diff --git a/coderd/coderd.go b/coderd/coderd.go
index 8921087c73..f2410cfff2 100644
--- a/coderd/coderd.go
+++ b/coderd/coderd.go
@@ -93,6 +93,7 @@ import (
 	"github.com/coder/coder/v2/coderd/workspacestats"
 	"github.com/coder/coder/v2/coderd/wsbuilder"
 	"github.com/coder/coder/v2/coderd/x/chatd"
+	"github.com/coder/coder/v2/coderd/x/chatd/mcpclient"
 	"github.com/coder/coder/v2/coderd/x/gitsync"
 	"github.com/coder/coder/v2/codersdk"
 	"github.com/coder/coder/v2/codersdk/drpcsdk"
@@ -777,6 +778,14 @@ func New(options *Options) *API {
 			maxChatsPerAcquire = math.MinInt32
 		}
 
+		var oidcMCPSrc mcpclient.UserOIDCTokenSource
+		if options.OIDCConfig != nil {
+			oidcMCPSrc = newOIDCMCPTokenSource(
+				options.Database,
+				options.OIDCConfig,
+				options.Logger.Named("mcp-user-oidc"),
+			)
+		}
 		api.chatDaemon = chatd.New(chatd.Config{
 			Logger:                         options.Logger.Named("chatd"),
 			Database:                       options.Database,
@@ -794,6 +803,7 @@ func New(options *Options) *API {
 			WebpushDispatcher:              options.WebPushDispatcher,
 			UsageTracker:                   options.WorkspaceUsageTracker,
 			PrometheusRegistry:             options.PrometheusRegistry,
+			OIDCTokenSource:                oidcMCPSrc,
 		}).Start()
 		gitSyncLogger := options.Logger.Named("gitsync")
 		refresher := gitsync.NewRefresher(
diff --git a/coderd/database/dump.sql b/coderd/database/dump.sql
index 01ed07de6b..99109c9486 100644
--- a/coderd/database/dump.sql
+++ b/coderd/database/dump.sql
@@ -1758,7 +1758,7 @@ CREATE TABLE mcp_server_configs (
     updated_at timestamp with time zone DEFAULT now() NOT NULL,
     model_intent boolean DEFAULT false NOT NULL,
     allow_in_plan_mode boolean DEFAULT false NOT NULL,
-    CONSTRAINT mcp_server_configs_auth_type_check CHECK ((auth_type = ANY (ARRAY['none'::text, 'oauth2'::text, 'api_key'::text, 'custom_headers'::text]))),
+    CONSTRAINT mcp_server_configs_auth_type_check CHECK ((auth_type = ANY (ARRAY['none'::text, 'oauth2'::text, 'api_key'::text, 'custom_headers'::text, 'user_oidc'::text]))),
     CONSTRAINT mcp_server_configs_availability_check CHECK ((availability = ANY (ARRAY['force_on'::text, 'default_on'::text, 'default_off'::text]))),
     CONSTRAINT mcp_server_configs_transport_check CHECK ((transport = ANY (ARRAY['streamable_http'::text, 'sse'::text])))
 );
diff --git a/coderd/database/migrations/000484_mcp_user_oidc_auth.down.sql b/coderd/database/migrations/000484_mcp_user_oidc_auth.down.sql
new file mode 100644
index 0000000000..245e0060c4
--- /dev/null
+++ b/coderd/database/migrations/000484_mcp_user_oidc_auth.down.sql
@@ -0,0 +1,10 @@
+-- Rolling this migration back deletes any rows using the user_oidc auth
+-- type because they would otherwise violate the restored CHECK constraint.
+DELETE FROM mcp_server_configs WHERE auth_type = 'user_oidc';
+
+ALTER TABLE mcp_server_configs
+    DROP CONSTRAINT mcp_server_configs_auth_type_check;
+
+ALTER TABLE mcp_server_configs
+    ADD CONSTRAINT mcp_server_configs_auth_type_check
+    CHECK (auth_type IN ('none', 'oauth2', 'api_key', 'custom_headers'));
diff --git a/coderd/database/migrations/000484_mcp_user_oidc_auth.up.sql b/coderd/database/migrations/000484_mcp_user_oidc_auth.up.sql
new file mode 100644
index 0000000000..cb27a30cef
--- /dev/null
+++ b/coderd/database/migrations/000484_mcp_user_oidc_auth.up.sql
@@ -0,0 +1,6 @@
+ALTER TABLE mcp_server_configs
+    DROP CONSTRAINT mcp_server_configs_auth_type_check;
+
+ALTER TABLE mcp_server_configs
+    ADD CONSTRAINT mcp_server_configs_auth_type_check
+    CHECK (auth_type IN ('none', 'oauth2', 'api_key', 'custom_headers', 'user_oidc'));
diff --git a/coderd/mcp.go b/coderd/mcp.go
index 1059530629..b3b7d5619f 100644
--- a/coderd/mcp.go
+++ b/coderd/mcp.go
@@ -5,6 +5,7 @@ import (
 	"context"
 	"database/sql"
 	"encoding/json"
+	"errors"
 	"fmt"
 	"io"
 	"net/http"
@@ -21,14 +22,124 @@ import (
 	"cdr.dev/slog/v3"
 	"github.com/coder/coder/v2/coderd/database"
 	"github.com/coder/coder/v2/coderd/database/dbauthz"
+	"github.com/coder/coder/v2/coderd/database/dbtime"
 	"github.com/coder/coder/v2/coderd/httpapi"
 	"github.com/coder/coder/v2/coderd/httpmw"
+	"github.com/coder/coder/v2/coderd/promoauth"
 	"github.com/coder/coder/v2/coderd/rbac"
 	"github.com/coder/coder/v2/coderd/rbac/policy"
 	"github.com/coder/coder/v2/coderd/x/chatd/mcpclient"
 	"github.com/coder/coder/v2/codersdk"
 )
 
