Oregon insurance laws
What Oregon has enacted on insurance, what each law requires, and what the bills still moving would do. Oregon is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
5 new Oregon laws take effect in 2027
- Bills in scope
- 74bills in scope
- Past committee
- 34past committee
- Most recent action
- 13 April 2026most recent action
Insurance laws enacted in Oregon
20 insurance laws enacted in the Oregon Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Hospitals licensed under ORS 441.025 must screen uninsured patients, those enrolled in state medical assistance, or those owing over $1,500 for presumptive eligibility for financial assistance before billing, without requiring documentation. Hospitals must adopt written appeal processes and suspend collection activities during pending appeals. Parent providers must be employed as direct support professionals or personal support workers to provide attendant care to their minor children with very high medical or behavioral needs.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: The Oregon Health Authority and coordinated care organizations must ensure medical assistance recipients have access to doula services including a minimum of 12 visits or 24 hours of services regardless of birth outcome. Health benefit plans must provide doula coverage up to $3,760 per 12-month period. Lactation counselor services must be made available without referral or prior authorization.
Health coverage and plan regulation
What it requires: Each carrier offering individual or group health benefit plans in Oregon that provides behavioral health benefits must conduct an annual analysis ensuring nonquantitative treatment limitations on behavioral health benefits are comparable to and applied no more stringently than those on medical and surgical benefits. Carriers must report detailed findings to the Department of Consumer and Business Services by March 1 annually.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: The Department of Consumer and Business Services must establish a program to assist eligible entities in paying property and liability insurance premiums for affordable housing, shelter facilities, Project Turnkey sites, and navigation centers. Eligible entities must purchase and maintain required insurance coverage. The department must adopt rules and submit annual reports by December 15.
Property, catastrophe and climate risk
What it does: Increases expenditure limits for the Public Employees' Benefit Board by $1,109,179 and the Oregon Educators Benefit Board by $291,077 for the biennium beginning July 1, 2025, to cover perimenopause, menopause and postmenopause health insurance benefits effective January 1, 2026.
Health coverage and plan regulation
What it requires: Insurers must exempt health care providers from prior authorization requirements for covered services if the insurer approved 80 percent of the provider's prior authorization requests during the previous 12 months. Insurers may revoke exemptions only under specified conditions and must notify providers in writing. Insurers may not deny payment for exempted services unless the provider knowingly misrepresented the service or failed professional standards.
Health coverage and plan regulation
What it requires: The Oregon Health Authority must establish a community-based perinatal services access program issuing grants to eligible entities for activities increasing access to doulas, lactation counselors, and lactation educators during the perinatal period. The authority must review and revise reimbursement rates biennially and report on doula status to legislative committees.
Health coverage and plan regulation, Licensing, solvency and market conduct
- HB 2563Relating to explanations required in connection with premium increases upon renewals of certain insurance policies; and prescribing an effective date.Enacted 7 July 2025
What it requires: Insurers renewing homeowner or motor vehicle liability insurance policies must provide written explanations for premium increases of 10 percent or more at least 20 days before renewal becomes effective, identifying primary factors. For increases under 10 percent, insurers must provide explanations only upon written request. Renewal notices must include prominent statements informing insureds they may request explanations.
Licensing, solvency and market conduct
- HB 3226Relating to organizations that provide services related to obtaining prescription drugs; and prescribing an effective date.Enacted 24 June 2025
What it requires: A person acting as a pharmacy services administrative organization or as an organization that advises or represents pharmacies in matters related to procuring or supplying prescription drugs must obtain a third party administrator license from the Director of the Department of Consumer and Business Services before transacting business in Oregon.
Health coverage and plan regulation, Licensing, solvency and market conduct
What it requires: Member states must license and regulate social workers at clinical, master's, or bachelor's levels and participate in the Social Work Licensure Compact. Regulated social workers holding multistate licenses must abide by laws and regulations of the member state where the client is located. Home states must issue multistate licenses to eligible applicants and report adverse actions to the Commission's data system.
Health coverage and plan regulation
What it requires: Insurers must file premium rate schedules and tables with the Director of the Department of Consumer and Business Services for life and health insurance. The Director must conduct actuarial review and approve rates only if actuarially sound, reasonable, not excessive or inadequate, and based on reasonable administrative expenses. Rate filings for individual and small employer health benefit plans must be available for public inspection immediately upon submission.
Licensing, solvency and market conduct
What it requires: Insurers subject to registration must file annual enterprise risk reports identifying material risks in their insurance holding company system. Persons with ultimate control of such insurers must file group capital calculations and, if meeting scope criteria, conduct liquidity stress tests. Domestic insurers must notify the Director before entering certain affiliate transactions and comply with transaction standards including fair terms, reasonable charges, and adequate capital maintenance.
Licensing, solvency and market conduct
What it requires: Insurers offering, issuing or renewing disability income insurance policies in Oregon must not unduly delay claims processing, require more than two appeals to exhaust appeals, mandate arbitration except as specified, or require claimants to exhaust benefits under ORS chapter 657B first. Insurers must provide written claim procedure summaries, notify claimants of adverse determinations within 45 days with specified details, permit authorized representatives, ensure claim independence, and establish fair appeal procedures with 180-day appeal windows.
