Oregon Health Insurance

An apple a day keeps the doctor away, but when it doesn’t, the best backup is having solid health insurance. With all the changes to the health industry accompanying the Affordable Care Act, it’s beneficial to have a solid understanding of costs, coverage, and options. If you’re an Oregon resident, check out these resources so you can be informed and empowered about health insurance.

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Stats in Your State

When it comes to health, Oregon residents should have a sunny outlook. With affordable health care policies for both singles and families, it’s easier than ever to get coverage. However, even with a low rate for premiums, Oregon has a disproportionately high rate of uninsured people. Take a look at the graphs below to get a better understanding about the landscape of health insurance in Oregon.

Chip Medicaid

In 2010, more than 64,700 children were enrolled in the Children’s Health Insurance Program (CHIP), a program that provides affordable medical coverage for children from low-income families. Enrollment in Medicaid is significantly higher, with just over 289,000 kids in the program.

Individual Health Insurance Premiums

The cost of a single premium per employee under employer-based health insurance is a healthy $217 dollars lower than the rest of the country. Compared to neighboring states, Oregon's premiums are lower than California's but slightly higher than those in Washington.

Family Health Insurance Premiums

Family premiums in Oregon are lower than the $4,000-per-year national average. Oregonians can expect to pay less than $3,700 for health insurance family premiums on an annual basis.

SAHIE Health Insurance Uninsured

The number of uninsured Oregon residents has fluctuated considerably over the years. According to the most recent numbers, the Census Bureau estimates there are 639,710 people uninsured in Oregon; this high number comes as a surprise, given the affordability of healthcare in the state.

Rules in Your State

The changing landscape of health insurance in America makes it more important than ever to navigate the thick rules and regulations in your own state. Read Oregon health insurance rules to get a grasp on the information you need to know.

State Continuation

According to Oregon state law, individuals who work for companies or organizations with fewer than 20 employees can keep the same group health insurance coverage for up to nine months after loss of a job or a reduction in work hours.

Dependent Coverage

Because of federal health care reform, young adults may stay on their parents’ health insurance until age 26. This rule applies regardless of the parents’ marital status, the child’s living arrangements, or whether or not the child is listed as a dependent by either the mother or the father.

Discrimination Based On Gender

The Oregon Equality Act of 2007 prohibits discrimination based on sexual orientation, including gender identity. Medically necessary treatments that are covered for non-transgender people cannot be denied to transgender people.

Read more about health insurance rules in Oregon at the state’s Department of Consumer and Business Services.

Your Health Insurance & Alcohol: Oregon Rules

Insurance companies have differing opinions when it comes to alcohol-related benefits. To protect consumers, each state has rules and regulations regarding this issue. Read on to find out what is covered in your state.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Oregon law prohibits insurers to deny benefits for losses due to intoxication.
Insurance companies in Oregon must cover alcohol-related disorders. The same benefits for alcohol-related disorders as different types of medical conditions is provided.
Parity is required for deductibles, co-insurance, co-pays, service limits and financial limits. Small businesses are not exempt.

Representatives & Resources in Your State

We all know that understanding the finer points of a health insurance policy is absolutely essential, but sometimes we need help wading through the technical terminology and legal jargon. Oregonians should feel free to contact the following resources when their coverage becomes too overwhelming to tackle on their own.

Oregon Insurance Division
350 Winter St NE #440
Salem, OR 97301-3883
Phone: (503) 947-7980
Fax: (503) 378-4351
Toll-free: (888) 877-4894
Get Directions
File a complaint

Healthy Kids for a Healthy Oregon
PO Box 14650
Salem, OR 97309-5020
Contact
Your resource for low-cost health care insurance for kids without coverage.

Health Insurance Overview
Find commonly asked questions, compare plans, and read about specific laws in place regarding health insurance.

How the Health Care Law is Making a Difference in Oregon
Read about changes to health care in Oregon due to federal laws, including key features and deadlines for changes to take effect.