Quick answer
Legacy Insurance Group is a licensed independent insurance agency in Woodburn, Oregon. For 2027 coverage, people in Oregon sign up for individual and family health plans on Explore Health, the state's own marketplace, instead of HealthCare.gov. Open enrollment runs Nov 1, 2026 to Jan 15, 2027. Choose a plan by Dec 31, 2026 for coverage that starts Jan 1, 2027. Gilbert Lopez (NPN 16945680) helps people under 65 compare plans and sign up, in English or Spanish. That help costs you nothing extra.
What changed for 2027
Starting with 2027 coverage, Oregon no longer uses HealthCare.gov. Health plans for individuals and families are now sold through Explore Health, Oregon's own health insurance marketplace.
Many people call these Obamacare or ACA plans. It's the same kind of coverage; what changed is where you sign up.
Three dates for 2027 coverage
- Open enrollment starts. That's the yearly window to sign up for, or change, a health plan for 2027.
- Last day to choose a plan for coverage that starts Jan 1, 2027.
- Open enrollment closes. Coverage for plans chosen Jan 1–15 starts Feb 1, 2027.
Already have a plan through HealthCare.gov?
Your information moves to Explore Health, so most people won't need to start over. If you do nothing, you're usually re-enrolled in the same plan if it's still offered. If it isn't, you may be moved to a similar plan.
Got a letter that your plan is ending? For 2027, Providence Health Plan and PacificSource won't offer plans to people who buy their own health insurance in Oregon. Moda won't offer them in Marion or Polk counties. That's from the Oregon Health Authority (Oct. 15, 2026) and the Oregon Division of Financial Regulation. This is about plans you buy on your own. Providence says it will keep providing care through its clinics, doctors, nurses and hospitals. If your insurance comes through work, ask your employer about your 2027 coverage.
In Marion and Polk counties, 2027 plans come from BridgeSpan, Kaiser Permanente and Regence (Oregon Division of Financial Regulation county table, Oct. 2026). Before you pick a new plan, check that your doctors and prescriptions are covered. We can do that with you.
Read: what to do if your plan is ending →
Dates as of October 2026, for 2027 coverage. They may change.
Why work with us
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We can recommend a plan
Oregon's own Explore Health handout says:
“Only an insurance agent can give advice on which plan is best for you.”Oregon Health Authority, Explore Health handout
As licensed insurance agents, we look at all the plans in your county with you and tell you which one fits you best.
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Our help doesn't cost you extra
Your monthly price is the same with or without an agent. The insurance company pays us.
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More choices
Besides Explore Health plans, we also have plans outside the marketplace, and dental and vision plans with more coverage. Help paying the monthly bill only comes with Explore Health plans, so we'll compare both with you.
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One local agency for your family
We help with health, dental, vision, life insurance and retirement income. In English or Spanish, at our Woodburn office or by phone.
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We're here after you sign up
If your income changes, you move, or you have a question about your plan, call or text us at 971-444-6449.
Health insurance (under 65)
Individual and family health plans for people in Oregon who are under 65. That includes people who are self-employed, families without coverage through a job, people between jobs, and anyone buying their own plan.
Here's what we do with you:
- Check whether you may qualify for help paying your monthly bill. That help is a tax credit, and you can only get it on a plan through Explore Health. For 2027, it also depends on each person's immigration status. We'll tell you what applies to you.
- Compare the plans in your county side by side:
- Monthly cost: what you'd pay each month after any help.
- Deductible: what you pay for covered care before your plan starts to pay its share.
- Copay: a set fee for a visit or a prescription.
- Out-of-pocket maximum: the most you'd pay for covered care in a year.
- Check your doctors and prescriptions. Most Explore Health plans use a network: a set list of doctors and hospitals the plan works with. You may need your main doctor's OK (a referral) before you see a specialist. We'll help you check with the insurance company before you choose.
- Recommend the plan that fits you best. The final choice is yours.
Good to know: if your income ends up higher than you estimated, you may have to pay back some or all of the tax credit when you file your taxes. For tax questions, talk with your tax preparer or visit IRS.gov.
Questions about health insurance? Call 971-444-6449 or text "info".
Dental & vision insurance
Dental insurance helps with costs like checkups, cleanings and fillings. Vision insurance helps with eye exams and glasses or contacts. You can get coverage for yourself or your family, whether or not your health plan came through us. Dental and vision insurance isn't only for people under 65. We help people of any age in Oregon.
Before you choose, we'll show you the dental and vision policies we offer in Oregon: what each one covers, what it doesn't, and any waiting periods or yearly limits.
Dental and vision insurance doesn't replace health insurance.
Accident & critical illness insurance
Accident insurance and critical illness insurance are extra coverage you can add alongside your health plan.
Accident insurance pays only for covered accidents. Critical illness insurance pays only for the illnesses listed in the policy. Each pays a set amount and adds to your health insurance; it doesn't replace it.
The amount is written in your policy and doesn't depend on your medical bills. It can help with costs like your deductible or bills at home while you recover. Each policy lists what it covers, what it doesn't, and any waiting periods. We'll go over those with you before you apply.
