ORS § 732.680 — OR Code / Title 56 / Chapter 732 / Section 732.680
732.680 Submission of corporate governance annual disclosure
Status: in_force

(1) An insurer, or the insurance group of which an insurer is a member, each year in accordance with a schedule the Director of the Department of Consumer and Business Services establishes in consultation with the insurer or insurance group, shall submit to the director or to the chief insurance regulatory official in the state that the director determines is the lead state for the insurance group, a corporate governance annual disclosure that has the information described in ORS 732.683 (Discretion as to form and content of responses to inquiries in corporate governance annual disclosure) . The director shall determine the lead state in accordance with procedures that the director adopts by rule after considering procedures that are set forth in a financial analysis handbook that the National Association of Insurance Commissioners has adopted. An insurer or a member of an insurance group that is not subject to the requirement under this subsection to submit a disclosure shall nevertheless submit the disclosure at the director’s request.

(2) The chief executive officer or corporate secretary of an insurer or insurance group shall sign the corporate governance annual disclosure and attest that to the best of the officer’s or secretary’s belief and knowledge the insurer or insurance group has implemented the corporate governance practices identified in the disclosure and that the insurer’s or insurance group’s board of directors, or an appropriate committee of the board of directors, has received a copy of the disclosure.

(3) Intentionally left blank —Ed.

(a) An insurer or insurance group that submits a corporate governance annual disclosure under subsection (1) of this section may provide information in the disclosure:

(A) At the level of the individual legal entity, an intermediate holding company or the controlling parent company, depending on how the insurer or insurance group has structured corporate governance;

(B) At the level at which the insurer or insurance group determines the extent to which the insurer or insurance group will accept risk;

(C) At the level at which the insurer or insurance group collectively oversees or coordinates and exercises supervision over the insurer’s or insurance group’s earnings, capital, liquidity operations and reputation; or

(D) At the level at which legal liability for failing in the duties of general corporate governance would occur.

(b) An insurer or insurance group that determines the level at which the insurer or insurance group provides information in the corporate governance annual disclosure under paragraph (a)(B), (C) or (D) of this subsection shall indicate which criteria the insurer or insurance group used for the disclosure and explain any subsequent changes in the level at which the disclosure occurs.

(4) If the director has determined a lead state in accordance with the procedures set forth in the financial analysis handbook described in subsection (1) of this section, an appropriate official in the lead state shall review the corporate governance annual disclosure and request any other information necessary for the review.

(5) An insurer or insurance group that provides information that is substantially similar to the information required under this section or ORS 732.683 (Discretion as to form and content of responses to inquiries in corporate governance annual disclosure) in other documents that the insurer or insurance group submits to the director, including proxy statements in conjunction with Form B requirements or other state or federal filings, need not duplicate the information in the corporate governance annual disclosure, but must include in the documents the insurer or insurance group submits to the director a cross-reference to documents that have the required information. [2017 c.479 §5]

Note: See note under 732.650 (Definitions) .

Source: Section 732.680 — Submission of corporate governance annual disclosure; determination of lead state; signature and attestation; level of disclosure permitted; review; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 744.331 — OR Code / Title 56 / Chapter 744 / Section 744.331
744.331 Expiration of license
Status: in_force

(1) A license issued under ORS 744.328 (Issuance of license) expires on its expiration date unless it is renewed on or before its expiration date.

(2) Unless the Director of the Department of Consumer and Business Services designates another date, a license expires on the last day of the month in which the second anniversary of the initial issuance date of the license occurs, and on the second anniversary following each renewal.

(3) The director by rule may establish requirements for renewing licenses. [1995 c.342 §7]

Source: Section 744.331 — Expiration of license; rules for renewal , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 743a.024 — OR Code / Title 56 / Chapter 743a / Section 743a.024
743A.024 Services provided by clinical social worker
Status: in_force

Whenever any individual or group health insurance policy or blanket health insurance policy described in ORS 743.536 (“Blanket health insurance” defined) (3) provides for payment or reimbursement for any service within the lawful scope of service of a clinical social worker licensed under ORS 675.530 (License) :

(1) The insured under the policy shall be entitled to the services of a clinical social worker licensed under ORS 675.530 (License) , upon referral by a physician or psychologist.