+// oidcMCPTokenSource implements mcpclient.UserOIDCTokenSource using
+// the same refresh strategy as provisionerdserver.ObtainOIDCAccessToken.
+// The logic is duplicated to avoid importing provisionerdserver from
+// coderd; keep the two in sync.
+type oidcMCPTokenSource struct {
+	db     database.Store
+	config promoauth.OAuth2Config
+	logger slog.Logger
+}
+
+// newOIDCMCPTokenSource returns nil when no OIDC provider is
+// configured. mcpclient treats a nil source the same as "no token
+// available" and omits the Authorization header.
+func newOIDCMCPTokenSource(db database.Store, config promoauth.OAuth2Config, logger slog.Logger) mcpclient.UserOIDCTokenSource {
+	if config == nil {
+		return nil
+	}
+	return &oidcMCPTokenSource{
+		db:     db,
+		config: config,
+		logger: logger,
+	}
+}
+
+// OIDCAccessToken implements mcpclient.UserOIDCTokenSource. It
+// refreshes expired tokens and persists the refreshed token back
+// to user_links. The chatd dbauthz subject does not grant
+// ResourceSystem.Read or ResourceUser.UpdatePersonal, so DB calls
+// elevate to AsSystemRestricted; the per-user authorization is
+// already enforced by the API handler that owns ctx.
+func (s *oidcMCPTokenSource) OIDCAccessToken(ctx context.Context, userID uuid.UUID) (string, error) {
+	//nolint:gocritic // user_links read needs system access; the
+	// caller's user identity is supplied via the userID parameter.
+	dbCtx := dbauthz.AsSystemRestricted(ctx)
+	link, err := s.db.GetUserLinkByUserIDLoginType(dbCtx, database.GetUserLinkByUserIDLoginTypeParams{
+		UserID:    userID,
+		LoginType: database.LoginTypeOIDC,
+	})
+	if errors.Is(err, sql.ErrNoRows) {
+		return "", nil
+	}
+	if err != nil {
+		return "", xerrors.Errorf("get oidc user link: %w", err)
+	}
+
+	if shouldRefresh, expiresAt := shouldRefreshOIDCToken(link); shouldRefresh {
+		token, err := s.config.TokenSource(ctx, &oauth2.Token{
+			AccessToken:  link.OAuthAccessToken,
+			RefreshToken: link.OAuthRefreshToken,
+			// Use the expiresAt returned by shouldRefreshOIDCToken.
+			// It will force a refresh with an expired time.
+			Expiry: expiresAt,
+		}).Token()
+		if err != nil {
+			// Don't fail the request; the upstream MCP server will see no
+			// Authorization header and can return a 401 if it requires one.
+			s.logger.Warn(ctx, "failed to refresh OIDC token for MCP request",
+				slog.F("user_id", userID),
+				slog.Error(err),
+			)
+			return "", nil
+		}
+		link.OAuthAccessToken = token.AccessToken
+		link.OAuthRefreshToken = token.RefreshToken
+		link.OAuthExpiry = token.Expiry
+
+		// Persist on a detached context so a canceled chat request
+		// cannot drop a refresh-token rotation, see PR #24332.
+		persistCtx, persistCancel := context.WithTimeout(
+			context.WithoutCancel(dbCtx), 10*time.Second,
+		)
+		link, err = s.db.UpdateUserLink(persistCtx, database.UpdateUserLinkParams{
+			UserID:                 userID,
+			LoginType:              database.LoginTypeOIDC,
+			OAuthAccessToken:       link.OAuthAccessToken,
+			OAuthAccessTokenKeyID:  sql.NullString{}, // set by dbcrypt if required
+			OAuthRefreshToken:      link.OAuthRefreshToken,
+			OAuthRefreshTokenKeyID: sql.NullString{}, // set by dbcrypt if required
+			OAuthExpiry:            link.OAuthExpiry,
+			Claims:                 link.Claims,
+		})
+		persistCancel()
+		if err != nil {
+			return "", xerrors.Errorf("update user link after oidc refresh: %w", err)
+		}
+		s.logger.Info(ctx, "refreshed expired OIDC token for MCP request",
+			slog.F("user_id", userID),
+		)
+	}
+
+	return link.OAuthAccessToken, nil
+}
+
+// shouldRefreshOIDCToken mirrors provisionerdserver.shouldRefreshOIDCToken.
+// See that function for the rationale behind the 10-minute pre-expiry
+// buffer.
+func shouldRefreshOIDCToken(link database.UserLink) (bool, time.Time) {
+	if link.OAuthRefreshToken == "" {
+		return false, link.OAuthExpiry
+	}
+	if link.OAuthExpiry.IsZero() {
+		// A zero expiry means the token never expires.
+		return false, link.OAuthExpiry
+	}
+	expiresAt := link.OAuthExpiry.Add(-time.Minute * 10)
+	return expiresAt.Before(dbtime.Now()), expiresAt
+}
+
 // @Summary List MCP server configs
 // @x-apidocgen {"skip": true}
 // EXPERIMENTAL: this endpoint is experimental and is subject to change.
@@ -629,6 +740,21 @@ func (api *API) updateMCPServerConfig(rw http.ResponseWriter, r *http.Request) {
 				apiKeyHeader = ""
 				apiKeyValue = ""
 				apiKeyValueKeyID = sql.NullString{}
+			case "user_oidc":
+				// user_oidc forwards the calling user's OIDC access token
+				// from user_links at request time, so no admin-configured
+				// secrets are stored on the row.
+				oauth2ClientID = ""
+				oauth2ClientSecret = ""
+				oauth2ClientSecretKeyID = sql.NullString{}
+				oauth2AuthURL = ""
+				oauth2TokenURL = ""
+				oauth2Scopes = ""
+				apiKeyHeader = ""
+				apiKeyValue = ""
+				apiKeyValueKeyID = sql.NullString{}
+				customHeaders = "{}"
+				customHeadersKeyID = sql.NullString{}
 			}
 		}
 
