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

News Release | OSPIRG | Health Care

OSPIRG's Jesse O'Brien Awarded "Health Care Value Advocate of the Year"

Today, OSPIRG Policy Director Jesse O’Brien was awarded “Health Care Value Advocate of the Year,” in recognition of his years of leadership advocating for policies and strategies to improve the value proposition of health care for consumers.

> Keep Reading
Blog Post | Health Care

MEASURE 101 PROTECTS CONSUMERS AND STABILIZES INSURANCE PREMIUMS | Jesse O'Brien

OSPIRG urges a YES vote on this important initiative, which will help contain health insurance rate hikes for Oregon families and individuals buying coverage on their own and fund critical programs that keep Oregonians healthy and out of the emergency room.

> Keep Reading
Blog Post | Health Care

OPEN ENROLLMENT FOR 2018: WHAT YOU NEED TO KNOW | Jesse O'Brien

It’s that time again: Time to enroll in health insurance for next year. Health care has been a political football in Washington throughout the year, and there has been a lot of confusion and uncertainty about the future. With all of this background noise, it’s more important than ever to get the facts about how you and your family can get coverage that works for you. 

> Keep Reading
News Release | Health Care

New health care executive order is a step in the wrong direction

Today, President Trump signed a new Executive Order that aims to loosen up rules for health insurance plans for individuals, families and small businesses. Though the administration touts the potential for lower-cost health insurance under looser rules, this action will not help American consumers. In fact, it is likely to make matters worse by destabilizing the markets Americans rely on for health coverage. American consumers need real action on health care costs, but this simply will not cut it.

> Keep Reading

California’s new drug price law is a win for consumers nationwide

Today, California Governor Jerry Brown signed Senate Bill 17 into law, a groundbreaking measure to increase transparency and accountability for the prescription drug industry. We celebrate the new law—passed with support and hard work from CALPIRG—as a landmark victory for consumers, not just in California, but nationwide.

> Keep Reading

Pages

News Release | U.S. PIRG | Health Care

Our Statement on House Passage of the American Health Care Act

Today’s House vote is a big step in the wrong direction for American consumers and the American health care system. It’s no secret that there are plenty of problems with health care in America, but the AHCA in its current form not only won’t address the real problems in our health care system—it is likely to make them worse.

> Keep Reading
News Release | OSPIRG | Health Care

Oregon takes important step toward addressing rising prescription drug prices

OSPIRG applauds the Oregon House Health Care Committee’s vote to advance House Bill 2387, an urgently needed comprehensive approach to addressing the rising cost of prescription drugs.

> Keep Reading
News Release | OSPIRG | Health Care

OSPIRG Applauds Oregon House Passage of HB 2339

OSPIRG applauds the Oregon House of Representatives vote to advance House Bill 2339, an urgently needed measure to protect Oregon consumers from large surprise medical bills.

> Keep Reading
News Release | OSPIRG Foundation | Health Care

Proposed health insurance rate hikes up to 32.3% merit close scrutiny, raise stakes for containing rising health care costs

Many of Oregon’s biggest health insurers have proposed large double-digit rate hikes for 2017, and according to new OSPIRG Foundation analysis released today, these proposals highlight not only the need for close scrutiny of health insurance rates, but also the urgency of action to contain the rising cost of health care services.

> Keep Reading
News Release | OSPIRG | Health Care

OSPIRG applauds passage of landmark health insurance network consumer protection legislation

House Bill 2468 will enable state regulators hold insurers accountable for delivering access to needed health care services through provider networks. The bill passed the Oregon Senate today and is on its way to Gov. Brown’s desk.

> Keep Reading

Pages

Report | OSPIRG | Health Care

Should I Stay or Should I Go?

Tips for consumers deciding whether to keep their individual health insurance plan or switch to a new plan for 2014.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Accountability in Action

Close scrutiny of proposed health insurance premiums for 2014 has cut over $69 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 $155 million since 2010, providing more evidence that Oregon’s effort to create accountability for health insurers is starting to pay off.

> Keep Reading
Report | OSPIRG | Democracy, Health Care

2013 Legislative Vote Chart

Want to know how your Oregon state legislators voted on key bills related to democracy, health care and government transparency during the 2013 legislative session? Download OSPIRG's vote chart.

> Keep Reading
Report | OSPIRG | Health Care

Top 20 Pay-For-Delay Drugs

Too often, consumers are forced to shoulder a heavy financial burden, or even go without needed medicine, due to the high cost of brand-name drugs. Our research indicates that one significant cause is the practice called “pay for delay,” which inflates the drug prices paid by tens of millions of Americans.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comment on Providence Health Plan's Proposed Individual Health Insurance Rates

Providence Health Plan has proposed premium rates for its individual and family plans for 2014. The insurer initially filed for significantly higher rates than Oregon’s other top insurance companies,   but then proposed lowering the rates. Doing so would bring the rates in line with those of competing insurers. OSPIRG Foundation's analysis of Providence's initial filing and the supplemental information provided raises some concerns about the insurer's proposal and its justification.

> Keep Reading

Pages

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
Blog Post | Health Care

Tax Season and Health Care: What You Need to Know | Jesse Ellis O'Brien

Tax season is here, and many Oregonians may have questions about new tax forms and provisions, including health premium tax credits and the new requirement to purchase health insurance. Here’s what you need to know.

> Keep Reading
Blog Post | Health Care

Open Enrollment: Here’s What You Need to Know | Jesse Ellis O'Brien

The countdown is on for enrolling in health insurance for 2015. With all of the changes coming to health care in Oregon, it’s more important than ever to get the facts about what’s happening and how you and your family can get coverage that works for you. Here’s our guide to Oregon’s open enrollment period, which starts November 15.

> 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
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

Pages

News Release | OSPIRG Foundation

Oregon consumers face rising health insurance premiums on the individual market, due to rising health care costs and recent changes to federal policy.  A new report from OSPIRG Foundaiton and Frontier Group explores the drivers of market instability and policy options for the state to stabilize the marketplace and expand consumer choice.

Report | OSPIRG Foundation

New report from OSPIRG Foundation and Frontier Group details rising health care costs and federal disruptions to the individual insurance market; explores policy options to stabilize prices and expand consumer choice.

Blog Post

This March, the State of Oregon launched a system that allows consumers to report price increases on their prescription drugs.   OSPIRG encourages consumers to report price increases on their prescriptions to the state whenever possible.

Blog Post

Oregon's legislature is considering several bills that could bring down the high cost of prescription drugs.  OSPIRG Foundation's recent report, the "Real Price of Medications" exposed vast and illogical price variations between different pharmacies.  Lawmakers should take concrete actions to address this problem, but there are steps consumers can take right now to save money on prescription drugs.

News Release | OSPIRG

OSPIRG Foundation Researchers surveyed over 250 pharmacies across 11 states regarding cash prices for several common medications.  The report on the findings of this survey found extreme varations in price between different pharmacies.

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