State profile · OR · CMS + NAIC
Oregon marketplace insurers denied 13.4% of claims (26th of 30 states); drivers average $1170/yr for auto cover, #20 nationally by cost.
The verdict
Marketplace insurers in Oregon deny 13.4% of claims - below the 20% national average, the 26th-highest of 30 states, and drivers pay an average $1170 a year for auto cover, about the $1191 national average (the 20th-most-expensive of 51 states).
PacificSource Health Plans: 20.0% denied (996 of 4,979)
20 % of claims denied
Moda Health Plan, Inc.: 15.7% denied (176,356 of 1,123,420)
16 % of claims denied
Regence BlueCross BlueShield of Oregon: 13.3% denied (141,734 of 1,068,671)
13 % of claims denied
BridgeSpan Health Company: 11.6% denied (1,468 of 12,610)
12 % of claims denied
Kaiser Foundation Healthplan of the NW: 9.2% denied (1,133 of 12,307)
9 % of claims denied
Providence Health Plan: 8.3% denied (36,828 of 443,992)
8 % 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.
6 insurers reporting marketplace claims in Oregon
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | PacificSource Health Plans B | 4,979 | |
| 2 | Moda Health Plan, Inc. F | 1,123,420 | |
| 3 | Regence BlueCross BlueShield of Oregon A | 1,068,671 | |
| 4 | BridgeSpan Health Company B | 12,610 | |
| 5 | Kaiser Foundation Healthplan of the NW A | 12,307 | |
| 6 | Providence Health Plan A | 443,992 |
Among carriers with enough reported claims to compare, Oregon's highest marketplace denial rates in this dataset belong to PacificSource Health Plans (20.0%), Moda Health Plan, Inc. (15.7%), and Regence BlueCross BlueShield of Oregon (13.3%). A high rate often reflects utilization-review intensity and network design, not just claim legitimacy -- check the carrier's own profile before drawing conclusions.
The reported-claims sample is highly concentrated: the 3 largest insurers account for 99% of the 2,665,979 claims represented here. That makes the statewide rate especially sensitive to the mix and experience of a few reporting carriers. Only insurers with at least 1,000 claims in the CMS filing are included, so this is a description of the available dataset rather than the full insurance market.
Regence BlueCross BlueShield of Oregon: 88 of 616 reported appeals overturned
14 appeals overturned (%)
Providence Health Plan: 217 of 301 reported appeals overturned
72 appeals overturned (%)
Moda Health Plan, Inc.: 67 of 173 reported appeals overturned
39 appeals overturned (%)
PacificSource Health Plans: 12 of 136 reported appeals overturned
9 appeals overturned (%)
What this shows Across the 4 carriers with at least 100 reported appeals in Oregon, 31.3% of reported appeals were overturned (384 of 1,226). This filing field describes reported outcomes, not the likelihood that an individual claim will change.
2019: $990 average expenditure
$990 avg expenditure
2020: $952 average expenditure
$952 avg expenditure
2021: $947 average expenditure
$947 avg expenditure
2022: $1006 average expenditure
$1,006 avg expenditure
2023: $1170 average expenditure
$1,170 avg expenditure
What this shows Oregon drivers' average auto cost rose 18% between 2019 and 2023.
Year over year, Oregon's average auto expenditure rose 16.4% from 2022 to 2023, part of a 18% increase (+$180) since 2019. See the full 5-year state-by-state comparison.
Oregon auto rates in detail →Oregon: $1170/yr average auto expenditure (this state)
$1,170 avg expenditure
California: $1223/yr average auto expenditure
$1,223 avg expenditure
Mississippi: $1200/yr average auto expenditure
$1,200 avg expenditure
Utah: $1169/yr average auto expenditure
$1,169 avg expenditure
Missouri: $1155/yr average auto expenditure
$1,155 avg expenditure
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Reporting-sample shape
The 3 largest reporting insurers represent 99% of the 2,665,979 claims in this page's CMS sample. That concentration means the statewide rate can be strongly affected by a few carriers and their plan mix.
Marketplace claims filing
Oregon's reporting insurers denied 13.4% of submitted marketplace claims, ranking 26th among the 30 states with a comparable federal filing. This is a carrier-reported claims measure, not a consumer-complaint rate or a prediction of how an individual claim will be resolved.
Auto-cost position
Oregon's 2023 average auto expenditure was $1170, 20th of 51 jurisdictions by cost and 1.7% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Oregon uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Oregon's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Oregon's closest peers in PlainInsurer's dataset are Utah ($1169/yr) and Missouri ($1155/yr) -- both within a few dollars of Oregon's own $1170/yr.
Border comparison. Oregon borders California, Idaho, Nevada, and Washington. Oregon's auto costs run higher than 2 of them and lower than 2, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.