State profile · OR · CMS + NAIC
Insurance in Oregon
How health insurers handle claims in Oregon, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 11.4%
- Avg claims denied
- #30
- denial rank of 31
- $1170
- Avg auto / yr
- +18%
- Auto, 5-yr
- 6
- Insurers w/ data
The verdict
Marketplace insurers in Oregon deny 11.4% of claims — below the 21% national average, the 30th-highest of 31 states, and drivers pay an average $1170 a year for auto cover, about the $1191 national average.
- 11.4%
- avg claims denied
- #30
- of 31 states
- $1170
- avg auto / yr
- 17%
- highest (Moda Health Plan)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Oregon
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- Moda Health Plan
Moda Health Plan, Inc.: 16.7% denied (166,323 of 997,817)
16.7 % of claims denied
- Regence BlueCross BlueSh
Regence BlueCross BlueShield of Oregon: 13.0% denied (53,353 of 410,101)
13 % of claims denied
- BridgeSpan Health Compan
BridgeSpan Health Company: 10.7% denied (1,065 of 9,952)
10.7 % of claims denied
- Kaiser Foundation Health
Kaiser Foundation Healthplan of the NW: 9.2% denied (1,217 of 13,232)
9.2 % of claims denied
- Providence Health Plan
Providence Health Plan: 8.0% denied (43,481 of 544,532)
8 % of claims denied
- PacificSource Health Pla 2.6
PacificSource Health Plans: 2.6% denied (12,065 of 459,999)
2.6 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Oregon. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Oregon, by denial rate
6 insurers reporting marketplace claims in Oregon
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | Moda Health Plan, Inc. D | 997,817 | |
| 2 | Regence BlueCross BlueShield of Oregon A | 410,101 | |
| 3 | BridgeSpan Health Company C | 9,952 | |
| 4 | Kaiser Foundation Healthplan of the NW A | 13,232 | |
| 5 | Providence Health Plan A | 544,532 | |
| 6 | PacificSource Health Plans A | 459,999 |
Auto insurance in Oregon
Auto premiums in Oregon are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $990 average expenditure
$990 avg expenditure
- 2020
2020: $952 average expenditure
$952 avg expenditure
- 2021
2021: $947 average expenditure
$947 avg expenditure
- 2022
2022: $1006 average expenditure
$1,006 avg expenditure
- 2023
2023: $1170 average expenditure
$1,170 avg expenditure
What this shows Oregon drivers' average auto cost rose 18% between 2019 and 2023.
What the data shows for Oregon
Oregon's marketplace insurers denied 11.4% of submitted claims in the CMS data, the 30th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Oregon pay an average $1170 a year — less than the $1191 national average — split across $751 liability, $352 collision and $165 comprehensive premiums. That figure has moved up 18% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Oregon can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Oregon residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Oregon's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.