Health Insurance Alert

WE CAN HELP — Our health care policy experts are working to provide you with the resources you need to make the most of new health care consumer protections and tools.

How To Get The Best Deal

Newly uninsured and looking for coverage?  Deciding if your current plan still gives you the best value? Consumers have new options and protections. Know the facts.

1. Check out your options at the Health Insurance Marketplace. The plans include coverage for doctor visits, hospitalizations, maternity care, emergency room care, prescriptions and more.
You can sign up right away, and don’t have to wait until the next open enrollment period if you’ve recently lost coverage, or in other special cases.

Online: HealthCare.gov

Toll free: (800) 318-2596  TTY: (855) 889-4325

2. Find out about financial help. You may qualify for financial help to reduce monthly costs, and could be eligible for free or low-cost coverage. Check your eligibility online at HealthCare.gov or by calling one of the numbers above.

3. Get help comparing options and signing up. Take advantage of expert in-person help at no cost to you. Find a list of people who can help you and make an appointment online.

4. Compare plans. Key considerations include the monthly premium, potential out-of-pocket costs, provider network and independent quality ratings.

5. Don’t take no for an answer. Insurance companies can no longer deny you coverage due to a pre-existing condition.

6. Switch plans if you want to. In the health insurance marketplace, every year at open enrollment you can stick with your current plan, or switch to a new one.

7. Learn more. Check out our detailed Health Insurance 101 guide, So You Need Health Insurance. Now What?

8. Keep in touch. Check for updates on our website, and tell us about your experience. We want to hear what you think so we can spot trends and advocate for ongoing improvements. Contact us.

 

Health Care Consumer Protections

If you have coverage, you should know about your rights under the health care law, including:

  • Children and young adults can stay on their parents’ plan until age 26
  • Free preventive care, including check-ups and vaccinations
  • Insurance companies can’t set a lifetime cap on what they’ll pay if you get sick
  • Rebates if your insurance company spends less than 80% of premiums on care
  • No more annual caps on what your insurer will pay if you get
  • Insurance companies can’t charge women more than men for coverage

See more information about the health care law, the Affordable Care Act

Issue updates

Blog Post | Public Health

During This Intense Hurricane Season: Some Reports and Information On Storms, Chemicals and Public Safety | Kara Cook-Schultz

Hurricane Harvey was a natural disaster, and a devastating one at that. During and after the hurricane, we learned anew that it’s not only the initial storm that threatens life and limb, but also chemical facilities that are hit.  As Irma bears down on Florida, we hope for the best outcome for the people of Florida. We also want the state to prepare for the worst. In that spirit, here are some resources and information on storms, chemicals and public safety.

> Keep Reading

Statement on P&G’s Consumer Product Fragrance Disclosure Announcement

OSPIRG Foundation applauds consumer product giant Procter & Gamble, the maker of brands like Olay, Old Spice, and Pampers, for its announcement today that it will increase fragrance ingredient transparency in all of its consumer brands.

> Keep Reading
News Release | Public Health, Antibiotics

McDonald’s Changes Meat Supply Guidelines to Stem Spread of Antibiotic-Resistant Bacteria

In response to the health risks posed by antibiotic-resistant bacteria, McDonald’s has announced it is implementing new targets for cutting antibiotic use in the global chicken supply, and plans to expand its commitment to fewer antibiotics in pork and beef.

> Keep Reading
Blog Post | Health Care

Accountability in Action: Rate Review Cuts More Than $100 Million from 2018 Health Insurance Premiums | Jesse Ellis O'Brien

Close scrutiny of proposed health insurance rates for 2018, along with a new state program to contain rate hikes, has cut more than $100 million from premiums for Oregon consumers. This brings the total in premium cut by Oregon’s rate review program to more than $280 million since 2010.

> Keep Reading

Pages

Media Hit | Health Care

Hooray! Few Oregonians receive health insurance rebates

As health insurance companies spread $500 million in rebates to families around the U.S. this summer, Oregonians won’t represent a huge chunk of the recipients. That’s a good thing, argues Jesse Ellis O’Brien, health care advocate at the Oregon State Public Interest Research Group (OSPIRG).

> Keep Reading
Media Hit | Health Care

Oregon slashes 2014 health insurance premium requests by as much as 35 percent

Oregonians who buy their own insurance have the first clear indication of what 2014 premiums will look like after state regulators Tuesday slashed carriers' rate requests by as much as 35 percent.

> Keep Reading
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.

> 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

Pages

Report | OSPIRG Foundation | Health Care

Building a Better Health Care Marketplace: Negotiating for a Better Deal

A well-made state exchange can help deliver lower costs for individuals and small businesses. Just as big businesses negotiate with insurers, using the bargaining power of their employees to push for lower premiums, so too can exchange enrollees benefit from a muscular exchange that negotiates on their behalf for better choices and lower costs.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Building a Better Health Care Marketplace: Ensuring Accountability

The creation of a new health insurance exchange offers states an opportunity to improve health care and lower costs by pooling consumers’ bargaining power, creating economies of scale, and pushing insurers toward delivering lower costs and higher quality.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on Health Net's Rate Increase Proposal

Health Net Health Plan of Oregon is proposing an average 8.27% rate increase on small business plans impacting 37,872 Oregonians, effective April 1, 2011.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Comments on United HealthCare's Proposed Rate Hike

In this rate filing, United HealthCare does not appear to justify the proposed 16.8% increase.

> Keep Reading
Report | OSPIRG Foundation | Health Care

Delivering on the Promise

The recently passed federal health care reform law will make significant changes in how health insurance and health care work for consumers, businesses, and local and state governments, as well as how insurers and providers operate.  But whether Americans experience improved care, lower costs and greater access depends largely on what happens next.

> Keep Reading

Pages

Report | OSPIRG Foundation

The Center for Disease Control (CDC) estimates that 48 million Americans contract a food borne illness yearly with 128,000 people hospitalized and 3,000 dead as a result of these illnesses. 

The food safety system uses two lines of defense to help prevent this threat. First a series of inspections and enforcement measures identify hazardous products before they make it to store shelves and Americans’ plates. Second, when a foodborne pathogen or other threats are still sold for consumption, the recall system attempts to remove the food from store shelves as quickly as possible and alerts consumers about the hazard. While not all illnesses are connected to a source, removing contaminated food from the market helps protect the public.

News Release | OSPIRG

The Oregon House of Representatives passed a bill this Tuesday banning online and other remote sales of vaping products.

Report | OSPIRG Foundation

People living in the United States have access to some of the best medical care in the world, from life-saving drugs to cutting-edge surgical techniques. But our system is deeply flawed, with spiraling costs forcing many Americans to spend more on care and often receiving poor quality care for all the extra money spent.

News Release | OSPIRG

Oregon's Drug Price Transparency Program has released its first annual report.  The progam found that Oregonians, on average, pay five times the highest international price for prescriptions.  

Blog Post

OSPIRG Health Care Advocate Numi Griffith breaks down how health insurance reduced her medical bills by over $16,000 after a climbing accident.

View AllRSS Feed

Support us

Your tax-deductible donation supports OSPIRG Foundation’s work to educate consumers on the issues that matter, and the powerful interests that are blocking progress.

Learn More

You can also support OSPIRG Foundation’s work through bequests, contributions from life insurance or retirement plans, securities contributions and vehicle donations. 




OSPIRG Foundation 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 getting things done.