Oregon Health Exchange Rates
Health Insurance Rates from the Cover Oregon Health Exchange
Obamacare is confusing and if you choose the wrong plan you could be forfeiting thousands of dollars in government assistance. We can help you understand all of your options under the new law, and assist you with the application process.
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As a Licensed Agent certified with the Cover Oregon and the other health exchanges I can explain how the ACA works and let you know if Tax Credits and Reduced premiums are available, and what Health Insurance will cost for you from the health exchange and on the private market circumventing the exchange. Buying off-exchange means you won’t get cost assistance, however you will have better networks and more plan varieties to choose from.
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Oregon Health Exchange Rates
The Oregon Health Insurance Exchange released proposed rates for coverage starting 2014 in July. The Oregon Health Insurance Exchange, Cover Oregon, will be Oregon’s marketplace where individuals and small businesses can shop for health insurance plans and receive access to ACA tax credits and subsidies. How much will health plans cost for individuals, families, and small businesses through the Oregon Health Insurance Exchange?
The Oregon Insurance Division and Department of Consumer and Business Services released health plan rates for Oregon individuals, families, and small businesses in July 2013. The Oregon Health Insurance Exchange opened October 1, 2013, for coverage starting January 1, 2014. At the time of this writing only agents had access to electronic applications (Nov 2013)
According to the DCBS, thousands of Oregon residents are expected to purchase personal insurance policies using federal financial help (tax subsidies) through the Oregon Health Insurance Exchange. The Oregon Health Insurance Exchange intends to provide consumers with more choices, especially for individuals with pre-existing conditions, as federal law makes all policies guaranteed-issue.
Oregon Health Insurance Exchange – Insurance Carriers
Oregon presently has a healthily competitive health insurance market, which will be reflected by the Oregon Health Insurance Exchange’s rates and options. 16 insurers as well as 2 CO-OPS filed plans and proposed rates with the Oregon Insurance Division. All plans require approval by the Oregon Insurance Division. Carriers and rates were finalized by July 2013. Proposed carriers in the Portland area for individual plans include FamilyCare Health Plans, Freelancers Co-Op of Oregon, Health Net Health Plan of Oregon, John Alden Life Insurance Company, Kaiser Foundation Health Plan of the NW, LifeWise Health Plan of Oregon, Moda Health Plan, Oregon’s Health Co-Op, PacificSource Health Plans, Providence Health Plan, Regence BlueCross BlueShield of Oregon, Time Insurance Company, and Trillium Community Health Plan.
Oregon Health Insurance Exchange – Individual Plan Rates
The proposed Oregon Health Insurance Exchange rates for individual plans are divided by county, age, and carrier. For the Portland area, a bronze plan for a 40-year-old, non-tobacco-user averages $265/month (before individual tax subsidies). In 2012, the average individual policy in Oregon (across all ages, adults and children) was $207/month. Here’s a look at all proposed rates for individual coverage in the Portland area: