Annual health insurance report


The Department of Consumer and Business Services, through its Division of Financial Regulation, regulates commercial health insurers in Oregon. This Health Insurance in Oregon report provides an overview of how commercial health insurance is regulated in Oregon, how the market is changing, and how Oregon's major health insurers are performing financially. Specifically, you can find the following information:

Oregon's health insurance market review:

  • Oregon's uninsured rate dropped for the sixth consecutive year in 2016, placing Oregon among the top tier of states with the highest percentage of residents with health care coverage. More than 3.8 million Oregonians have health insurance, according to the U.S. Census Bureau.

  • The uninsured rate for Oregon is 6.2 percent, down from 7 percent in 2015.

  • Oregon's seven largest insurers lost $30.1 million in 2016, compared to a net loss of $171.6 million in 2015 and a net loss of $46.7 million in 2014. In 2016, profit margins ranged from a loss of 6.3 percent to a profit of 1.7 percent.

  • Oregon remains competitive in the individual market, with nine insurers offering plans throughout the state in 2017. All counties in Oregon will have at least two carriers participating both on and off the Oregon Health Insurance Marketplace, and at least two carriers participating exclusively off the marketplace in 2017. Oregon also will have 11 carriers in the small group market, three of which do not offer individual coverage, and several others that write large group plans.​