Health Insurance Rate Watch Project

OSPIRG’s Health Insurance Rate Watch Project pushes health insurers to do more to cut waste and focus on prevention before they raise premiums. 

Cutting waste from insurance premiums

Health care still costs more than it should. One study estimates that in 2009, $765 billion, or one-third of all health care spending, was wasted on things that did not make us healthier. [1] Some of that estimated waste included:

  • Overinflated medical prices: $105 billion in waste. Recently, hospitals have been caught charging outrageous prices, such as $1000 for one toothbrush and $140 for a single Tylenol. [2]
  • Duplicative treatments: $8 billion in waste. This includes the extra costs of having to get the same x-ray or MRI twice because health care is poorly coordinated.
  • Excessive administrative costs and paperwork: $190 billion in waste. 

Far too often, insurers simply pass those costs along to us in the form of higher premiums. 

So OSPIRG pushes back to make sure health insurance companies do more to cut waste before they raise premiums. Close scrutiny of rate hike proposals already helped cut over 179 million dollars from health insurance premiums in Oregon. [3] Now we want to make sure that insurers do even more to bring down costs: by focusing on keeping patients healthy instead of only paying for treatments once they get sick; actively negotiating for better deals from hospitals; and doing more to cut waste.

Unfortunately, some health insurance companies are spending millions to maintain their influence in Salem. But when we’ve brought public pressure to bear on unjustified rate increases, we’ve seen results, so join us!

**********

[1] Institute of Medicine of the National Academies, Feb. 2011, The Healthcare Imperative: Lowering Costs and Improving Outcomes: infographic and report

[2] CNN, March 2010, Prescription for waste: $1000 toothbrush. See also New York Times, Dec. 2013, As Hospital Prices Soar, a Stitch Tops $500.

[3] OSPIRG Foundation, September 2014, Accountability in Action.

Learn more about Oregon's health insurance rate review process and sign up to get notified about major rate proposals at the Oregon Insurance Division's consumer-friendly website, www.oregonhealthrates.org

Issue updates

Report | OSPIRG Foundation | Health Care

Accountability in Action: Rate Review Cuts Over $24 Million in Waste from 2015 Health Insurance Premiums

Close scrutiny of proposed health insurance premiums for 2015 has cut over $24 million in waste and unjustified costs from premiums for Oregon consumers and small businesses. This brings the total waste cut by Oregon’s rate review program to over $179 million since 2010.

> Keep Reading
Blog Post | Health Care

Health Insurance Rates for 2015 Announced Today | Jesse Ellis O'Brien

Today, the Oregon Insurance Division—the state’s insurance regulator—announced its decisions on health insurers’ rate proposals for next year. These decisions come after OSPIRG Foundation’s in-depth analysis raised numerous questions about some of the larger proposed rate increases.

> Keep Reading
News Release | OSPIRG Foundation | Health Care

Four proposed health insurance rate hikes lack adequate justification

New OSPIRG Foundation analysis of 2015 rates proposed by four Oregon insurers—Moda, PacificSource, United and Health Net—identifies problems and gaps in the insurers’ filings, and calls for increased scrutiny of insurers’ efforts to cut waste and improve quality of care.

> Keep Reading
Blog Post | Health Care

The Whole Shebang at a Glance: Proposed Health Insurance Rates for 2015 | Jesse Ellis O'Brien

Here’s the skinny on OSPIRG Foundation’s new analysis of 2015 rates proposed by four Oregon insurers—Moda, PacificSource, United and Health Net. There’s some good news, some concerning news, and some very concerning news, but the best news of all is that thanks to Oregon’s health insurance rate review process, the insurers don’t get the last word.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on Moda Health Plan's proposal to raise individual health insurance rates

Moda Health Plan’s membership of more than 95,000 Oregonians with individual health insurance plans will see double-digit rate hikes of 12.5% on average, and as high as 13.7%, if the premium rate hike proposed by Moda goes forward.

> Keep Reading

Pages

News Release | OSPIRG | Health Care

Health Exchange Clears Oregon Legislature

Consumers might see decent affordable coverage on the horizon, now that Oregon lawmakers have given the green light for the new Health Insurance Exchange.

> Keep Reading
Media Hit | Health Care

State of the rates

As any small business or individual who pays for health insurance can tell you, it hasn't been easy. Far from it, what with 20 percent rate hikes and a terrible economy.

But thanks to new rules to crack down on excessive health insurance rate hikes – and the greater scrutiny that has followed – consumers have reason for cautious optimism.

> Keep Reading
News Release | OSPIRG Foundation | Health Care

Public Comments Due on Regence Rate Hike

Oregonians impacted by Regence’s small business rate increase proposal have until the end of the day Tuesday, January 10th to submit public comments to the Oregon Insurance Division. 

 

> Keep Reading
News Release | OSPIRG Foundation | Health Care

15%+ Regence Rate Hikes for Some Small Businesses

If Regence BlueCross BlueShield’s proposal is approved, small businesses will see rates rise 8.0% on average, with some jumping more than 15% in the next year, according to a new analysis by OSPIRG Foundation’s Health Insurance Rate Watch project.

> Keep Reading
News Release | OSPIRG | Health Care

Oregon's Health Exchange Law Gets a B-

Oregon’s health insurance exchange has opportunities to do more to help consumers and small businesses hit with high health care costs, according to a new study.

> Keep Reading

Pages

Report | OSPIRG Foundation | Health Care

Building a Better Health Care Marketplace: Ensuring Accountability

The creation of a new health insurance exchange offers states an opportunity to improve health care and lower costs by pooling consumers’ bargaining power, creating economies of scale, and pushing insurers toward delivering lower costs and higher quality.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on Health Net's Rate Increase Proposal

Health Net Health Plan of Oregon is proposing an average 8.27% rate increase on small business plans impacting 37,872 Oregonians, effective April 1, 2011.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on United HealthCare's Proposed Rate Hike

In this rate filing, United HealthCare does not appear to justify the proposed 16.8% increase.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Delivering on the Promise

The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers, businesses, and local and state governments, as well as how insurers and providers operate.  But whether Americans experience improved care, lower costs and greater access depends largely on what happens next.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Premiums on the Rise

In 2008, over 400,000 Oregonians received an average rate increase over 4 times the rate of inflation, with 133,000 Oregonians hit with premium increases over 21%.

> Keep Reading

Pages

View AllRSS Feed

Support Us

Your donation supports OSPIRG’s work to stand up for consumers on the issues that matter, especially when powerful interests are blocking progress.

Consumer Alerts

Join our network and stay up to date on our campaigns, get important consumer updates, and take action on critical issues.
Optional Member Code