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HB 3243 (2025) effective January 1, 2026, protects policyholders from balance billing by Ground Ambulance Service Organizations (GASOs) for covered ground ambulance services.
The law applies to all state-regulated health benefit plans. The law also applies to self-funded employer group health plans, Public Employees Benefit Board and Oregon Educators Benefit Board employer group health plans that elect to participate in the provisions of Or Laws 2025 Ch. 614.
Refer to 2025 OR Laws, Ch. 614 for more information.
A GASO may not bill an enrollee for covered ground ambulance services if the enrollee has paid the in-network cost-sharing amount specified in the enrollee’s health benefit plan. Enrollees cannot be balance billed and any amount they have overpaid must be refunded by the GASO within 45 business days.
Consumer Complaint Information
Consumers may submit complaints related to ground ambulance billing to the division.
File a complaint online or contact us:Consumer Hotline 888-877-4894 (toll-free)
Insurance Email DFR.InsuranceHelp@dcbs.oregon.gov
GASO Provider Complaint Information
GASO providers should submit any complaints regarding insurers and this law to HCProvider.Complaints@DCBS.oregon.gov.
Rate Reporting and HB 3243 Questionsdfr.datateam@dcbs.oregon.gov
GA website Question and Answer sessions
Dec 17, 2025
Dec 18, 2025
GASOs that have established local rates for ground ambulance services provided in their geographic area must submit the established local rates in an electronic format prescribed by DCBS and in accordance with instructions on the Division of Financial Regulation’s website. Established local rates for ground ambulance services include rates for services provided by both public and privately contracted ground ambulance service organizations.
GASOs’ established local rate report submissions are due on or before January 1, 2026, and thereafter, annually on or before October 1.
GASOs must also submit updated rates to DCBS within 5 days of a change.
GASO rate reports can be submitted through the following survey link: OR GASO Established Local Rate Reporting.
Up to five unique established local rates may be submitted with a single survey submission.
Reported ground ambulance rate data will be available online in the first quarter of 2026.
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Self-funded employer, State of Oregon PEBB and OEBB group health plans may elect to participate with Oregon’s ground ambulance balance billing law provisions in 2025 OR Laws, Ch. 614.
Instructions on how plans can participate (opt in) and a list of group plans that have elected to participate are available at the following link
Opt-in Information
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