What's New in Oregon - Week of July 20, 2026

Oregon — To all entities transacting health insurance in Oregon: The Oregon Division of Financial Regulation is reminding all health insurers of guidance issued under Bulletin DFR 2023-2. This does not represent new guidance.

Purpose

The purpose of this message is to reiterate the division's past guidance, which encourages all health insurers to take the following active measures to help people and businesses affected by wildfires and other declared emergencies:

• Health insurers should take all practicable steps, consistent with the terms of the policy, to ensure enrollees are covered without delay for replacement durable medical equipment, prescription drugs, or other medical supplies, such as insulin, that were destroyed as a result of the wildfire or declared emergency, or unavailable to enrollees due to evacuation or displacement.

• Health insurers should grant exceptions from network requirements to ensure that enrollees who seek treatment from out-of-network providers or at an out-of-network facility as a result of the wildfire or declared emergency are not subject to greater cost sharing than would apply at an in-network provider or facility. This includes enrollees who seek care out-of-network while evacuated or displaced from their home and any enrollees who are unable to access an in-network provider due to office or road closures.

• Health insurers should allow more flexibility to medical providers whose practices were destroyed, closed, disconnected from telecommunications services, or otherwise adversely affected by wildfire or other declared emergencies. This includes extending deadlines for providers to submit claims and respond to insurer requests related to outstanding claims, medical management, prior authorization, internal appeals, external review, and any related matters.

• Health insurers should make sure replacement copies of insurance policies, membership cards, and other documents are readily available to its members, including making these materials available electronically whenever possible.

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Oregon — All entities transacting insurance in Oregon: The Oregon Division of Financial Regulation has issued a bulletin regarding Paid Leave Oregon as an “Other Benefit” that reduces Short-Term Disability benefits.

Purpose

This bulletin provides updated guidance on the Division of Financial Regulation’s (DFR) expectations of insurers who write Short Term Disability policies, in light of 2025 legislation (SB 1148) and implementation of the Paid Leave Oregon program. This bulletin replaces current Bulletin No. DFR 2024-8, which was published October 10, 2024.

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Oregon — All carriers offering individual or group health benefit plans in Oregon: The Oregon Division of Financial Regulation has issued a bulletin regarding 2026 Network Adequacy Reporting Requirements for Low-Income Zip Codes and Health Professional Shortage Areas (HPSAs).

Purpose

The purpose of this bulletin is to establish the official low-income zip code and Health Professional Shortage Area (HPSA) lists for the 2026 plan year. OAR 836-053-0310 requires the Division of Financial Regulation to publish these lists annually. Carriers must use these specific data sources to complete annual network adequacy reporting.

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Oregon — All carriers offering individual or group health benefit plans in Oregon: The Oregon Division of Financial Regulation has issued a bulletin regarding the withdraw of insurance bulletins INS 92-5, 98-1, 99-5, 2001-4, 2001-6, 2002-5, 2003-9, 2005-3, 2006-3, 2006-6, 2007-1, 2009-5, 2009-10, and 2013-1.

Purpose

The purpose of this bulletin is to withdraw the following:

92-5: Rate Filing Procedures for Workers' Compensation Insurance

98-1: Reductions of Refinance Escrow Rates to Induce Title Insurance Business

99-5: Addendum to Bulletin INS 97-6 – Life Insurance and Annuity Provisions Relating to Payment of Taxes

2001-4: Voluntary Expedited Filing Procedures for Insurance Applications Developed to Allow Depository Institutions to Meet Their Disclosure Obligations under Section 305 of the Gramm-Leach-Bliley Act

2001-6: Standard Limits of Liability for Oregon Workers' Compensation Policies

2002-5: Sale of Individual Health Benefit Plans in the Small Employer Market

2003-9: Reporting Procedures for House Bills 2987 and 3431

2005-3: Marketing Medicare Prescription Drug Benefits and Medicare Part D

2006-3: Withdrawal of Insurance Division Bulletin INS 2002-7

2006-6: Best Practice Organizations

2007-1: Reporting Requirements for Prompt Payment of Claims Under Requirements of ORS 743.866

2009-5: Corrections

2009-10: House Bill 2116 (2009) and the Health Insurance Premium Assessment

2013-1: Coverage Effective Periods for Non-Grandfathered Individual Health Benefit Plans in Oregon

Click here to review this bulletin: https://bit.ly/45f0kBX