diff --git a/coderd/mcp_internal_test.go b/coderd/mcp_internal_test.go
new file mode 100644
index 0000000000..8c757a638d
--- /dev/null
+++ b/coderd/mcp_internal_test.go
@@ -0,0 +1,216 @@
+package coderd
+
+import (
+	"context"
+	"sync/atomic"
+	"testing"
+	"time"
+
+	"github.com/google/uuid"
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/stretchr/testify/require"
+	"golang.org/x/oauth2"
+
+	"github.com/coder/coder/v2/coderd/database"
+	"github.com/coder/coder/v2/coderd/database/dbauthz"
+	"github.com/coder/coder/v2/coderd/database/dbgen"
+	"github.com/coder/coder/v2/coderd/database/dbtestutil"
+	"github.com/coder/coder/v2/coderd/database/dbtime"
+	"github.com/coder/coder/v2/coderd/rbac"
+	"github.com/coder/coder/v2/testutil"
+)
+
+// dbauthzTestStore wraps the test database with the same dbauthz layer
+// used in production (coderd.go:370). Without it the test would not
+// catch RBAC failures from the chatd subject; with it the test fails
+// loudly if the elevation in OIDCAccessToken is removed or weakened.
+func dbauthzTestStore(t *testing.T, db database.Store) database.Store {
+	t.Helper()
+
+	authz := rbac.NewStrictCachingAuthorizer(prometheus.NewRegistry())
+	acs := &atomic.Pointer[dbauthz.AccessControlStore]{}
+	var tacs dbauthz.AccessControlStore = fakeAccessControlStore{}
+	acs.Store(&tacs)
+	return dbauthz.New(db, authz, testutil.Logger(t), acs)
+}
+
+// fakeAccessControlStore mirrors coderdtest.FakeAccessControlStore but is
+// inlined here to avoid an import cycle (coderdtest imports coderd).
+type fakeAccessControlStore struct{}
+
+func (fakeAccessControlStore) GetTemplateAccessControl(t database.Template) dbauthz.TemplateAccessControl {
+	return dbauthz.TemplateAccessControl{
+		RequireActiveVersion: t.RequireActiveVersion,
+	}
+}
+
+func (fakeAccessControlStore) SetTemplateAccessControl(context.Context, database.Store, uuid.UUID, dbauthz.TemplateAccessControl) error {
+	panic("not implemented")
+}
+
+func TestShouldRefreshOIDCToken(t *testing.T) {
+	t.Parallel()
+
+	now := dbtime.Now()
+	cases := []struct {
+		name string
+		link database.UserLink
+		want bool
+	}{
+		{
+			name: "NoRefreshToken",
+			link: database.UserLink{OAuthExpiry: now.Add(-time.Hour)},
+		},
+		{
+			name: "ZeroExpiry",
+			link: database.UserLink{OAuthRefreshToken: "refresh"},
+		},
+		{
+			name: "Expired",
+			link: database.UserLink{
+				OAuthRefreshToken: "refresh",
+				OAuthExpiry:       now.Add(-time.Hour),
+			},
+			want: true,
+		},
+		{
+			name: "Fresh",
+			link: database.UserLink{
+				OAuthRefreshToken: "refresh",
+				OAuthExpiry:       now.Add(time.Hour),
+			},
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			t.Parallel()
+			got, _ := shouldRefreshOIDCToken(tc.link)
+			require.Equal(t, tc.want, got)
+		})
+	}
+}
+
+func TestOIDCMCPTokenSource(t *testing.T) {
+	t.Parallel()
+
+	logger := testutil.Logger(t)
+
+	t.Run("NilConfig", func(t *testing.T) {
+		t.Parallel()
+		db, _ := dbtestutil.NewDB(t)
+		require.Nil(t, newOIDCMCPTokenSource(db, nil, logger))
+	})
+
+	t.Run("NoLink", func(t *testing.T) {
+		// When the user has no OIDC link the source returns ("", nil)
+		// rather than an error so the caller can fall through to
+		// "no Authorization header".
+		t.Parallel()
+		db, _ := dbtestutil.NewDB(t)
+		store := dbauthzTestStore(t, db)
+		user := dbgen.User(t, db, database.User{LoginType: database.LoginTypeOIDC})
+
+		src := newOIDCMCPTokenSource(store, &testutil.OAuth2Config{}, logger)
+		ctx := dbauthz.AsChatd(context.Background())
+
+		tok, err := src.OIDCAccessToken(ctx, user.ID)
+		require.NoError(t, err)
+		require.Empty(t, tok)
+	})
+
+	t.Run("FreshToken", func(t *testing.T) {
+		// A non-expired token is returned as-is; no refresh is performed.
+		t.Parallel()
+		db, _ := dbtestutil.NewDB(t)
+		store := dbauthzTestStore(t, db)
+		user := dbgen.User(t, db, database.User{})
+		dbgen.UserLink(t, db, database.UserLink{
+			UserID:            user.ID,
+			LoginType:         database.LoginTypeOIDC,
+			OAuthAccessToken:  "fresh",
+			OAuthRefreshToken: "refresh",
+			OAuthExpiry:       dbtime.Now().Add(time.Hour),
+		})
+
+		src := newOIDCMCPTokenSource(store, &testutil.OAuth2Config{
+			Token: &oauth2.Token{AccessToken: "should-not-be-used"},
+		}, logger)
+		ctx := dbauthz.AsChatd(context.Background())
+
+		tok, err := src.OIDCAccessToken(ctx, user.ID)
+		require.NoError(t, err)
+		require.Equal(t, "fresh", tok)
+	})
+
+	t.Run("RefreshExpired", func(t *testing.T) {
+		// An expired token triggers a refresh; the new token is
+		// persisted via UpdateUserLink. This exercises the dbauthz
+		// elevation: chatd lacks ResourceSystem.Read and
+		// ResourceUser.UpdatePersonal so a non-elevated context
+		// would fail both reads and writes.
+		t.Parallel()
+		db, _ := dbtestutil.NewDB(t)
+		store := dbauthzTestStore(t, db)
+		user := dbgen.User(t, db, database.User{})
+		dbgen.UserLink(t, db, database.UserLink{
+			UserID:            user.ID,
+			LoginType:         database.LoginTypeOIDC,
+			OAuthAccessToken:  "stale",
+			OAuthRefreshToken: "refresh",
+			OAuthExpiry:       dbtime.Now().Add(-time.Hour),
+		})
+
+		src := newOIDCMCPTokenSource(store, &testutil.OAuth2Config{
+			Token: &oauth2.Token{
+				AccessToken:  "fresh",
+				RefreshToken: "new-refresh",
+				Expiry:       dbtime.Now().Add(time.Hour),
+			},
+		}, logger)
+		ctx := dbauthz.AsChatd(context.Background())
+
+		tok, err := src.OIDCAccessToken(ctx, user.ID)
+		require.NoError(t, err)
+		require.Equal(t, "fresh", tok)
+
+		// Verify the refresh was persisted via UpdateUserLink.
+		got, err := db.GetUserLinkByUserIDLoginType(
+			dbauthz.AsSystemRestricted(context.Background()),
+			database.GetUserLinkByUserIDLoginTypeParams{
+				UserID:    user.ID,
+				LoginType: database.LoginTypeOIDC,
+			},
+		)
+		require.NoError(t, err)
+		require.Equal(t, "fresh", got.OAuthAccessToken)
+		require.Equal(t, "new-refresh", got.OAuthRefreshToken)
+	})
+
+	t.Run("RefreshFailureReturnsEmpty", func(t *testing.T) {
+		// A refresh attempt that fails (e.g. invalid client config)
+		// must not surface an error to the caller; per the
+		// UserOIDCTokenSource contract this is treated as "no
+		// Authorization header".
+		t.Parallel()
+		db, _ := dbtestutil.NewDB(t)
+		store := dbauthzTestStore(t, db)
+		user := dbgen.User(t, db, database.User{})
+		dbgen.UserLink(t, db, database.UserLink{
+			UserID:            user.ID,
+			LoginType:         database.LoginTypeOIDC,
+			OAuthAccessToken:  "stale",
+			OAuthRefreshToken: "refresh",
+			OAuthExpiry:       dbtime.Now().Add(-time.Hour),
+		})
+
+		// An empty oauth2.Config triggers a refresh failure
+		// because it has no token endpoint to call.
+		src := newOIDCMCPTokenSource(store, &oauth2.Config{}, logger)
+		ctx := dbauthz.AsChatd(context.Background())
+
+		tok, err := src.OIDCAccessToken(ctx, user.ID)
+		require.NoError(t, err)
+		require.Empty(t, tok)
+	})
+}
diff --git a/coderd/mcp_test.go b/coderd/mcp_test.go
index 1ac13b42d4..60ebf7c551 100644
--- a/coderd/mcp_test.go
+++ b/coderd/mcp_test.go
@@ -316,18 +316,109 @@ func TestMCPServerConfigsAuthConnected(t *testing.T) {
 	// Also create a non-oauth server. It should report
 	// auth_connected=true because no auth is needed.
 	_ = createMCPServerConfig(t, adminClient, "no-auth-server", true)
+
+	// And a user_oidc server. user_oidc never requires a per-user
+	// connect step, so auth_connected is always true regardless of
+	// whether the calling user has an OIDC link.
+	_, err = adminClient.CreateMCPServerConfig(ctx, codersdk.CreateMCPServerConfigRequest{
+		DisplayName:   "User OIDC Server",
+		Slug:          "user-oidc-server",
+		Transport:     "streamable_http",
+		URL:           "https://mcp.example.com/oidc",
+		AuthType:      "user_oidc",
+		Availability:  "default_on",
+		Enabled:       true,
+		ToolAllowList: []string{},
+		ToolDenyList:  []string{},
+	})
+	require.NoError(t, err)
+
 	memberConfigs, err = memberClient.MCPServerConfigs(ctx)
 	require.NoError(t, err)
-	require.Len(t, memberConfigs, 2)
+	require.Len(t, memberConfigs, 3)
 	for _, cfg := range memberConfigs {
-		if cfg.AuthType == "none" {
-			require.True(t, cfg.AuthConnected)
-		} else {
-			require.False(t, cfg.AuthConnected)
+		switch cfg.AuthType {
+		case "none", "user_oidc":
+			require.True(t, cfg.AuthConnected, "%s should report auth_connected", cfg.AuthType)
+		default:
+			require.False(t, cfg.AuthConnected, "%s should not report auth_connected", cfg.AuthType)
 		}
 	}
 }
 