(2) The insured under the policy shall be entitled to have payment or reimbursement made to the insured or on behalf of the insured for the services performed. The payment or reimbursement shall be in accordance with the benefits provided in the policy and shall be computed in the same manner whether performed by a physician, by a psychologist or by a clinical social worker, according to the customary and usual fee of clinical social workers in the area served. [Formerly 743.714; 2009 c.442 §46]

Source: Section 743A.024 — Services provided by clinical social worker , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743A.­html (accessed May 26, 2025).
ORS § 742.240 — OR Code / Title 56 / Chapter 742 / Section 742.240
742.240 Suit on policy
Status: in_force

A fire insurance policy shall contain a provision as follows:

“No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equity unless all the requirements of this policy shall have been complied with, and unless commenced within 24 months next after inception of the loss.” [Formerly 743.660; 1991 c.437 §1]

Source: Section 742.240 — Suit on policy , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 734.110 — OR Code / Title 56 / Chapter 734 / Section 734.110
734.110 Jurisdiction of delinquency proceedings
Status: in_force

(1) The circuit court shall have original jurisdiction of delinquency proceedings under this chapter, and any court with jurisdiction is authorized to make all necessary or proper orders to carry out the purposes of this chapter.

(2) The venue of delinquency proceedings and proceedings under ORS 734.059 (Request for court order) and 734.063 (Court order) against a domestic insurer and the venue of delinquency proceedings against foreign and alien insurers shall be in the Circuit Court for Marion County.

(3) At any time after the commencement of a delinquency proceeding or a proceeding under ORS 734.059 (Request for court order) and 734.063 (Court order) the court may issue an order changing the venue of the proceeding on motion of the Director of the Department of Consumer and Business Services or other interested person if the court finds the proceedings may be more economically and efficiently conducted thereby. [1967 c.359 §265; 1989 c.425 §13]

Source: Section 734.110 — Jurisdiction of delinquency proceedings; venue , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 743.354 — OR Code / Title 56 / Chapter 743 / Section 743.354
743.354 Requirements for certain group life policies issued to trustees of certain funds
Status: in_force

(1) An insurer shall not offer in this state a policy of group life insurance that is described in this section and insures persons in this state, or shall not offer coverage under such a policy, whether the policy is to be issued in this or another state, unless the Director of the Department of Consumer and Business Services determines that the requirements of subsections (2) and (3) of this section are satisfied. This section applies to a policy to be issued to the trustees of a fund established for:

(a) Two or more employers in the same or related industry;

(b) One or more labor unions;

(c) One or more employers and one or more labor unions; or

(d) An association determined by the director to satisfy the requirements of ORS 743.351 (Eligibility of association to be group life policyholder) (1).

(2) A policy of group life insurance shall provide coverage for the benefit of employees of the employers, members of the unions or members of the association. The policy may include as employees the officers and managers of the employer, and the individual proprietor or partners if the employer is an individual proprietor or a partnership. In addition to such employees, the policy may also insure retired employees and the trustees or their employees, or both, if their duties are principally connected with the trust.

(3) The director shall determine with respect to a policy whether the trustees are the policyholder. If the director determines that the trustees are the policyholder and if the policy is issued or proposed to be issued in this state, the policy is subject to the Insurance Code. If the director determines that the trustees are not the policyholder, the evidence of coverage that is issued or proposed to be issued in this state to a participating employer, labor union or association shall be deemed to be a group life insurance policy subject to the Insurance Code. For purposes of this section, the director may determine that the trustees are not the policyholder if:

(a) The evidence of coverage issued or proposed to be issued to a participating employer, labor union or association is in fact the primary statement of coverage for the employer, labor union or association; and

(b) The trust arrangement is under the actual control of the insurer.

(4) An insurer shall submit evidence to the director showing that the requirements of subsections (2) and (3) of this section are satisfied. The director shall review the evidence and may request additional evidence as needed.

(5) An insurer shall submit to the director any changes in the evidence submitted under subsection (4) of this section.

(6) The director may adopt rules to carry out this section. [1989 c.784 §8]

Source: Section 743.354 — Requirements for certain group life policies issued to trustees of certain funds; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 750.317 — OR Code / Title 56 / Chapter 750 / Section 750.317
750.317 Board of trustees
Status: in_force

(1) The powers of a multiple employer welfare arrangement, except as otherwise provided, must be exercised by a board of trustees chosen to carry out the purposes of the trust agreement. At least 50 percent of the trustees shall be persons who are covered under the multiple employer welfare arrangement. A trustee may not be an owner, officer or employee of a third party administrator who is licensed pursuant to ORS 744.700 (Definitions for ORS 744.700 to 744.740) to 744.740 (Responsibility of insurer using third party administrator) and provides services to a multiple employer welfare arrangement.

