Employer health plans · Oregon
Employer health plans in Oregon
How Oregon employers fund their health plans and which carriers insure them.
2024 plan filings
Employer health plans in Oregon at a glance
Employer plan filings, 2024
Large employer health plans
915
form year 2024
Fully insured
623
68% of large plans
Self-funded
279
8% with stop-loss
Small plans
59
fewer details reported
Median premium per person covered
$7,482
insured contracts, all carriers
Insurance carriers for Oregon employer health plans
Insured large plans by carrier group, form year 2024
| Carrier | Plans | Share | Persons covered | Median premium / person | Median broker % |
|---|---|---|---|---|---|
| Kaiser Permanente | 218 | 35% | 74,349 | $8,091 | 2.8% |
| Blue Cross Blue Shield | 142 | 23% | 1,044,923 | $7,416 | 3.2% |
| UnitedHealthcare | 81 | 13% | 27,975 | $6,301 | 3.1% |
| Cigna | 43 | 7% | 11,574 | $3,322 | 8.6% |
| Aetna | 25 | 4% | 5,777 | $5,649 | 3.2% |
| Anthem (Elevance Health) | 2 | 0% | 584 | $4,767 | 3.2% |
Fully insured vs self-funded
Large employer health plans, 2020–2024
| Form year | Large plans | Insured | Self-funded | Self-funded share |
|---|---|---|---|---|
| 2020 | 892 | 650 | 232 | 26% |
| 2021 | 899 | 666 | 226 | 25% |
| 2022 | 878 | 638 | 232 | 26% |
| 2023 | 911 | 641 | 258 | 28% |
| 2024 | 915 | 623 | 279 | 30% |
| 2025 (partial) | 667 | 422 | 236 | 35% |
Methodology
How these numbers are calculated
- Sources: employer health plan filings for 2020–2024 (2025 is still coming in and is labelled partial), negotiated rates published by health insurers and hospitals (2026), and Medicare fee schedules for reference.
- Which plans count: large employer health plans, placed in the state of the employer's business address. A carrier's figures count plans with a major-medical insurance contract with that carrier. Self-funded plans that a carrier only administers are not counted under that carrier, and supplemental coverage (dental, vision, accident, hospital indemnity) is excluded.
- Premium per person covered: premium divided by the persons covered on the contract, for contracts covering at least 20 persons.
- Broker pay: commissions and fees paid on each contract, as a share of that contract's premium.
- Network rates: physician negotiated rates for the Employer 50 services, from a sample of providers, shown as a percentage of Medicare. Shown only where the network passes Medlyze's quality checks for the state.
- Hospital prices: commercial negotiated rates (2026) for the whole hospital stay or the hospital's facility charge. Medicare Advantage, Medicaid and individual-market rates are excluded, and so is Humana, whose hospital rates are almost all Medicare. Physician, anesthesia and implant charges are separate.
- Not a judgement: differences describe the plans and rates analyzed. They are not findings about any employer, carrier or broker, and they say nothing about quality or value.
Get the full figures
Brokers: an Employer Account Brief on one employer, or a Prospect List for this market. Employers: a Plan Cost Benchmark for your own plan, with every hospital near your people.