Health coverage and plan regulation
What it requires: The Department of Consumer and Business Services and the Department of the State Fire Marshal, in consultation with the State Forestry Department and insurance industry representatives, shall evaluate and develop recommendations for community-based wildfire risk mitigation actions and strategies. They must jointly submit a report to the Legislative Assembly's interim committees related to wildfire no later than February 2, 2026.
Property, catastrophe and climate risk
What it requires: Self-insured employers must establish proof of qualification with the Director by demonstrating adequate staff to process claims and financial ability to pay compensation. They must provide security of at least $100,000 or their normal expected annual claim liabilities, whichever is greater, and maintain excess insurance coverage.
Workers' compensation, surety and specialty lines
- SB 803Relating to the state-sponsored life insurance program for Oregon National Guard members.Took effect 1 January 2026
What it does: Authorizes the Adjutant General to make a group life insurance program available to Oregon National Guard members, allow them to purchase products from it, and permit program representatives to provide briefings during duty training periods.
Life insurance and annuities
What it requires: Persons offering travel insurance must disclose coverage features clearly in writing before purchase, provide pricing information, and deliver fulfillment material describing each feature individually. Travel insurance administrators must hold appropriate licenses. Persons may not offer travel insurance that could never result in payment, market blanket travel insurance as free, or sell travel insurance on negative option basis.
Licensing, solvency and market conduct
- HB 2800Relating to professional employer organizations under workers' compensation law; and prescribing an effective date.Enacted 6 June 2025
What it requires: A professional employer organization must obtain a license from the Director of the Department of Consumer and Business Services before providing services in Oregon. A PEO must provide workers' compensation coverage for coemployed workers and all direct hire employees unless the client has alternate coverage on file. A PEO must notify its insurer or the director when providing coverage and must provide written notice before terminating coverage responsibility.
Workers' compensation, surety and specialty lines
What it requires: The Oregon Insurance Guaranty Association must pay covered claims arising from insolvent member insurers up to $300,000 for claims from insolvencies before January 1, 2025, and up to $600,000 for claims from insolvencies on or after January 1, 2025, except workers' compensation claims paid in full and cybersecurity claims capped at $600,000 per incident. Member insurers must be assessed proportionally to fund association obligations.
Workers' compensation, surety and specialty lines
- HB 2010Relating to funding to improve access to health care; and prescribing an effective date.Enacted 21 April 2025
What it does: Extends health insurance premium assessments on insurers and managed care organizations, and hospital assessments through December 31, 2032, with repeal dates moved to January 2, 2038. Removes Oregon Reinsurance Program credit provision and makes conforming amendments to tax and fee statutes.
Health coverage and plan regulation
Insurance in Oregon, by topic
Health coverage and plan regulation
36 bills, 10 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
13 bills, 8 enacted. Enacted in 47 states.
Property, catastrophe and climate risk
11 bills, 2 enacted. Enacted in 31 states.
Workers' compensation, surety and specialty lines
8 bills, 3 enacted. Enacted in 45 states.
Auto insurance
4 bills. Enacted in 29 states.
AI and data in underwriting and claims
4 bills. Enacted in 12 states.
Life insurance and annuities
1 bill, 1 enacted. Enacted in 24 states.
Insurance bills in Oregon
The bills not yet law, furthest along first, with what each would do.
20Enacted
14Past committee
40Introduced or inactive
74 bills in scope
Past committee
14
What it would do: Establishes audit requirements and protections for behavioral health providers regarding claim audits by insurers, coordinated care organizations, and the Oregon Health Authority, including limitations on audit timelines, recoupment procedures, and audit dispute resolution. Amends mental health parity reporting requirements for insurers.
What it would do: Removes insurance from the definition of real estate, goods or services in Oregon's unlawful trade practices law, and eliminates the exemption for licensed insurance producers from telephone solicitation rules.
What it would do: Requires health benefit plans offered to large and small employers and individuals to reimburse infertility diagnosis and treatment costs, including a minimum of three oocyte retrievals with unlimited embryo transfers, consistent with professional medical guidelines, effective January 1, 2027.
What it would do: Requires insurers to submit wildfire risk models to the Director of Consumer and Business Services and incorporate community-level and property-specific mitigation actions into underwriting and rating. Mandates insurers notify applicants and policyholders of risk classifications, available mitigation actions, and appeal rights, effective July 1, 2027.
What it would do: Establishes audit requirements for insurers and coordinated care organizations conducting audits of behavioral health treatment claims, including limits on audit timeframes, prohibitions on recoupment for clerical errors, requirements for clear documentation of audit standards, and mandates for provider education on billing and audit preparation.
What it would do: Establishes a Health Insurance Mandate Review Advisory Committee to review proposed health insurance coverage mandates during legislative interim periods and produce reports analyzing medical need, coverage extent, equity impacts, and financial effects including actuarial analysis.
What it would do: Requires hospital emergency departments to conduct HIV and syphilis tests on blood samples from individuals receiving medical care, subject to consent and notification requirements. Requires health insurance policies to reimburse these testing costs.
