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Oregon Health Insurance (OR)


Choose from the list below to learn more about specific health insurance providers in Oregon. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.

Health Insurance Providers in Oregon (OR)

Assurant Health (formerly Fortis)
Health Net
Kaiser Permanente
LifeWise Health Plan of Oregon
PacifiCare of Oregon
Regence BlueCross BlueShield of Oregon
Security Life

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Individual Health Insurance in Oregon (OR)

Individual health insurance companies are allowed to turn you down due to a health problem. If you have been rejected, the Oregon Medical Insurance Pool will provide you with insurance. Insurers are allowed to impose a waiting period of 90 days for coverage. Insurers are further allowed to study the last six months of your medical history before coverage for pre-existing conditions. Pregnancy can be considered a pre-existing condition, but genetic information cannot. If you have had no lapses of 63 days or more in your coverage, you can get credit toward any exclusion periods. The costs of individual policies are determined using modified community rating. Due to your illness, your insurance cannot be cancelled.

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Group Health Insurance in Oregon (OR)

Group health insurance regulations in Oregon provide that you cannot be denied or charged more for group coverage because of a medical condition, provided you qualify. A new employer may wait to offer group coverage and a new HMO may impose an affiliation period until coverage actually begins. There are several life changes relating to marriage, children, family problems, or job loss which could entitle you to special opportunities for group insurance. Newborns and adopted children are covered for their first 31 days, provided you have dependent coverage. Group health plans are allowed to look back at your medical records for the six months prior to coverage for pre-existing conditions. The maximum time that a condition can be excluded from initial coverage is six months for a fully insured group, although late enrollment may lengthen the time limit. If you have maintained continuous coverage, with no break longer than 63 days, you can count it toward the exclusion period.


Small Business Health Insurance in Oregon (OR)

Small businesses with two to 50 employees cannot be denied small group health insurance and they cannot have it cancelled due to health issues within the employee group. The insurance companies must offer a standardized plan. If you have two to 25 employees, your premium cost will be determined according to modified community rating. With employee groups of over 25, the premium can change due to the health status of the employees. A small business with two to 50 employees is allowed to join an approved statewide association or alliance which can offer group health insurance to its members. It is recommended that you contact your Oregon Division of Insurance for regulations governing associations with group health insurance availability.

Oregon Dept. of Consumer and Business Services
Division of Insurance

350 Winter St. NE, Room 440
Salem, OR 97310
(503) 947-7980
www.cbs.state.or.us/external/ins/index.html

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Self-Employed Health Insurance in Oregon (OR)

Self-employed individuals may not buy group coverage in Oregon.


Oregon Medical Programs (OR)

Medicaid, Breast and Cervical Cancer Program, Family Health Insurance Assistance Program, and Children’s Health Insurance Program are some of the assistance programs available to Oregon residents.

Health Insurance in Oregon Cities (OR)

Learn more about health insurance (including medical facility details) in Portland, OR.

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