(2) The trustees must give the attention and must exercise the vigilance, diligence, care and skill that prudent persons use in like or similar circumstances. Trustees are responsible for all operations of the multiple employer welfare arrangement and must take all necessary precautions to safeguard its assets. [1993 c.615 §10]

Note: See note under 750.301 (Definitions for ORS 750.301 to 750.341) .

Source: Section 750.317 — Board of trustees , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 732.622 — OR Code / Title 56 / Chapter 732 / Section 732.622
732.622 Restructuring of mutual holding company
Status: in_force

(1) A mutual holding company may restructure to a stock holding company in accordance with a plan of restructuring. The restructuring may include the continuation or organization of one or more corporations that become direct or indirect subsidiaries of the restructured stock holding company in accordance with the plan of restructuring.

(2) In order to restructure a mutual holding company, the board of directors of the mutual holding company must adopt a plan as provided in this section.

(3) A plan of restructuring must include the following:

(a) A statement of the reasons for the proposed action.

(b) The proposed articles of incorporation and bylaws of the restructured stock holding company, the proposed articles of incorporation and bylaws of any other corporation to be organized pursuant to the plan and the proposed amendments to or restatement of the articles of incorporation and bylaws of any other existing corporation included in the plan.

(c) A description of how the plan will be carried out, including, but not limited to, any merger, transfer, assumption, exchange, acquisition, contribution or other transaction included within the plan, and a description of the restructured stock holding company and any other corporation organized pursuant to the plan.

(d) A description of all significant terms of the restructuring.

(e) A description of the overall effect of the plan on policies issued by any insurer that is a direct or indirect subsidiary of the restructuring mutual holding company. The description must show that policyholder interests collectively are properly preserved and protected and that the plan is fair and equitable to the policyholders.

(f) A statement of the manner and method by which membership interests in the restructuring mutual holding company will be extinguished and consideration will be provided to the eligible members.

(g) The record date for determining whether a member of the restructuring mutual holding company is an eligible member.

(h) The proposed effective date of the restructuring or the manner in which the proposed effective date of the restructuring is established.

(i) Except as otherwise provided in ORS 732.624 (Approval by Director of Department of Consumer and Business Services of mutual holding company restructuring plan) , the valuation of the restructuring mutual holding company immediately before the effective date of the restructuring.

(j) A description of the significant terms of any offering of shares of capital stock or other securities of an issuer.

(k) The intention, if any, that a director or officer of the restructuring mutual holding company, any direct or indirect subsidiary of the restructuring mutual holding company or any other corporation organized pursuant to the plan may, within the six-month period following the effective date of the restructuring, purchase or acquire shares of capital stock or other securities of an issuer to be issued pursuant to the plan.

(4) After the board of directors of a mutual holding company has adopted a plan and before the board of directors seeks approval of the plan by the eligible members of the mutual holding company, the mutual holding company shall file the following documents with the Director of the Department of Consumer and Business Services:

(a) The plan of restructuring.

(b) The form of notice of the meeting at which the eligible members vote on the plan.

(c) The form of any proxies to be solicited from the eligible members. Proxies must offer the eligible members the option of voting in favor or voting against the plan or abstaining.

(d) Information required by ORS 732.523 (Procedure for acquiring controlling interest of capital stock) .

(e) Other information or documentation required by the director. [1997 c.771 §11]

Source: Section 732.622 — Restructuring of mutual holding company , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 743.787 — OR Code / Title 56 / Chapter 743 / Section 743.787
743.787 Definitions for ORS 743.788
Status: in_force

As used in ORS 743.788 (Prescription drug identification card) :

(1) “Carrier” has the meaning given that term in ORS 743B.005 (Definitions) .

(2) “Enrollee” has the meaning given that term in ORS 743B.005 (Definitions) .

