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Health insurance regulation overview

Through its Division of Financial Regulation, the Department of Consumer and Business Services is the state's primary regulator of all types of insurance companies, including health insurance companies. In 2015, the division regulated health insurers covering approximately 1 million Oregonians in the individual, small group, large group, and associations and trusts markets. An estimated 710,000 Oregonians were covered by self-insured employers, which are regulated by the federal government under the 1974 Employee Retirement Income Security Act (ERISA).

The division has four major regulatory responsibilities. Click below to learn about the laws and the division's work for each of those areas.

Each commercial health insurance submarket has its own regulations. Click below to learn about the four submarkets.

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