+func TestMCPServerConfigsUserOIDCClearsFields(t *testing.T) {
+	t.Parallel()
+
+	ctx := testutil.Context(t, testutil.WaitLong)
+	client := newMCPClient(t)
+	_ = coderdtest.CreateFirstUser(t, client)
+
+	// Start with an oauth2 config that has a client secret, then
+	// switch the auth_type to user_oidc and verify all auth-specific
+	// fields are cleared.
+	created, err := client.CreateMCPServerConfig(ctx, codersdk.CreateMCPServerConfigRequest{
+		DisplayName:        "Switch Server",
+		Slug:               "switch-server",
+		Transport:          "streamable_http",
+		URL:                "https://mcp.example.com/v1",
+		AuthType:           "oauth2",
+		OAuth2ClientID:     "cid",
+		OAuth2ClientSecret: "secret-value",
+		OAuth2AuthURL:      "https://auth.example.com/authorize",
+		OAuth2TokenURL:     "https://auth.example.com/token",
+		OAuth2Scopes:       "read write",
+		Availability:       "default_off",
+		Enabled:            true,
+		ToolAllowList:      []string{},
+		ToolDenyList:       []string{},
+	})
+	require.NoError(t, err)
+	require.True(t, created.HasOAuth2Secret)
+	require.Equal(t, "cid", created.OAuth2ClientID)
+
+	newAuth := "user_oidc"
+	updated, err := client.UpdateMCPServerConfig(ctx, created.ID, codersdk.UpdateMCPServerConfigRequest{
+		AuthType: &newAuth,
+	})
+	require.NoError(t, err)
+	require.Equal(t, "user_oidc", updated.AuthType)
+	require.False(t, updated.HasOAuth2Secret, "oauth2 secret should be cleared")
+	require.False(t, updated.HasAPIKey, "api key should remain unset")
+	require.False(t, updated.HasCustomHeaders, "custom headers should remain unset")
+	require.Empty(t, updated.OAuth2ClientID)
+	require.Empty(t, updated.OAuth2AuthURL)
+	require.Empty(t, updated.OAuth2TokenURL)
+	require.Empty(t, updated.OAuth2Scopes)
+	require.Empty(t, updated.APIKeyHeader)
+}
+
+func TestMCPServerConfigsUserOIDCDirect(t *testing.T) {
+	t.Parallel()
+
+	// Create with user_oidc and confirm validation accepts the value
+	// while no auth-specific fields are persisted on the row.
+	ctx := testutil.Context(t, testutil.WaitLong)
+	client := newMCPClient(t)
+	_ = coderdtest.CreateFirstUser(t, client)
+
+	created, err := client.CreateMCPServerConfig(ctx, codersdk.CreateMCPServerConfigRequest{
+		DisplayName:   "User OIDC Direct",
+		Slug:          "user-oidc-direct",
+		Transport:     "streamable_http",
+		URL:           "https://mcp.example.com/oidc-direct",
+		AuthType:      "user_oidc",
+		Availability:  "default_off",
+		Enabled:       true,
+		ToolAllowList: []string{},
+		ToolDenyList:  []string{},
+	})
+	require.NoError(t, err)
+	require.Equal(t, "user_oidc", created.AuthType)
+	require.False(t, created.HasOAuth2Secret)
+	require.False(t, created.HasAPIKey)
+	require.False(t, created.HasCustomHeaders)
+}
+
 func TestMCPServerConfigsAvailability(t *testing.T) {
 	t.Parallel()
 
diff --git a/coderd/x/chatd/chatd.go b/coderd/x/chatd/chatd.go
index 9648ebd4dd..7aa4426417 100644
--- a/coderd/x/chatd/chatd.go
+++ b/coderd/x/chatd/chatd.go
@@ -162,6 +162,7 @@ type Server struct {
 	pubsub                         pubsub.Pubsub
 	webpushDispatcher              webpush.Dispatcher
 	providerAPIKeys                chatprovider.ProviderAPIKeys
+	oidcTokenSource                mcpclient.UserOIDCTokenSource
 	debugSvc                       *chatdebug.Service
 	debugSvcFactory                func() *chatdebug.Service
 	debugSvcReady                  atomic.Bool
@@ -3840,6 +3841,12 @@ type Config struct {
 	UsageTracker                   *workspacestats.UsageTracker
 	Clock                          quartz.Clock
 	PrometheusRegistry             prometheus.Registerer
+
+	// OIDCTokenSource resolves the calling user's OIDC access
+	// token for MCP servers configured with auth_type=user_oidc.
+	// May be nil if the deployment has no OIDC provider; servers
+	// using user_oidc will then send no Authorization header.
+	OIDCTokenSource mcpclient.UserOIDCTokenSource
 }
 
 // New creates a new chat processor. The processor polls for pending
@@ -3898,6 +3905,7 @@ func New(cfg Config) *Server {
 		pubsub:                         cfg.Pubsub,
 		webpushDispatcher:              cfg.WebpushDispatcher,
 		providerAPIKeys:                cfg.ProviderAPIKeys,
+		oidcTokenSource:                cfg.OIDCTokenSource,
 		debugSvcFactory: func() *chatdebug.Service {
 			debugSvc := chatdebug.NewService(
 				cfg.Database,
@@ -6472,7 +6480,7 @@ func (p *Server) runChat(
 			// Refresh expired OAuth2 tokens before connecting.
 			mcpTokens = p.refreshExpiredMCPTokens(ctx, logger, mcpConnectConfigs, mcpTokens)
 			mcpTools, mcpCleanup = mcpclient.ConnectAll(
-				ctx, logger, mcpConnectConfigs, mcpTokens,
+				ctx, logger, mcpConnectConfigs, mcpTokens, chat.OwnerID, p.oidcTokenSource,
 			)
 			return nil
 		})
diff --git a/coderd/x/chatd/mcpclient/mcpclient.go b/coderd/x/chatd/mcpclient/mcpclient.go
index ce6755cfa6..8b57e9b3a0 100644
--- a/coderd/x/chatd/mcpclient/mcpclient.go
+++ b/coderd/x/chatd/mcpclient/mcpclient.go
@@ -49,6 +49,18 @@ const connectTimeout = 10 * time.Second
 // take before being canceled.
 const toolCallTimeout = 60 * time.Second
 