(3) “Health benefit plan” has the meaning given that term in ORS 743B.005 (Definitions) . [2001 c.549 §2]

Source: Section 743.787 — Definitions for ORS 743.788 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 731.268 — OR Code / Title 56 / Chapter 731 / Section 731.268
731.268 Use of reproductions and certified copies as evidence
Status: in_force

(1) Photographs or microphotographs in the form of film or prints of documents and records made by the Director of the Department of Consumer and Business Services for the files of the director shall have the same force and effect as the originals thereof, and duly certified or authenticated reproductions of such photographs or microphotographs shall be as admissible in evidence as are the originals.

(2) Upon request of any person and payment of the applicable fee, the director shall furnish a certified copy of any record in the office of the director which is then subject to public inspection.

(3) Copies of original records or documents in the office of the director certified by the director shall have the same force and effect and be received in evidence in all courts equally and in like manner as if they were originals. [1967 c.359 §60]

Source: Section 731.268 — Use of reproductions and certified copies as evidence; fee , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 743.053 — OR Code / Title 56 / Chapter 743 / Section 743.053
743.053 Prohibition on requirement that death or dismemberment occur in less than 180 days after accident
Status: in_force

A life insurance policy or health insurance policy, whether group or individual, that contains provisions providing benefits in case of death or dismemberment by accident shall not require that the death or dismemberment occur less than 180 days after the date of the accident in order for benefits to be paid under the policy. [1991 c.182 §8]

Source: Section 743.053 — Prohibition on requirement that death or dismemberment occur in less than 180 days after accident , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 731.288 — OR Code / Title 56 / Chapter 731 / Section 731.288
731.288 Recording complaints
Status: in_force

The Department of Consumer and Business Services shall record each complaint the department receives, including the subsequent disposition of the complaint. The record of a complaint shall be maintained for a period of not less than seven years. The records of complaints shall be indexed whenever applicable both by the name of the insurer and by the name of the insurance producer involved. The Director of the Department of Consumer and Business Services shall consider such complaints before issuing or continuing any certificate of authority or license of an insurer or insurance producer named in such complaints. [Formerly 736.580; 2003 c.364 §66; 2003 c.802 §168]

Source: Section 731.288 — Recording complaints; director to consider complaints before issuing licenses , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 737.390 — OR Code / Title 56 / Chapter 737 / Section 737.390
737.390 Regulation of joint underwriting and joint reinsurance
Status: in_force

No group, association or other organization of insurers which engages in joint underwriting or joint reinsurance shall engage in any activity which is unfair, unreasonable or otherwise inconsistent with the provisions of this chapter. [Amended by 1967 c.359 §326; 1969 c.690 §22]

Source: Section 737.390 — Regulation of joint underwriting and joint reinsurance , https://www.­oregonlegislature.­gov/bills_laws/ors/ors737.­html (accessed May 26, 2025).
ORS § 734.780 — OR Code / Title 56 / Chapter 734 / Section 734.780
734.780 Construction
Status: in_force

ORS 734.750 (Short title) to 734.890 (Association not to be used in sales or solicitation) shall be liberally construed to effect the purpose provided in ORS 734.770 (Purpose) . [1975 c.251 §5]

Source: Section 734.780 — Construction , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 742.248 — OR Code / Title 56 / Chapter 742 / Section 742.248
742.248 Mutual fire insurers policyholders’ liability
Status: in_force

(1) Each person accepting a policy in a mutual fire insurer thereby becomes a member of the insurer and liable for a proportionate share of losses and operating expenses.

(2) Any person or persons holding property in trust may insure the same in a mutual fire insurer, and as such trustee assume the liabilities and be entitled to the rights of a member, but shall not be personally liable upon such insurance policy.

(3) A mutual fire insurer may fix the contingent and mutual liability of its members for payment of losses and expenses by a uniform rule set forth in its bylaws and policies. Such mutual liability shall not be less than twice the amount of the usual advance assessment written in the policy.

(4) A mutual fire insurer that received a certificate of authority prior to September 2, 1963, and has accumulated in the regular course of business assets of not less than $200,000, of which not less than $100,000 is surplus determined as provided in the Insurance Code, may while in that condition and subject to the approval of the Director of the Department of Consumer and Business Services adopt bylaws limiting the liability of its policyholders to the premium specified in its policies. The power to issue policies with such limitation of liability continues only during the time the insurer is in such financial condition.

