The health insurance market comprises a series of distinct markets, each with its own regulatory features. Less than 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 about 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. Note: This data does not include enrollment in vision and dental plans.

Oregon Health Insurance Enrollment
As of Dec. 31, 2016
Oregon population1 4,093,465
Commercial/state-regulated insurance
Individual (buy coverage on their own)

217,196

5.3%

Small group (2-50 employees)

362,254

4.0%

Large group (51+ employees)

598,100

14.6%

Associations and trusts

144,412

3.5%

Student plans

12,585

0.3%

Total covered under state regulation

1,134,547

27.7%

Large group self-insured2

959,289

23.4%

Federal health care programs
Medicare3

795,614

19.4%

Medicaid4

1,010,509

24.7%

Tricare and other federal programs

64,435

1.6%

Total covered under federal regulation

1,870,558

45.7%

1 U.S. Census Bureau (https://www.census.gov/quickfacts/fact/table/OR/PST045216)

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

3 CMS Medicare Enrollment Dashboard (https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/Dashboard/Medicare-Enrollment/Enrollment%20Dashboard.html)

4 Oregon Health Authority Monthly Caseload Variance Report.

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 about 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. More information on rate review​.