+// UserOIDCTokenSource resolves the OIDC access token for the calling
+// user. Implementations attempt to refresh tokens that are expired
+// or close to expiring and MUST return ("", nil) when the user has
+// no OIDC link or a refresh attempt failed for any reason. A
+// non-nil error is reserved for unexpected infrastructure failures
+// (e.g. database errors) and skips header construction entirely.
+// The empty-token-on-refresh-failure behavior matches
+// provisionerdserver.ObtainOIDCAccessToken.
+type UserOIDCTokenSource interface {
+	OIDCAccessToken(ctx context.Context, userID uuid.UUID) (string, error)
+}
+
 // ConnectAll connects to all configured MCP servers, discovers
 // their tools, and returns them as fantasy.AgentTool values.
 // Tools are sorted by their prefixed name so callers
@@ -60,6 +72,8 @@ func ConnectAll(
 	logger slog.Logger,
 	configs []database.MCPServerConfig,
 	tokens []database.MCPServerUserToken,
+	userID uuid.UUID,
+	oidcSrc UserOIDCTokenSource,
 ) ([]fantasy.AgentTool, func()) {
 	// Index tokens by server config ID so auth header
 	// construction is O(1) per server.
@@ -95,7 +109,7 @@ func ConnectAll(
 
 		eg.Go(func() error {
 			serverTools, mcpClient, connectErr := connectOne(
-				ctx, logger, cfg, tokensByConfigID,
+				ctx, logger, cfg, tokensByConfigID, userID, oidcSrc,
 			)
 			if connectErr != nil {
 				logger.Warn(ctx,
@@ -159,8 +173,10 @@ func connectOne(
 	logger slog.Logger,
 	cfg database.MCPServerConfig,
 	tokensByConfigID map[uuid.UUID]database.MCPServerUserToken,
+	userID uuid.UUID,
+	oidcSrc UserOIDCTokenSource,
 ) ([]fantasy.AgentTool, *client.Client, error) {
-	headers := buildAuthHeaders(ctx, logger, cfg, tokensByConfigID)
+	headers := buildAuthHeaders(ctx, logger, cfg, tokensByConfigID, userID, oidcSrc)
 
 	tr, err := createTransport(cfg, headers)
 	if err != nil {
@@ -285,6 +301,8 @@ func buildAuthHeaders(
 	logger slog.Logger,
 	cfg database.MCPServerConfig,
 	tokensByConfigID map[uuid.UUID]database.MCPServerUserToken,
+	userID uuid.UUID,
+	oidcSrc UserOIDCTokenSource,
 ) map[string]string {
 	// Using map[string]string rather than http.Header because
 	// the mcp-go transport options accept map[string]string.
@@ -347,6 +365,40 @@ func buildAuthHeaders(
 				}
 			}
 		}
+	case "user_oidc":
+		// Forward the calling user's OIDC access token from
+		// user_links as Authorization: Bearer <token>. The token
+		// source is responsible for refreshing tokens that are
+		// expired or close to expiring before returning them.
+		if oidcSrc == nil || userID == uuid.Nil {
+			logger.Warn(ctx,
+				"user_oidc auth requested but no token source available",
+				slog.F("server_slug", cfg.Slug),
+			)
+			break
+		}
+		token, err := oidcSrc.OIDCAccessToken(ctx, userID)
+		if err != nil {
+			logger.Warn(ctx,
+				"failed to obtain user OIDC token for MCP server",
+				slog.F("server_slug", cfg.Slug),
+				slog.Error(err),
+			)
+			break
+		}
+		if token == "" {
+			// The user has no OIDC link, or a non-fatal refresh
+			// failure occurred. Fall through with no header and let
+			// the upstream MCP server decide how to respond
+			// (typically 401). Logged at debug so password and
+			// GitHub users don't generate noise for every chat turn.
+			logger.Debug(ctx,
+				"no user OIDC token available for MCP server",
+				slog.F("server_slug", cfg.Slug),
+			)
+			break
+		}
+		headers["Authorization"] = "Bearer " + token
 	case "none", "":
 		// No auth headers needed.
 	}
diff --git a/coderd/x/chatd/mcpclient/mcpclient_test.go b/coderd/x/chatd/mcpclient/mcpclient_test.go
index 7676296360..dca1c5a1b8 100644
--- a/coderd/x/chatd/mcpclient/mcpclient_test.go
+++ b/coderd/x/chatd/mcpclient/mcpclient_test.go
@@ -96,7 +96,7 @@ func TestConnectAll_DiscoverTools(t *testing.T) {
 	ts := newTestMCPServer(t, echoTool(), greetTool())
 
 	cfg := makeConfig("myserver", ts.URL)
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 
 	// Two tools should be discovered, namespaced with the server slug.
@@ -121,7 +121,7 @@ func TestConnectAll_CallTool(t *testing.T) {
 	ts := newTestMCPServer(t, echoTool())
 
 	cfg := makeConfig("srv", ts.URL)
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -147,7 +147,7 @@ func TestConnectAll_ToolAllowList(t *testing.T) {
 	// Only allow the "echo" tool.
 	cfg.ToolAllowList = []string{"echo"}
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 
 	require.Len(t, tools, 1)
@@ -165,7 +165,7 @@ func TestConnectAll_ToolDenyList(t *testing.T) {
 	// Deny the "greet" tool, so only "echo" remains.
 	cfg.ToolDenyList = []string{"greet"}
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 
 	require.Len(t, tools, 1)
@@ -179,7 +179,7 @@ func TestConnectAll_ConnectionFailure(t *testing.T) {
 
 	cfg := makeConfig("bad", "http://127.0.0.1:0/does-not-exist")
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 
 	assert.Empty(t, tools, "no tools should be returned for an unreachable server")
@@ -200,6 +200,7 @@ func TestConnectAll_MultipleServers(t *testing.T) {
 		ctx, logger,
 		[]database.MCPServerConfig{cfg1, cfg2},
 		nil,
+		uuid.Nil, nil,
 	)
 	t.Cleanup(cleanup)
 
@@ -225,6 +226,7 @@ func TestConnectAll_NoToolsAfterFiltering(t *testing.T) {
 		logger,
 		[]database.MCPServerConfig{cfg},
 		nil,
+		uuid.Nil, nil,
 	)
 
 	require.Empty(t, tools)
@@ -252,6 +254,7 @@ func TestConnectAll_DeterministicOrder(t *testing.T) {
 				makeConfig("srv2", ts2.URL),
 			},
 			nil,
+			uuid.Nil, nil,
 		)
 		t.Cleanup(cleanup)
 
@@ -280,6 +283,7 @@ func TestConnectAll_DeterministicOrder(t *testing.T) {
 				makeConfig("aaa", other.URL),
 			},
 			nil,
+			uuid.Nil, nil,
 		)
 		t.Cleanup(cleanup)
 
@@ -312,6 +316,7 @@ func TestConnectAll_DeterministicOrder(t *testing.T) {
 			logger,
 			[]database.MCPServerConfig{cfg1, cfg2},
 			nil,
+			uuid.Nil, nil,
 		)
 		t.Cleanup(cleanup)
 
