The health insurance market comprises a series of distinct markets, each with its own regulatory features. Just under 28 percent of Oregonians get their health insurance in state-regulated markets. The Oregon Division of Financial Regulation has authority to approve or deny rates in the individual and small employer markets, which cover roughly 10 percent of all Oregonians. These individuals and small business buyers are considered the most vulnerable consumers because they lack the negotiating power of large groups. ​Others get coverage through a large employer that self-insures or through federal health programs, such as Medicare and Medicaid. Increased access to insurance – most significantly, the expansion of Medicaid – has decreased the number of uninsured people in Oregon. 

The total enrollment​ report provides a detailed breakdown of health insurance enrollment – both on and off the exchange. Please note that this data does not include enrollment in vision and dental plans.​

Oregon Health Insurance Enrollment
  As of December 31, 2015
Oregon population 4,028,977
Commercial/state-regulated insurance
Individual (buy coverage on their own) 219,578 5.4%
Small group (2-50 employees) 158,101 3.9%
Large group (51+ employees) 581,409 14.4%
Associations and trusts 139,107 3.5%
​Student Plans 18,090​ 0.4%​
Total covered under state regulation​​ 1,116,285 27.7%
Large group self-insured1 870,723 21.6%
Federal health care programs
Medicare 766,356 19.0%
Medicaid 1,062,578 26.4%
Tricare and other Fed ​63,554 1.6%​
Total covered under federal regulation 1,892,488 42.0%
Source: Impacts of the Affordable Care Act on Health Insurance Coverage In Oregon, September 2015.

1 Participation in self-administered self-insured plans is estimated.

Members with dual coverage may be counted twice in the figures above.

Note: The Oregon Division of Financial Regulation has authority to approve or deny rates in the individual and small employer markets, which cover roughly 10 percent of all Oregonians. These individuals and small business buyers are considered the most vulnerable consumers because they lack the negotiating power of large groups. For more information on rate review, click here​.​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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