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

Blog Post | Health Care

The Whole Shebang at a Glance: Proposed Health Insurance Rates for 2016 | Jesse Ellis O'Brien

Here’s the skinny on OSPIRG Foundation’s new analysis of 2016 rates proposed by four Oregon insurers—LifeWise, Moda, PacificSource and Regence. 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 PacificSource Health Plan's proposal to raise individual health insurance rates

PacificSource Health Plan members with individual health insurance plans will see rate hikes of 42.7% on average, and as high as 60.4%, if the premium rate hike proposed by PacificSource goes forward. PacificSource’s increase is the largest proposed by a major health insurance carrier in Oregon’s individual market since 2010, when new rules heightening scrutiny of health insurance rates were implemented.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on Regence BlueCross BlueShield of Oregon's proposal to raise individual health insurance rates

Regence BlueCross BlueShield’s membership of more than 24,000 Oregonians with individual health insurance plans will see rate hikes of 12.3% on average, if the premium rate hike proposed by Regence goes forward. Some Regence members in transitional plans that will be discontinued at the end of the current year, which do not include the consumer protections of the federal health reform law, may see increases of up to 235% if they stick with Regence.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on LifeWise Health Plan of Oregon's proposal to raise individual health insurance rates

LifeWise Health Plan of Oregon’s 26,405 members with individual health insurance plans will see rate hikes of 37.2%on average, and as high as 45%, if the premium rate hike proposed by LifeWise goes forward.

> 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 102,000 Oregonians with individual health insurance plans will see rate hikes of 25.6% on average, and as high as 54.12%, if the premium rate hike proposed by Moda goes forward. Moda currently has the largest market share in Oregon’s Individual market. Moda’s increase is the largest proposed by the dominant carrier in the individual market since 2010, when new rules heightening scrutiny of health insurance rates were implemented.

> Keep Reading

Pages

News Release | OSPIRG Foundation | Health Care

ODS Rate Hike Nudged Down to 8.94%

Officials at the Oregon Department of Consumer and Business Services (DCBS) announced approval of an of an 8.94% rate increase on ODS individual policies, down one percentage point from the proposed 9.94% average rate hike.

> Keep Reading
Media Hit | Health Care

Oregon Eyes Insurance Rate Increase

SALEM, Ore. - Customers of one of Oregon's largest health insurance companies may see a large rate increase soon. State insurance regulators held a rare public hearing Wednesday on the request by ODS Health Plan to hike its rates an average of 10 percent.

> Keep Reading
News Release | OSPIRG Foundation | Health Care

Analysis of Proposed 9.94% ODS Health Plan Rate Hike

ODS Health Plan will defend its proposal to raise rates nearly 10% on over 26,000 Oregonians at a public hearing today in Salem. The increase comes after two back-to-back years of increases exceeding 17%. If approved, the average rate will have soared 52% for individual policyholders over the last three years.

> Keep Reading
Media Hit | Health Care

Testing a new reflex on health care

Earlier this year, Regence BlueCross BlueShield of Oregon found itself under a powerful spotlight. At a public hearing -- the first such hearing in more than two decades -- Regence had to justify its 22.1 percent rate increase request to state regulators, as well as to the more than 150 Oregonians in attendance.

> Keep Reading
Media Hit | Health Care

Does Your State Even Care What You Pay for Health Insurance?

After watching health insurance rates balloon in the last several years, you might wonder who has the consumer's back. States are largely responsible for overseeing how much health insurance companies charge for coverage, but they're all over the map in terms of how hard they scrutinize proposed premiums.

> Keep Reading

Pages

Blog Post

 

In 2018, OSPIRG helped pass a prescription drug price transparency program in order to better understand why prescriptions cost so much and to protect consumers from unexpected price increases. Now in its second year, the Oregon Department of Consumer and Business Services released the results from 2020 reporting. Here are some key takeaways:

News Release | OSPIRG

The maker of Humira, the world’s best-selling drug, faces a new legal challenge over alleged anticompetitive tactics. Monday, the U.S. Public Interest Research Group (U.S. PIRG) filed an amicus brief in the 7th Circuit Court of Appeals arguing that AbbVie’s strategies of reverse payment settlements and creating “patent thickets” have delayed the entry of biologically similar generic drugs (biosimilars) onto the market, costing Americans billions of dollars. 

Report | OSPIRG Foundation

COVID-19 is putting incredible stress on the U.S. medical system, including the work of hospital biomedical repair technicians, known as biomeds or BMETs. These technicians are essential; hospitals need working equipment to diagnose and treat patients. But in some cases, manufacturers restrict access to what biomeds need.

News Release | OSPIRG Foundation

The coronavirus (COVID-19) pandemic is putting incredible stress on the U.S. medical system, including the equipment that is essential to diagnose and treat patients, such as ventilators. As that equipment is pressed into round-the-clock use, biomedical repair technicians face increasing pressure to maintain and repair all that equipment. However, in too many cases, manufacturers limit access to the essential tools and information these repair experts need. A new report by the OSPIRG Foundation, Hospital Repair Restrictions, details the challenges that medical professionals face as a result of device manufacturers setting up barriers to repair, and outlines steps to take to help hospitals. 

News Release | OSPIRG

OSPIRG delivered a letter to Gov. Kate Brown Monday, signed by 326 hospital repair experts from around the country, including 6 in Oregon, calling for manufacturers to stop withholding what technicians need to fix medical equipment like ventilators. It’s part of OSPIRG’s larger Right to Repair Campaign, which aims to remove unnecessary barriers to repair that drive up costs for product owners and increase electronic waste. 

Health Care

Oregon drug prices five times higher than in other countries, report finds

A prescription medication in Oregon, on average, costs five times as much as the most expensive international price. OSPIRG is calling on the Department of Consumer and Business Services  to improve transparency by compelling drug manufacturers to publish their profits, among other information.

 

Health Care | U.S. PIRG

Searching for common ground on caregiving

In our politically divided time, it's difficult to see where we can find common ground. But the need to value the work of caring for our loved ones is one such place. PIRG Senior Director of New Economy Campaigns Evan Preston explains in his blog, "Toward Consensus on Caregiving."

 
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



OSPIRG is part of The Public Interest Network, which operates and supports organizations committed to a shared vision of a better world and a strategic approach to social change.