@@ -375,6 +380,7 @@ func TestConnectAll_AuthHeaders(t *testing.T) {
 		ctx, logger,
 		[]database.MCPServerConfig{cfg},
 		[]database.MCPServerUserToken{token},
+		uuid.Nil, nil,
 	)
 	t.Cleanup(cleanup)
 
@@ -429,7 +435,7 @@ func TestConnectAll_DisabledServer(t *testing.T) {
 	cfg := makeConfig("disabled", ts.URL)
 	cfg.Enabled = false
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	assert.Empty(t, tools)
 }
@@ -444,7 +450,7 @@ func TestConnectAll_CallToolInvalidInput(t *testing.T) {
 	ts := newTestMCPServer(t, echoTool())
 
 	cfg := makeConfig("srv", ts.URL)
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -469,7 +475,7 @@ func TestConnectAll_ToolInfoParameters(t *testing.T) {
 	ts := newTestMCPServer(t, echoTool())
 
 	cfg := makeConfig("srv", ts.URL)
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -511,7 +517,7 @@ func TestConnectAll_NilRequiredBecomesEmptySlice(t *testing.T) {
 
 	ts := newTestMCPServer(t, noRequiredTool)
 	cfg := makeConfig("srv", ts.URL)
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -563,6 +569,7 @@ func TestConnectAll_APIKeyAuth(t *testing.T) {
 
 	tools, cleanup := mcpclient.ConnectAll(
 		ctx, logger, []database.MCPServerConfig{cfg}, nil,
+		uuid.Nil, nil,
 	)
 	t.Cleanup(cleanup)
 
@@ -619,6 +626,7 @@ func TestConnectAll_CustomHeadersAuth(t *testing.T) {
 
 	tools, cleanup := mcpclient.ConnectAll(
 		ctx, logger, []database.MCPServerConfig{cfg}, nil,
+		uuid.Nil, nil,
 	)
 	t.Cleanup(cleanup)
 
@@ -655,6 +663,7 @@ func TestConnectAll_CustomHeadersInvalidJSON(t *testing.T) {
 
 	tools, cleanup := mcpclient.ConnectAll(
 		ctx, logger, []database.MCPServerConfig{cfg}, nil,
+		uuid.Nil, nil,
 	)
 	t.Cleanup(cleanup)
 
@@ -664,6 +673,158 @@ func TestConnectAll_CustomHeadersInvalidJSON(t *testing.T) {
 	assert.Equal(t, "badjson__echo", tools[0].Info().Name)
 }
 
+// staticOIDCSource implements mcpclient.UserOIDCTokenSource for tests
+// without requiring a real OIDC provider or database round-trip.
+type staticOIDCSource struct {
+	token string
+	err   error
+}
+
+func (s staticOIDCSource) OIDCAccessToken(_ context.Context, _ uuid.UUID) (string, error) {
+	return s.token, s.err
+}
+
+// TestConnectAll_UserOIDCAuth verifies that the user_oidc auth type
+// forwards the calling user's OIDC access token from the
+// UserOIDCTokenSource as Authorization: Bearer <token>.
+func TestConnectAll_UserOIDCAuth(t *testing.T) {
+	t.Parallel()
+	ctx := context.Background()
+	logger := slogtest.Make(t, &slogtest.Options{IgnoreErrors: true})
+
+	var (
+		mu          sync.Mutex
+		seenHeaders []string
+	)
+
+	srv := mcpserver.NewMCPServer("oidc-server", "1.0.0")
+	srv.AddTools(mcpserver.ServerTool{
+		Tool: mcp.NewTool("whoami",
+			mcp.WithDescription("Returns the auth header"),
+		),
+		Handler: func(_ context.Context, req mcp.CallToolRequest) (*mcp.CallToolResult, error) {
+			auth := req.Header.Get("Authorization")
+			mu.Lock()
+			seenHeaders = append(seenHeaders, auth)
+			mu.Unlock()
+			return mcp.NewToolResultText("auth:" + auth), nil
+		},
+	})
+
+	httpSrv := mcpserver.NewStreamableHTTPServer(srv)
+	ts := httptest.NewServer(httpSrv)
+	t.Cleanup(ts.Close)
+
+	cfg := makeConfig("oidc-srv", ts.URL)
+	cfg.AuthType = "user_oidc"
+	userID := uuid.New()
+	src := staticOIDCSource{token: "fake-oidc-token"}
+
+	tools, cleanup := mcpclient.ConnectAll(
+		ctx, logger, []database.MCPServerConfig{cfg}, nil,
+		userID, src,
+	)
+	t.Cleanup(cleanup)
+
+	require.Len(t, tools, 1)
+
+	resp, err := tools[0].Run(ctx, fantasy.ToolCall{
+		ID:    "call-oidc",
+		Name:  "oidc-srv__whoami",
+		Input: "{}",
+	})
+	require.NoError(t, err)
+	assert.False(t, resp.IsError)
+	assert.Equal(t, "auth:Bearer fake-oidc-token", resp.Content)
+
+	mu.Lock()
+	defer mu.Unlock()
+	require.NotEmpty(t, seenHeaders)
+	assert.Equal(t, "Bearer fake-oidc-token", seenHeaders[len(seenHeaders)-1])
+}
+
+// TestConnectAll_UserOIDCAuth_NoLink verifies that when the token
+// source returns ("", nil) (the user has no OIDC link), the request
+// is still made but with no Authorization header. The MCP server is
+// then free to respond with 401 or proceed unauthenticated.
+func TestConnectAll_UserOIDCAuth_NoLink(t *testing.T) {
+	t.Parallel()
+	ctx := context.Background()
+	logger := slogtest.Make(t, &slogtest.Options{IgnoreErrors: true})
+
+	var (
+		mu          sync.Mutex
+		seenHeaders []string
+	)
+
+	srv := mcpserver.NewMCPServer("oidc-server-nolink", "1.0.0")
+	srv.AddTools(mcpserver.ServerTool{
+		Tool: mcp.NewTool("whoami",
+			mcp.WithDescription("Returns the auth header"),
+		),
+		Handler: func(_ context.Context, req mcp.CallToolRequest) (*mcp.CallToolResult, error) {
+			auth := req.Header.Get("Authorization")
+			mu.Lock()
+			seenHeaders = append(seenHeaders, auth)
+			mu.Unlock()
+			return mcp.NewToolResultText("auth:" + auth), nil
+		},
+	})
+
+	httpSrv := mcpserver.NewStreamableHTTPServer(srv)
+	ts := httptest.NewServer(httpSrv)
+	t.Cleanup(ts.Close)
+
+	cfg := makeConfig("oidc-nolink", ts.URL)
+	cfg.AuthType = "user_oidc"
+	src := staticOIDCSource{token: "", err: nil}
+
+	tools, cleanup := mcpclient.ConnectAll(
+		ctx, logger, []database.MCPServerConfig{cfg}, nil,
+		uuid.New(), src,
+	)
+	t.Cleanup(cleanup)
+
+	require.Len(t, tools, 1)
+
+	resp, err := tools[0].Run(ctx, fantasy.ToolCall{
+		ID:    "call-oidc-nolink",
+		Name:  "oidc-nolink__whoami",
+		Input: "{}",
+	})
+	require.NoError(t, err)
+	assert.False(t, resp.IsError)
+	assert.Equal(t, "auth:", resp.Content)
+
+	mu.Lock()
+	defer mu.Unlock()
+	require.NotEmpty(t, seenHeaders)
+	assert.Empty(t, seenHeaders[len(seenHeaders)-1])
+}
+
+// TestConnectAll_UserOIDCAuth_NilSource verifies that a nil token
+// source (e.g. deployment with no OIDC provider) yields no
+// Authorization header rather than panicking.
+func TestConnectAll_UserOIDCAuth_NilSource(t *testing.T) {
+	t.Parallel()
+	ctx := context.Background()
+	logger := slogtest.Make(t, &slogtest.Options{IgnoreErrors: true})
+
+	ts := newTestMCPServer(t, echoTool())
+
+	cfg := makeConfig("oidc-nilsrc", ts.URL)
+	cfg.AuthType = "user_oidc"
+
+	tools, cleanup := mcpclient.ConnectAll(
+		ctx, logger, []database.MCPServerConfig{cfg}, nil,
+		uuid.New(), nil,
+	)
+	t.Cleanup(cleanup)
+
+	require.Len(t, tools, 1)
+	assert.Equal(t, "oidc-nilsrc__echo", tools[0].Info().Name)
+}
+
 // TestConnectAll_ParallelConnections verifies that connecting to
 // multiple MCP servers simultaneously returns all discovered
 // tools with the correct server slug prefixes.
@@ -684,6 +845,7 @@ func TestConnectAll_ParallelConnections(t *testing.T) {
 		ctx, logger,
 		[]database.MCPServerConfig{cfg1, cfg2, cfg3},
 		nil,
+		uuid.Nil, nil,
 	)
 	t.Cleanup(cleanup)
 