(5) A mutual fire insurer that received a certificate of authority after September 2, 1963, and has $500,000 in surplus determined as provided in the Insurance Code, may while in that condition and subject to the approval of the director adopt bylaws limiting the liability of its policyholders to the premium specified in its policies. The power to issue policies with such limitation of liability continues only during the time the insurer is in such financial condition.

(6) Every mutual fire insurer which has not limited the liability of its policyholders in accordance with subsections (4) and (5) of this section must print upon its policies such bylaws as will define the liability of a policyholder in addition to the statement required by ORS 742.036 (Assessment policies, special contents) . [Formerly 744.430 and then 743.672]

Source: Section 742.248 — Mutual fire insurers policyholders’ liability; nonassessable policies , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 742.152 — OR Code / Title 56 / Chapter 742 / Section 742.152
742.152 Limitations on applicability of ORS 742.150
Status: in_force

ORS 742.150 (Approval by director) does not apply to any of the following:

(1) A reinsurance agreement or transaction in which the ceding insurer remains directly liable for its insurance obligations or risks under the policies that are subject to the reinsurance agreement.

(2) The substitution of one insurer for another upon the expiration of insurance coverage pursuant to statutory or contractual requirements and the issuance of a new policy by another insurer.

(3) The transfer of policies pursuant to a merger or consolidation of two or more insurers to the extent that the merger or consolidation is regulated by statute.

(4) An insurer that is subject to a judicial order of liquidation or rehabilitation.

(5) Any reinsurance agreement or transaction to which a state insurance guaranty association is a party, but only if policyholders do not lose any rights or claims afforded under their original policies pursuant to ORS 734.510 (Definitions for ORS 734.510 to 734.710) to 734.710 (Administration of delinquency proceeding claims and expenses) or 734.750 (Short title) to 734.890 (Association not to be used in sales or solicitation) .

(6) The transfer of liabilities from one insurer to another under a single group policy upon the request of the group policyholder.

(7) A plan of conversion or reorganization to which ORS 732.600 (Definitions for ORS 732.600 to 732.630) to 732.630 (Dissenters’ rights) apply. [1995 c.30 §3; 1997 c.771 §23]

Source: Section 742.152 — Limitations on applicability of ORS 742.150 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 742.700 — OR Code / Title 56 / Chapter 742 / Section 742.700
742.700 Definitions for ORS 742.700 to 742.710
Status: in_force

As used in ORS 742.700 (Definitions for ORS 742.700 to 742.710) to 742.710 (Exemptions from provisions of ORS 742.700 to 742.708) :

(1) “Cancellation” means termination of a policy at a date other than its expiration date.

(2) “Expiration date” means the date upon which coverage under a policy ends. For a policy written for a term longer than one year or with no fixed expiration date, “expiration date” means the annual anniversary date of the policy.

(3) “Nonpayment of premium” means the failure or inability of the named insured to discharge any obligation in connection with the payment of premium on a policy of insurance subject to ORS 742.700 (Definitions for ORS 742.700 to 742.710) to 742.710 (Exemptions from provisions of ORS 742.700 to 742.708) , whether the payments are payable directly to the insurer or an insurance producer who is its agent or indirectly payable under a premium finance plan or extension of credit.

(4) “Nonrenewal” means the refusal of an insurer to renew a policy at its expiration date.

(5) “Renewal” or “renew” means the issuance of, or the offer to issue by an insurer, a policy succeeding a policy previously issued and delivered by the same insurer or the issuance of a certificate or notice extending the terms of an existing policy for a specified period beyond its expiration date. [Formerly 743.940; 2003 c.364 §104]

Source: Section 742.700 — Definitions for ORS 742.700 to 742.710 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 746.665 — OR Code / Title 56 / Chapter 746 / Section 746.665
746.665 Limitations and conditions on disclosure of certain information
Status: in_force

(1) A licensee or insurance-support organization may not disclose any personal or privileged information about an individual collected or received in connection with an insurance transaction unless the disclosure meets one or more of the following conditions:

(a) Is with the written authorization of the individual, and:

(A) If the authorization is submitted by another licensee or insurance-support organization, the authorization meets the requirements of ORS 746.630 (Authorization for disclosure of certain information) ; or

(B) If the authorization is submitted by a person other than a licensee or insurance-support organization, the authorization is:

(i) Dated;

(ii) Signed by the individual; and

(iii) Obtained one year or less prior to the date a disclosure is sought pursuant to this subsection.

