Oregon Retains $1 Million Reinsurance Cap and 50% Coinsurance Rate for 2027

OR| The Oregon Department of Consumer and Business Services adopted Permanent Administrative Order ID 18-2026, amending OAR 836-150-0020 and 836-150-0040, effective January 1, 2027, to establish Oregon Reinsurance Program payment parameters for the 2027 benefit year and clarify the definition of “benefit year.” For 2027, the attachment point increases from $108,000 to $131,000, while the reinsurance cap remains $1 million and the coinsurance rate remains 50%. The amendments define “benefit year” as the calendar year beginning January 1 and ending December 31 during which a reinsurance-eligible health benefit plan provides coverage, and remove the payment parameters for the 2022 plan year. The order was approved October 6, 2026, and filed October 22, 2026.

Click here to see OR Order ID 18-2026