What it would do: Amends Medicare supplement insurance regulations to prohibit preexisting condition exclusions and discriminatory terms for eligible applicants, and establishes annual 90-day open enrollment periods beginning January 1 each year, effective for policies issued or renewed on or after January 1, 2026.
What it would do: Prohibits actions under the unlawful trade practices statute for practices related to settling medical malpractice claims. Exempts attorney activities on behalf of insurers or insureds regarding claims under ORS 746.230 and insurance producer activities regulated by the Department of Consumer and Business Services.
What it would do: Requires health insurers to reimburse independent primary care providers at the same rate as hospital-based providers for identical services, with the reimbursement rate set at the highest rate reported by hospital systems in each geographic market, effective January 1, 2026.
What it would do: Requires health insurers to cover infertility treatments including egg retrievals, embryo transfers, and in vitro fertilization, with exemptions for certain insurers. Establishes a program and Market Equity Fund to reimburse costs for exempt plans through assessments on other insurers.
What it would do: Amends occupational disease law to add post-traumatic stress disorder and acute stress disorder as presumptively compensable occupational diseases for specified full-time paid public employees including firefighters, police officers, emergency responders, and certain state hospital and DHS workers.
What it would do: Requires health insurers, Oregon Health Authority, coordinated care organizations, and public employee benefit boards to reimburse eligible rural urgent care centers with onsite radiology and laboratory services at 20 percent higher rates than non-eligible urgent care centers, effective January 1, 2027, with sunset January 2, 2033.
Introduced or inactive
11 of 40 shown
What it would do: Amends Oregon workers' compensation law to expand the definition of attending physician to include nurse practitioners and physician associates, and modifies managed care organization requirements and dispute resolution procedures.
What it would do: Prohibits insurers and pharmacy benefit managers from denying or restricting coverage of physician-administered drugs obtained from non-participating pharmacies if the drug is covered, medically necessary, and meets federal supply chain requirements. Violations are unlawful practices under Oregon consumer protection law.
What it would do: Expands the definition of applied behavior analysis to include services by behavior analysis interventionists and extends coverage requirements to intellectual or developmental disabilities in addition to autism spectrum disorder, with coverage up to 25 hours per week for individuals under nine years of age.
What it would do: Requires health insurers to reimburse clinical social workers, psychologists, physician associates, nurse practitioners, mental health professionals, professional counselors, and marriage and family therapists at the same amount as physicians for covered services within their lawful scope of practice, effective January 1, 2026.
What it would do: Requires the Department of Consumer and Business Services to collect data from motor vehicle liability insurers on underwriting practices, rating criteria, and demographic information to analyze whether unfairly discriminatory practices occur in insurance underwriting and premium setting.
What it would do: Establishes Consumer Financial Education Account and Consumer Insurance Education Account within the Consumer and Business Services Fund, funded by civil penalties and settlement moneys from enforcement actions, with moneys continuously appropriated for consumer financial and insurance education.
What it would do: Creates a testing permit system for highly automated vehicles, requiring manufacturers to obtain permits from the Department of Transportation, meet insurance and safety requirements, and report collisions, disengagements, and traffic citations. Becomes operative January 1, 2027.
What it would do: Prohibits insurers from excluding, limiting, or reducing coverage for veterinary services based on a pet's preexisting condition, regardless of whether the insured knew of or disclosed the condition. Applies to policies issued or renewed on or after the effective date.
What it would do: Amends workers' compensation law to allow workers enrolled in training to receive temporary disability compensation and permanent disability payments for impairment while training, and to postpone training selection until claim closure and appeals are final.
Showing the 25 furthest along of 54. Subscribers see all of them, filtered and searchable. Bill titles link to the Oregon Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Oregon have an insurance law?
Yes. Oregon enacted 20 insurance laws in the 2025 and 2026 sessions, among them HB 4040, SB 1568 and SB 824. Each is listed on this page with what it requires.
When do Oregon's insurance laws take effect?
HB 3064 on 1 January 2026, SB 692 on 1 January 2026, SB 1148 on 1 January 2026 and SB 803 on 1 January 2026. The others have no single date in their text.
Which insurance bills are moving in Oregon?
14 bills not yet law have passed a committee or a chamber, the furthest along HB 4028 (passed chamber), HB 4098 (floor vote) and HB 4155 (passed committee).
What does Oregon legislate on most in insurance?
Health coverage and plan regulation (36 bills), Licensing, solvency and market conduct (13 bills) and Property, catastrophe and climate risk (11 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Oregon
- AI in Oregon11
- Alcohol in Oregon10
- Cannabis in Oregon30
- Children's Online Safety in Oregon6
- Cybersecurity in Oregon4
- Data center and energy in Oregon3
- Data Privacy in Oregon10
- Employment in Oregon145
- Healthcare in Oregon160
- Intellectual Property in Oregon5
- Packaging and PFAS in Oregon19
- Payments and fintech in Oregon3
- Rental housing in Oregon32
- Tobacco and nicotine in Oregon8
- Transportation in Oregon11
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- Arizona91
- South Carolina86
- North Carolina80
- Minnesota78
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Oregon's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.