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

OSPIRG FOUNDATION COMMENTS ON THE PROVIDENCE HEALTH PLAN PROPOSAL FOR INDIVIDUAL HEALTH RATES EFFECTIVE JANUARY 2019

Providence Health Plan’s 91,425 members with individual health insurance plans will see rate hikes of 13.6% on average, and as high as 24.1%, if the premium increase proposed by Providence goes forward. 

> Keep Reading
News Release | OSPIRG Foundation | Health Care

Oregonians Need Better Information on Health Care Costs

Oregon consumers are paying more and have less ability to make informed decisions about their health care due to opaque prices for health care services, according to a report released today by OSPIRG Foundation and Frontier Group. The report provides an in-depth analysis of the power of price transparency to contain costs and improve the experience of care for patients and health care providers, and identifies evidence-based policies and strategies for Oregon to advance health care price transparency. 

> Keep Reading
Report | OSPIRG Foundation and Frontier Group | Health Care

Improving Price Transparency

Opaque and unavailable prices for health care services violate the basic consumer right to know in advance about the price of goods or services. When consumers are asked to make decisions about care without access to meaningful price information, they are unable to make informed decisions in high-stakes situations that can profoundly affect their future health and financial security. Improving the price transparency of health care services isn’t just about fulfilling a basic consumer right – it is also a critical step in diagnosing and addressing the high cost of health care. 

> Keep Reading
Blog Post | Democracy, Health Care, Tax

2018 Legislative Session Recap | Charlie Fisher

On March 3rd, the state legislature adjourned a four-week “short session.” See how our main priorities fared in the legislature.

> Keep Reading
News Release | OSPIRG | Health Care

Statement on passage of HB 4005

In an overwhelming bipartisan vote in both chambers, Oregon lawmakers stood up to the powerful pharmaceutical corporations and did the right thing.

> 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

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
Report | OSPIRG Foundation | Health Care

Comment on Kaiser Foundation Health Plan's Proposed Individual Health Insurance Rates

Kaiser Foundation Health Plan of the Northwest has proposed premium rates for its individual and family plans for 2014. Since its initial rate filing, the insurer has submitted a proposal to reduce those rates. OSPIRG Foundation's analysis of Kaiser’s initial filing and the supplemental information provided raises some concerns about the insurer's proposal and its justification.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comment on BridgeSpan Health Company's Proposed Individual Health Insurance Rates

BridgeSpan Health Company—a new health insurer affiliated with Regence BlueCross BlueShield of Oregon through a parent company, Cambia Health Solutions—has proposed premium rates for its individual and family plans for 2014. OSPIRG Foundation's analysis raises questions about the insurer's justification for the proposal, and about BridgeSpan's efforts to reduce costs by cutting waste and focusing on prevention.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on LifeWise Health Plan's Proposal for Individual Health Insurance Rates

LifeWise Health Plan of Oregon has proposed premium rates for its individual and family plans for 2014. After careful analysis of LifeWise’s initial filing and the supplemental information provided, OSPIRG Foundation's analysis questions whether the insurer has provided sufficient information to evaluate the justification for their proposed rate.

> Keep Reading

Pages

Blog Post | Health Care

Will Oregon’s health reforms deliver results for consumers? A new study raises some tough questions. | Jesse Ellis O'Brien

According to a new study, Oregon’s efforts to transform health care are not yet delivering on their potential to improve the consumer experience.

> Keep Reading
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

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.

Health Care

OSPIRG showcases Voices for Better Health Care

OSPIRG has launched Voices for Better Care, a website dedicated to those across the Beaver State who share our goal of improving the quality and value of Oregon health care. Stories shared on the site highlight common problems, such as high prescription drug costs or expensive insurance premiums, that personally affect thousands of Oregonians.

 

Health Care

Here's what you can do if you receive a surprise medical bill

For those who receive medical treatment at a hospital or emergency room within their insurance network, surprise medical bills from out-of-network providers are costly, unfair and surprisingly common. That's why OSPIRG has launched a consumer education campaign on what surprise medical bills are and what rights and protections Oregonians have.

 

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.