Accident insurance is for injuries. If you want coverage that pays your family if you pass away, that's life insurance. See our life insurance options →
How it works
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Tell us about you
Call or text "info." On the call, we'll ask a few things: who needs coverage, your county, your doctors and prescriptions, and your best guess of your household income. Your income tells us what help you may get with the monthly bill. Before we help with your application, Oregon requires you to sign a short form saying you want our help. It's called a consent form, and it's good for one year.
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Compare and choose
We'll show you the plans available where you live, side by side, and explain what each one covers and what it costs. As licensed insurance agents, we can recommend the plan that best meets your needs. The choice is always yours.
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Sign up
We'll help you apply on Explore Health and pick your plan. Your coverage starts on your plan's start date, like Jan. 1. Just make sure the insurance company gets your first monthly payment on time. After that, call us with questions, changes during the year, or next year's renewal.
Your local agent
Gilbert Lopez started his career in health insurance. He spent years helping people with their health coverage at a call center before he built Legacy Insurance Group, and he's been helping families with their coverage for more than a decade. He completed Oregon's required training and certification to help people sign up through Explore Health for 2027 coverage.
“I was born and raised in Woodburn. As a licensed insurance agent, I can recommend the plan that best meets your needs, and I'll walk you through what each option covers and what it costs. I speak English and Spanish, and you can meet with me at my Woodburn office or over the phone.”
Gilbert Lopez · Founder · Health & Life Insurance Agent · NPN 16945680 (verify at NIPR)
Read Gilbert's story →
Hours (Pacific)
- Monday–Friday9:00 AM – 5:30 PM
- Saturday10:00 AM – 3:00 PM
- SundayClosed
Our office is in Woodburn, just up I-5 from Salem and Keizer. Can't make it in? We help people across Oregon by phone or video.
Request a call
Leave your name and number, and we'll call or text you back during business hours. It takes about 30 seconds.
Thanks, .
We got your request and will call or text you during business hours: Monday–Friday 9:00 AM–5:30 PM and Saturday 10:00 AM–3:00 PM (Pacific).
Want to talk sooner? Call 971-444-6449 or text "info" to 971-444-6449.
Common questions
Are you the state marketplace?
No. We're a licensed independent insurance agency in Woodburn. Explore Health is Oregon's marketplace, where 2027 health plans for individuals and families are sold. We help you compare those plans and sign up, and our help doesn't cost you extra.
Can I still use HealthCare.gov in Oregon?
Not for 2027 coverage. Starting Nov. 1, 2026, people in Oregon sign up on Explore Health, Oregon's own marketplace. If you had a plan through HealthCare.gov, your information moves over, so most people won't need to start over. These are the same kind of plans many people call Obamacare.
How much does your help cost?
Nothing extra. Your plan's monthly price is the same with or without an agent. Agents are paid by the insurance company, not by you.
Can you help me in Spanish?
Yes. Gilbert speaks English and Spanish, and we can do every step in Spanish: the call, comparing plans and signing up. This page is also in Spanish.
What should I have ready?
Have these ready when we talk:
- Names and birth dates for everyone in your household. People who aren't asking for coverage don't need to give a Social Security number or immigration information.
- Social Security numbers, only for the people asking for coverage who have one.
- Immigration document details, only for people asking for coverage who aren't U.S. citizens.
- Your best guess of your household income for 2027. Recent pay stubs or last year's tax return help. Self-employed? Use what you expect to earn after business expenses. Last year's Schedule C is a good place to start.
- Details on any health coverage a job offers anyone in your household.
- A list of your doctors and prescriptions, and any letters about your 2027 coverage.
We never ask for any of this on our website. We go over it with you by phone or in the office.
What if not everyone in my family has the same immigration status?
You can ask for coverage for someone in your family even if others aren't asking for it. Only the person asking for coverage gives immigration information. Explore Health says that information is used only to see if the person qualifies for coverage and help paying. Each person may have different options, and we'll tell you what applies to each one. We don't give immigration advice. If you have questions about your case, talk with an immigration lawyer or a trusted organization before you decide.
Can I help my mom or dad sign up?
Yes, and you're welcome on every call. Your parent needs to be on the call too, and they sign Oregon's consent form for their agent themselves. If you'll be handling things for them, Explore Health lets your parent name you as their authorized representative.
Already started your application on Explore Health?
You can still add us as your agent. In your application, choose the option for getting help from a certified enrollment partner, then search for “Gilberto Lopez” with Legacy Insurance Group. That's how Gilbert's name is listed there. Or call us and we'll help you finish.
Questions about your 2027 health plan?
Call or text. We'll help in English or Spanish.
Sources & disclosures
Reviewed October 2026 by Gilbert Lopez, licensed insurance agent, NPN 16945680.
Dates are for 2027 coverage and may change.
- Oregon Health Authority, “Explore Health launches tool to help people navigate health coverage options for 2027” (Oct. 15, 2026)
- Explore Health, open enrollment dates for 2027 coverage
- Explore Health, immigration status and health coverage
- Oregon Health Authority, Explore Health handout “Get Ready to Apply or Re-enroll through Explore Health” (HIM-5477, 2026–27)
- Oregon Division of Financial Regulation, 2027 individual plan coverage by county (PDF)
Questions or complaints about an insurance agent or company: Oregon Division of Financial Regulation, dfr.oregon.gov, 888-877-4894.