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Senior Health Insurance
Rates and Forms Section
Before licensed insurers can conduct business in Oregon they must file their
policy forms and, in some cases, their premium rates for prior approval by the
Insurance Division. This prior approval requirement provides an important safeguard
for the insurance-buying public in Oregon.
Professional staff in the Rates and Forms Section review policy forms and premium
rates to ensure that:
- Policy provisions are fair to consumers and in compliance with Oregon's laws
- Premium rates are reasonable in relation to the coverage provided.
- Policy language and sales materials are clear and understandable.
- Competition among insurers is fair and on a sound financial basis.
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