(b) Is to a person other than a licensee or insurance-support organization, if the disclosure is reasonably necessary to enable the person to:

(A) Perform a business, professional or insurance function for the disclosing licensee or insurance-support organization and the person agrees not to disclose the information further without the individual’s written authorization unless the further disclosure:

(i) Would otherwise be permitted by this section if made by a licensee or insurance-support organization; or

(ii) Is reasonably necessary for the person to perform its function for the disclosing licensee or insurance-support organization; or

(B) Provide information to the disclosing licensee or insurance-support organization for the purpose of:

(i) Determining an individual’s eligibility for an insurance benefit or payment; or

(ii) Detecting or preventing criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction.

(c) Is to a licensee, insurance-support organization or self-insurer, if the information disclosed is limited to that which is reasonably necessary:

(A) To detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with insurance transactions; or

(B) For either the disclosing or receiving licensee or insurance-support organization to perform its function in connection with an insurance transaction involving the individual.

(d) Is to a health care provider and discloses only such information as is reasonably necessary to accomplish one or more of the following purposes:

(A) Verifying insurance coverage or benefits.

(B) Informing an individual of a medical problem of which the individual may not be aware.

(C) Conducting an operations or services audit.

(e) Is to an insurance regulatory authority.

(f) Is to a law enforcement or other governmental authority:

(A) To protect the interests of the licensee or insurance-support organization in preventing or prosecuting the perpetration of fraud upon it; or

(B) If the licensee or insurance-support organization reasonably believes that illegal activities have been conducted by the individual.

(g) Is otherwise permitted or required by law.

(h) Is in response to a facially valid administrative or judicial order, including a search warrant or subpoena.

(i) Is made for the purpose of conducting actuarial or research studies, if:

(A) No individual may be identified in any resulting actuarial or research report;

(B) Materials allowing the individual to be identified are returned or destroyed as soon as they are no longer needed; and

(C) The actuarial or research organization agrees not to disclose the information unless the disclosure would otherwise be permitted by this section if made by a licensee or insurance-support organization.

(j) Is to a party or a representative of a party to a proposed or consummated sale, transfer, merger or consolidation of all or part of the business of the licensee or insurance-support organization, if:

(A) Prior to the consummation of the sale, transfer, merger or consolidation only such information is disclosed as is reasonably necessary to enable the recipient to make business decisions about the purchase, transfer, merger or consolidation; and

(B) The recipient agrees not to disclose the information unless the disclosure would otherwise be permitted by this section if made by a licensee or insurance-support organization.

(k) Is to a nonaffiliated third party whose only use of the information will be in connection with the marketing of a product or service, if all of the following conditions are met:

(A) No privileged information or personal information is disclosed, and no classification derived from such information may be disclosed.

(B) The individual must have been given the notice described in ORS 746.620 (Notice of insurance information practices) and an opportunity to indicate that the individual does not want personal information disclosed for marketing purposes and must have given no indication that the individual does not want the information disclosed. The individual need not have been given the opportunity described in this subparagraph if the disclosure is made pursuant to a joint marketing agreement. As used in this subparagraph, “joint marketing agreement” means a formal written contract pursuant to which an insurer jointly offers, endorses or sponsors a financial product or service with a financial institution. When the opportunity is required, the statement that offers the opportunity must state that the insurer may disclose personal information to nonaffiliates and that the individual has a right to indicate that the individual does not want personal information disclosed for marketing purposes, and must describe the method for exercising that right. The statement must be in writing but may be in an electronic form if the individual agrees. The individual who is given the opportunity must be provided a reasonable time to exercise the opportunity. An individual may exercise the opportunity at any time. A statement by an individual barring disclosure of personal information remains effective until the individual who made the statement revokes the statement in writing or, if the individual agrees, in electronic form.

(C) The person receiving the information must agree not to use it except in connection with the marketing of a product or service.

(L) Is to an affiliate whose only use of the information will be in connection with an audit of the licensee or the marketing of a financial product or service, and the affiliate agrees not to disclose the information for any other purpose or to unaffiliated persons. This paragraph does not apply to the disclosure of individually identifiable health information for the purpose of marketing a financial product or service.

(m) Is by a consumer reporting agency, and the disclosure is to a person other than a licensee.

(n) Is to a group policyholder for the purpose of reporting claims experience or conducting an audit of the licensee’s operations or services, and the information disclosed is reasonably necessary for the group policyholder to conduct the review or audit.