@@ -744,7 +906,7 @@ func TestConnectAll_ExpiredToken(t *testing.T) {
 		Expiry:            sql.NullTime{Time: time.Now().Add(-1 * time.Hour), Valid: true},
 	}
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, []database.MCPServerUserToken{token})
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, []database.MCPServerUserToken{token}, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 
 	// The server accepts any auth, so the tool is still discovered
@@ -777,7 +939,7 @@ func TestConnectAll_EmptyAccessToken(t *testing.T) {
 		TokenType:         "Bearer",
 	}
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, []database.MCPServerUserToken{token})
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, []database.MCPServerUserToken{token}, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 
 	// Tool is still discovered (server doesn't require auth), but
@@ -807,7 +969,7 @@ func TestConnectAll_MCPToolIdentifier(t *testing.T) {
 		Enabled:     true,
 	}
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 
 	require.Len(t, tools, 1)
@@ -853,6 +1015,7 @@ func TestConnectAll_MCPToolIdentifier_MultipleServers(t *testing.T) {
 		ctx, logger,
 		[]database.MCPServerConfig{cfg1, cfg2},
 		nil,
+		uuid.Nil, nil,
 	)
 	t.Cleanup(cleanup)
 
@@ -909,7 +1072,7 @@ func TestConnectAll_EmbeddedResourceText(t *testing.T) {
 	t.Cleanup(ts.Close)
 
 	cfg := makeConfig("embed-txt", ts.URL)
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -976,7 +1139,7 @@ func TestConnectAll_EmbeddedResourceBlob(t *testing.T) {
 			t.Cleanup(ts.Close)
 
 			cfg := makeConfig("embed-blob", ts.URL)
-			tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+			tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 			t.Cleanup(cleanup)
 			require.Len(t, tools, 1)
 
@@ -1056,7 +1219,7 @@ func TestConnectAll_ResourceLink(t *testing.T) {
 			t.Cleanup(ts.Close)
 
 			cfg := makeConfig("res-link", ts.URL)
-			tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+			tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 			t.Cleanup(cleanup)
 			require.Len(t, tools, 1)
 
@@ -1100,7 +1263,7 @@ func TestConnectAll_CallToolError(t *testing.T) {
 	t.Cleanup(ts.Close)
 
 	cfg := makeConfig("err-srv", ts.URL)
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -1124,7 +1287,7 @@ func TestModelIntent_Info_WrapsSchema(t *testing.T) {
 	cfg := makeConfig("intent-srv", ts.URL)
 	cfg.ModelIntent = true
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -1160,7 +1323,7 @@ func TestModelIntent_Info_NoWrapWhenDisabled(t *testing.T) {
 	cfg := makeConfig("no-intent", ts.URL)
 	cfg.ModelIntent = false
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -1183,7 +1346,7 @@ func TestModelIntent_Run_UnwrapsProperties(t *testing.T) {
 	cfg := makeConfig("unwrap-srv", ts.URL)
 	cfg.ModelIntent = true
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -1208,7 +1371,7 @@ func TestModelIntent_Run_UnwrapsFlat(t *testing.T) {
 	cfg := makeConfig("flat-srv", ts.URL)
 	cfg.ModelIntent = true
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -1233,7 +1396,7 @@ func TestModelIntent_Run_PassthroughWhenDisabled(t *testing.T) {
 	cfg := makeConfig("pass-srv", ts.URL)
 	cfg.ModelIntent = false
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
@@ -1258,7 +1421,7 @@ func TestModelIntent_Run_FallbackOnBadJSON(t *testing.T) {
 	cfg := makeConfig("bad-srv", ts.URL)
 	cfg.ModelIntent = true
 
-	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil)
+	tools, cleanup := mcpclient.ConnectAll(ctx, logger, []database.MCPServerConfig{cfg}, nil, uuid.Nil, nil)
 	t.Cleanup(cleanup)
 	require.Len(t, tools, 1)
 
diff --git a/codersdk/mcp.go b/codersdk/mcp.go
index 41b3adb220..132c804479 100644
--- a/codersdk/mcp.go
+++ b/codersdk/mcp.go
@@ -42,7 +42,7 @@ type MCPServerConfig struct {
 	Transport string `json:"transport"` // "streamable_http" or "sse"
 	URL       string `json:"url"`
 
-	AuthType string `json:"auth_type"` // "none", "oauth2", "api_key", "custom_headers"
+	AuthType string `json:"auth_type"` // "none", "oauth2", "api_key", "custom_headers", "user_oidc"
 
 	// OAuth2 fields (only populated for admins).
 	OAuth2ClientID  string `json:"oauth2_client_id,omitempty"`
@@ -84,7 +84,7 @@ type CreateMCPServerConfigRequest struct {
 	Transport string `json:"transport" validate:"required,oneof=streamable_http sse"`
 	URL       string `json:"url" validate:"required,url"`
 
-	AuthType           string            `json:"auth_type" validate:"required,oneof=none oauth2 api_key custom_headers"`
+	AuthType           string            `json:"auth_type" validate:"required,oneof=none oauth2 api_key custom_headers user_oidc"`
 	OAuth2ClientID     string            `json:"oauth2_client_id,omitempty"`
 	OAuth2ClientSecret string            `json:"oauth2_client_secret,omitempty"`
 	OAuth2AuthURL      string            `json:"oauth2_auth_url,omitempty" validate:"omitempty,url"`
@@ -113,7 +113,7 @@ type UpdateMCPServerConfigRequest struct {
 	Transport *string `json:"transport,omitempty" validate:"omitempty,oneof=streamable_http sse"`
 	URL       *string `json:"url,omitempty" validate:"omitempty,url"`
 
