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HB 2564 Oregon House · 2025 Regular Session

Relating to the insurance rate review process.

HB 2564 revises Oregon's insurance rate review process for health benefit plans, directly affecting insurers, consumers, and the Department of Consumer and Business Services. It requires insurers to submit rate filings for small employer and individual health plans with a 30-day public comment period, mandates consumer-friendly summaries, and gives the department authority to approve rates based on actuarial soundness, reasonableness, and administrative cost standards. The bill also ensures identical rates for exchange and non-exchange plans and establishes a clear timeline for preliminary and final decisions. Signed into law in May 2025, it takes effect January 1, 2026.
Issues: ✓ HealthcareSupports HealthcareBill mandates transparent rate reviews, consumer summaries, and department oversight to ensure reasonable health insurance costs, protecting consumers from excessive rate hikes.95% confidence
Bill status signed all 5 stages cleared
Introduction
Jan 2025
Committee Review
May 2025
House Passage
May 2025
Senate Passage
May 2025
Signed into Law
May 2025
Introduced Jan 13, 2025 Signed May 23, 2025
Maddy AI version diff · 2 comparisons

What changed between versions

A-Engrossed → Enrolled · 4 edits · May 23, 2025
MODERATE
This bill finalizes the insurance rate review process by converting the A-Engrossed version to the Enrolled version. The substantive policy changes include adding a requirement for meetings to comply with Oregon's open meeting laws and establishing a 30-day timeline for issuing final orders after preliminary decisions. These changes increase transparency and procedural consistency in how insurance rates are reviewed and approved.
Scope change
The bill's scope remains focused on insurance rate review processes for health benefit plans, with no change to which insurers or plans are covered.
REQUIREMENT

Added requirement that meetings between the department and insurers must comply with Oregon's open meeting laws (ORS 192.610 to 192.705).

Changed terminology from 'preliminary decision' to 'proposed order' and 'proposed final order' for consistency.

TIMELINE

Added a 30-day deadline for the department to issue a final order after issuing a preliminary decision.

TECHNICAL

Removed editorial notes and formatting markers used in the A-Engrossed version.

Floor votes · Senate May 13, 2025 · House Mar 25, 2025

How they voted

29–0
Passed · 1 other
Total votes 30
May 13, 2025
D Democratic18
17 Yea 1
94% Yea
R Republican12
12 Yea
100% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
20
Key actions
7
Committee
4
May 23, 2025
Signed into law
Governor signed.
lower
May 15, 2025
Upper · Passed
President signed.
upper
May 14, 2025
Lower · Passed
Speaker signed.
lower
May 13, 2025
Upper · Passed
Third reading. Carried by Reynolds. Passed.
upper
May 7, 2025
Upper · Passed
Recommendation: Do pass the A-Eng. bill.
upper
Mar 27, 2025
Committee
Referred to Health Care.
upper
Mar 27, 2025
Introduced
First reading. Referred to President's desk.
upper
Mar 25, 2025
Lower · Passed
Third reading. Carried by Nosse. Passed.
lower
Mar 21, 2025
Lower · Passed
Recommendation: Do pass with amendments and be printed A-Engrossed.
lower
Jan 17, 2025
Committee
Referred to Behavioral Health and Health Care.
lower
Jan 13, 2025
Introduced
First reading. Referred to Speaker's desk.
lower
0 primary · 0 co-sponsors

Sponsors

No sponsor information available.