(o) Is to a professional peer review organization for the purpose of reviewing the service or conduct of a health care provider.

(p) Is to a governmental authority for the purpose of determining the individual’s eligibility for health benefits for which the governmental authority may be liable.

(q) Is to a policyholder or certificate holder for the purpose of providing information regarding the status of an insurance transaction.

(2) Personal or privileged information may be acquired by a group practice prepayment health care service contractor from providers which contract with the contractor and may be transferred among providers which contract with the contractor for the purpose of administering plans offered by the contractor. The information may not be disclosed otherwise by the contractor except in accordance with ORS 746.600 (Definitions for ORS 746.600 to 746.690) to 746.690 (Obtaining information under false pretenses prohibited) . [1981 c.649 §15; 1987 c.490 §53; 2001 c.377 §28; 2003 c.87 §14]

Source: Section 746.665 — Limitations and conditions on disclosure of certain information , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 746.217 — OR Code / Title 56 / Chapter 746 / Section 746.217
746.217 Disclosures to customers
Status: in_force

(1) A depository institution that sells insurance, and any person that sells insurance on behalf of a depository institution, or on the premises of a depository institution where the depository institution is engaged in the business of taking deposits or making loans, shall disclose to the customer in writing, when practicable and in a clear and conspicuous manner, prior to a sale, that the insurance:

(a) Is not a deposit;

(b) Is not insured by the Federal Deposit Insurance Corporation or any other federal government agency;

(c) Is not guaranteed by the depository institution or an affiliate of the depository institution if applicable, or any person that is selling insurance if applicable; and

(d) When appropriate, involves investment risk, including the possible loss of value.

(2) The requirements of subsection (1) of this section apply:

(a) To an affiliate of a depository institution only to the extent that it sells insurance on the premises of a depository institution where the depository institution is engaged in the business of taking deposits or making loans or on behalf of a depository institution.

(b) When an individual purchases insurance primarily for personal, family or household purposes and only to the extent that the disclosure would be accurate.

(3) For the purpose of subsection (1) of this section, a person is selling insurance on behalf of a depository institution, whether on the premises of the depository institution or at another location, if either one of the following applies:

(a) The person represents to the customer that the sale of the insurance is by or on behalf of the depository institution; or

(b) The depository institution refers a customer to the person that sells insurance and the depository institution has a contractual arrangement to receive commissions or fees derived from the sale of insurance resulting from the referral. [2003 c.363 §4]

Note: See note under 746.213 (Definitions for ORS 746.213 to 746.219) .

Source: Section 746.217 — Disclosures to customers , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 742.273 — OR Code / Title 56 / Chapter 742 / Section 742.273
742.273 Property losses in locations subject to declarations of emergency
Status: in_force

If a loss covered under a policy of homeowner insurance, as defined in ORS 746.600 (Definitions for ORS 746.600 to 746.690) , occurs in a location that was subject to a declaration of emergency under ORS 401.165 (Declaration of state of emergency) and the loss is directly related to the emergency that was the subject of the declaration, the policy of homeowner insurance must require the insurer to combine coverage limits that apply to claims for a loss of the insured’s primary dwelling and claims for a loss of other covered structures if the coverage limit that applies to the insured’s primary dwelling is insufficient to pay for rebuilding or replacing the primary dwelling. The amount an insurer pays under the total combined coverage limits may not exceed the amount that would be necessary to repair the actual damage to, or replace, as appropriate, the insured’s primary dwelling. The insurer shall pay in accordance with the terms of the policy of homeowner insurance the amount of any claim for a loss other than damage to the insured’s primary dwelling. [2021 c.262 §3]

Source: Section 742.273 — Property losses in locations subject to declarations of emergency; required provisions of homeowner insurance policy; limits on payments , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 737.604 — OR Code / Title 56 / Chapter 737 / Section 737.604
737.604 Rules
Status: in_force

In addition to other rulemaking authority of the Director of the Department of Consumer and Business Services, the director may make rules:

(1) Stating the necessary attributes that a construction project of a project sponsor and the participants in the project must have in order to qualify for the grouping permitted under ORS 737.602 (Authorization for insurance for certain projects) . The rules may include but are not limited to matters regarding an appropriate trust agreement for special deposit and adjustment of the construction project value according to an appropriate cost index; and