-	AuthType           *string            `json:"auth_type,omitempty" validate:"omitempty,oneof=none oauth2 api_key custom_headers"`
+	AuthType           *string            `json:"auth_type,omitempty" validate:"omitempty,oneof=none oauth2 api_key custom_headers user_oidc"`
 	OAuth2ClientID     *string            `json:"oauth2_client_id,omitempty"`
 	OAuth2ClientSecret *string            `json:"oauth2_client_secret,omitempty"`
 	OAuth2AuthURL      *string            `json:"oauth2_auth_url,omitempty" validate:"omitempty,url"`
diff --git a/docs/ai-coder/agents/platform-controls/mcp-servers.md b/docs/ai-coder/agents/platform-controls/mcp-servers.md
index 0a00e38f85..7deefcb6a9 100644
--- a/docs/ai-coder/agents/platform-controls/mcp-servers.md
+++ b/docs/ai-coder/agents/platform-controls/mcp-servers.md
@@ -48,7 +48,7 @@ This is an admin-only feature accessible at **Agents** > **Settings** >
 
 ## Authentication
 
-Each MCP server uses one of four authentication modes. When you change the
+Each MCP server uses one of five authentication modes. When you change the
 auth type, fields from the previous type are automatically cleared.
 
 Secrets are never returned in API responses — boolean flags indicate whether
@@ -104,6 +104,21 @@ A static key sent as a header on every request.
 Arbitrary key-value header pairs sent on every request. At least one header
 is required when this mode is selected.
 
+### User OIDC Identity
+
+Forwards the calling user's OIDC access token (stored in
+`user_links.oauth_access_token`) to the MCP server as an
+`Authorization: Bearer <token>` header. The token is refreshed
+transparently before each request if it has expired or is close to
+expiring.
+
+No admin-configurable fields. No per-user connect step.
+
+**Limitation**: this auth mode only works for users who authenticated to
+Coder via OIDC. Users who logged in with password or GitHub will see
+requests sent without an authorization header, and the upstream MCP
+server is expected to respond with 401.
+
 ## Tool governance
 
 Control which tools from a server are available in chat:
diff --git a/site/src/api/typesGenerated.ts b/site/src/api/typesGenerated.ts
index 58de772320..7c276f78f9 100644
--- a/site/src/api/typesGenerated.ts
+++ b/site/src/api/typesGenerated.ts
@@ -4579,7 +4579,7 @@ export interface MCPServerConfig {
 	readonly icon_url: string;
 	readonly transport: string; // "streamable_http" or "sse"
 	readonly url: string;
-	readonly auth_type: string; // "none", "oauth2", "api_key", "custom_headers"
+	readonly auth_type: string; // "none", "oauth2", "api_key", "custom_headers", "user_oidc"
 	/**
 	 * OAuth2 fields (only populated for admins).
 	 */
diff --git a/site/src/pages/AgentsPage/components/MCPServerAdminPanel.stories.tsx b/site/src/pages/AgentsPage/components/MCPServerAdminPanel.stories.tsx
index 7611cb4221..58a605bb2b 100644
--- a/site/src/pages/AgentsPage/components/MCPServerAdminPanel.stories.tsx
+++ b/site/src/pages/AgentsPage/components/MCPServerAdminPanel.stories.tsx
@@ -698,3 +698,55 @@ export const CustomHeadersAuthType: Story = {
 		);
 	},
 };
+
+export const CreateServerUserOIDC: Story = {
+	args: {
+		serversData: [],
+	},
+	play: async ({ canvasElement, args }) => {
+		const body = within(canvasElement.ownerDocument.body);
+
+		await userEvent.click(
+			await body.findByRole("button", { name: /Add your first server/i }),
+		);
+
+		await userEvent.type(
+			await body.findByLabelText(/Display Name/i),
+			"Internal API",
+		);
+		await userEvent.type(
+			body.getByLabelText(/Server URL/i),
+			"https://mcp.internal.example.com/v1",
+		);
+
+		await userEvent.click(
+			await body.findByRole("button", { name: /Authentication/i }),
+		);
+		await userEvent.click(body.getByLabelText(/Authentication/i));
+		await userEvent.click(
+			await body.findByRole("option", { name: /User OIDC Identity/i }),
+		);
+
+		// No additional auth fields for user_oidc; the helper text is shown.
+		expect(
+			body.getByText(/forwarded to this MCP server in the/i),
+		).toBeInTheDocument();
+
+		await userEvent.click(body.getByRole("button", { name: /Create server/i }));
+
+		await waitFor(() => {
+			expect(args.onCreateServer).toHaveBeenCalledTimes(1);
+		});
+		expect(args.onCreateServer).toHaveBeenCalledWith(
+			expect.objectContaining({
+				auth_type: "user_oidc",
+			}),
+		);
+		// Should not include any oauth2/api_key/custom_headers fields.
+		const call = (args.onCreateServer as ReturnType<typeof fn>).mock
+			.calls[0][0];
+		expect(call).not.toHaveProperty("oauth2_client_id");
+		expect(call).not.toHaveProperty("api_key_value");
+		expect(call).not.toHaveProperty("custom_headers");
+	},
+};
diff --git a/site/src/pages/AgentsPage/components/MCPServerAdminPanel.tsx b/site/src/pages/AgentsPage/components/MCPServerAdminPanel.tsx
index 2fb7e64f9f..a45ea6aa93 100644
--- a/site/src/pages/AgentsPage/components/MCPServerAdminPanel.tsx
+++ b/site/src/pages/AgentsPage/components/MCPServerAdminPanel.tsx
@@ -69,6 +69,7 @@ const AUTH_TYPE_OPTIONS = [
 	{ value: "oauth2", label: "OAuth2" },
 	{ value: "api_key", label: "API Key" },
 	{ value: "custom_headers", label: "Custom Headers" },
+	{ value: "user_oidc", label: "User OIDC Identity" },
 ] as const;
 
 const AVAILABILITY_OPTIONS = [
@@ -900,6 +901,22 @@ const ServerForm: FC<ServerFormProps> = ({
 										</Button>
 									</div>
 								)}
+
+								{form.values.authType === "user_oidc" && (
+									<div className="space-y-2 rounded-lg border border-solid border-border/70 bg-surface-secondary/30 p-4 text-xs text-content-secondary">
+										<p className="m-0">
+											The calling user's OIDC access token is forwarded to this
+											MCP server in the <code>Authorization</code> header.
+											Tokens are refreshed transparently before each request.
+										</p>
+										<p className="m-0">
+											Users who did not log in via OIDC (for example, password
+											or GitHub login) will see requests sent without an
+											authorization header. Configure no other fields for this
+											auth type.
+										</p>
+									</div>
+								)}
 							</CollapsibleContent>
 						</div>
 					</Collapsible>