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!

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[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

Proposed Health Insurance Rates for 2017: What You Need to Know | Jesse Ellis O'Brien

Here’s the skinny on OSPIRG Foundation’s new analysis of 2017 rates proposed by five Oregon insurers—Kaiser, Moda, PacificSource, Providence 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 Providence Health Plan's proposal to raise individual health insurance rates

Providence Health Plan’s 105,406 members with individual health insurance plans will see rate hikes of 29.6% on average, and as high as 72.3%, if the premium rate hike proposed by Providence goes forward. At the same time, the insurer is planning to scale back its service area drastically and no longer offer its plans in many regions of Oregon.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on Kaiser Foundation Health Plan of the Northwest's proposal to raise individual health insurance rates

Kaiser Foundation Health Plan of the Northwest’s 26,014 members with individual health insurance plans will see rate hikes of 14.5% on average, and as high as 22.05%, if the premium rate hike proposed by Kaiser goes forward.

> Keep Reading
Report | OSPIRG Foundation | Health Care

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

Regence BlueCross BlueShield’s 14,811 members with individual health insurance plans will see rate hikes of 17.9% on average, and as high as 36.1%, if the premium rate hike proposed by Regence 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 58,280 members with individual health insurance plans will see rate hikes of 32.3% on average, and as high as 84.2%,if the premium rate hike proposed by Moda goes forward.

> Keep Reading

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Media Hit | Health Care

OSPIRG: 16 Health Insurance Companies Need To Justify Rates

An Oregon consumer group says the 16 companies that have proposed insurance rates for the state's new health exchange haven't offered adequate justification for prices.

> Keep Reading
News Release | OSPIRG Foundation | Health Care

Proposed 2014 health insurance rates lack adequate justification

Sixteen Oregon health insurance companies have proposed their premium rates for next year, and according to new OSPIRG Foundation analysis released today, many have failed to adequately justify their prices.“With some insurers proposing rates twice as high as others for identical coverage, it is more critical than ever to scrutinize the basis for these rates,” said Jesse O’Brien, OSPIRG Foundation Health Care Advocate.

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Media Hit | Health Care

OSPIRG: 16 Health Insurance Companies Need To Justify Rates

An Oregon consumer group says the 16 companies that have proposed insurance rates for the state's new health exchange, haven't offered adequate justification for prices. 

> Keep Reading
News Release | OSPIRG Foundation | Health Care

$80 Million In Health Insurance Waste Cut Since 2010

Since 2010, close scrutiny of health insurance rate hikes has cut over $80 million in waste and unjustified costs from health insurance premiums in Oregon, according to an OSPIRG Foundation report released today. The report also identifies changes to Oregon’s rate review program that would effectively tackle the biggest driver of costs: waste in the health care delivery system.

> Keep Reading
Media Hit | Health Care

Public comment sought on rules for Oregon health insurance exchange

State officials are holding a hearing Wednesday to receive public comment on rules for the state's health insurance exchange -- essentially an online marketplace for consumers called for by federal health reforms.

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Pages

Report | OSPIRG Foundation | Health Care

Comments on PacificSource's Small Business Rate Hike Proposal

PacificSource is proposing to increase rates 5.56% on average, affecting 35,224 Oregonians enrolled in small business plans. If approved, this rate increase will have wide ranging impacts. Most enrollees will see increases of between 6% and 10%. Some will see increases of up to 11.2%. Over 27% will see increases of between 8% and 14%.

 

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on Regence Small Business Rate Hike Proposal

We are concerned that Regence BlueCross BlueShield (Regence) has not adequately justified its proposal for a rate increase impacting 47,806 Oregonians with coverage through a small business employer.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Making the Grade

By providing better options and better information, and negotiating on behalf of its enrollees, the exchange can level the playing field for consumers.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on ODS Health Plan's Proposal to Increase Rates 9.94%

ODS Health Plan (ODS) is proposing to raise rates an average of 9.94%, impacting 26,333 Oregon consumers and families with individual plans, effective November 1, 2011. The nearly 10% rate increase comes after two back-to-back years of increases exceeding 17%. If approved, the average rate will have increased 52% for individual policyholders over the last three years.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on Regence Proposal to Increase Rates 22%

Regence BlueCross BlueShield of Oregon (Regence) is proposing to raise rates an average of 22.1% on individual plans. These are plans for people who do not have employer-based coverage. If approved, this rate increase will impact 59,477 Oregonians effective August 1, 2011.

> Keep Reading

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Blog Post | Health Care

Regence Rate Increase Hearing | Matt Orchant

Health insurance premiums are going up again. The latest request for a rate hike came from Regence for their small group plans. The average increase requested over the next year will be 8%, but some businesses will see increases in excess of 15%. At OSPIRG, we’re concerned that Regence has not adequately justified this increase request.

> Keep Reading
Blog Post | Consumer Protection, Health Care

Latest Regence Health Insurance Rate Hike

Regence BlueCross BlueShield of Oregon is proposing to raise rates an average of 22% on 60,000 Oregonians. This is the fifth straight year of double-digit rate hikes. But this year, something interesting is happening.

> Keep Reading
Blog Post | Consumer Protection, Health Care

The Oregonian and health care costs | David Rosenfeld

If you haven't seen the Oregonian's editorial on the Senate's health insurance exchange bill, it's worth a read. Unfortunately, the Oregon Senate decided to prohibit the exchange from negotiating with insurance companies to get consumers a better deal (which I'm sure insurers are happy about.)

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Blog Post | Consumer Protection, Health Care

Holding health insurers accountable for costs | David Rosenfeld

What if health insurance companies had to stand before the public and clearly justify their rate hikes?

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Blog Post | Consumer Protection, Health Care

For Health Net Customers | David Rosenfeld

If you are a Health Net customer, you may have received a notice in the mail this week. If you did, we urge you to open it.

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