(2) Establishing a process for a state agency or local contract review board created under ORS 279A.060 (Local contract review boards) to evaluate the purchase by a public body of insurance authorized by ORS 737.602 (Authorization for insurance for certain projects) , or any agreements related thereto. [1995 c.169 §3; 2003 c.794 §327]

Note: 737.604 (Rules) was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 737 or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 737.604 — Rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors737.­html (accessed May 26, 2025).
ORS § 744.860 — OR Code / Title 56 / Chapter 744 / Section 744.860
744.860 Definitions for ORS 744.860 to 744.870
Status: in_force

As used in ORS 744.860 (Definitions for ORS 744.860 to 744.870) to 744.870 (Compensation, bonuses and incentives) :

(1) “Insurer” means an insurer, a surplus lines insurer or an insurance producer.

(2) “Licensee” means an owner that receives a limited license to sell insurance in accordance with ORS 744.860 (Definitions for ORS 744.860 to 744.870) to 744.870 (Compensation, bonuses and incentives) .

(3) “Occupant” has the meaning given that term in ORS 87.685 (Definitions for ORS 87.685 to 87.695) .

(4) “Owner” has the meaning given that term in ORS 87.685 (Definitions for ORS 87.685 to 87.695) .

(5) “Personal property” means movable property that is not affixed to land, examples of which are goods, merchandise, household items and furnishings, motor vehicles, watercraft and other vehicles, motorized or not.

(6) “Self-service storage facility” has the meaning given that term in ORS 87.685 (Definitions for ORS 87.685 to 87.695) . [2013 c.280 §2]

Source: Section 744.860 — Definitions for ORS 744.860 to 744.870 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 735.533 — OR Code / Title 56 / Chapter 735 / Section 735.533
735.533 Denial, suspension or revocation of registration as pharmacy benefit manager
Status: in_force

(1) In accordance with ORS chapter 183, the Department of Consumer and Business Services may deny an application for registration as a pharmacy benefit manager or an application for renewal of a registration as a pharmacy benefit manager, and may suspend or revoke a registration as a pharmacy benefit manager, if the department finds that an applicant or registrant:

(a) Falsified an application for registration or for the renewal of a registration or engaged in any dishonest act in relation to the application;

(b) Engaged in dishonesty, fraud or gross negligence in the conduct of business as a pharmacy benefit manager;

(c) Engaged in conduct that resulted in a conviction of a felony under the laws of any state or of the United States, to the extent that such conduct may be considered under ORS 670.280 (Denial, suspension or revocation of license based on criminal conviction) ;

(d) Was convicted under the laws of any state or of the United States of any crime of which an essential element is dishonesty or fraud;

(e) Had a certificate of authority or authority to conduct business as a pharmacy benefit manager denied, revoked or suspended in another state;

(f) Failed to pay a civil penalty imposed by final order of the department or to comply with the terms of suspension set by the department;

(g) Failed to meet the terms of a consent decree approved by a court of competent jurisdiction in this state, or a consent order made between the department and the pharmacy benefit manager;

(h) Refused to be examined or to produce accounts, records or files for examination, including the refusal by any officer of the applicant or registrant to give information with respect to the affairs of the pharmacy benefit manager, or refused to perform any other legal obligation with respect to an examination by the department; or

(i) Violated any rule or order of the department or any provision of the Insurance Code.

(2) The department may prescribe by rule a procedure by which a pharmacy or an entity acting on behalf of a pharmacy may file a complaint with the department alleging that a pharmacy benefit manager has engaged in conduct described in this section. The department may restrict the right of a pharmacy or entity to file a complaint only to the extent necessary to prevent abuse of the complaint process. [2017 c.73 §2]

Note: See note under 735.530 (Definitions for ORS 735.530 to 735.552) .

Source: Section 735.533 — Denial, suspension or revocation of registration as pharmacy benefit manager; basis; complaint; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 744.502 — OR Code / Title 56 / Chapter 744 / Section 744.502
744.502 Definitions
Status: in_force

As used in ORS 744.502 (Definitions) to 744.584 (Prohibited conduct) :

(1) “Adjuster” means a person that receives a fee, a commission or other compensation to investigate, negotiate or settle first party or third party losses that arise as claims under the terms of an insurance contract that insures a domestic risk.

(2) “Business entity” means a corporation, limited liability company, partnership, limited liability partnership, association or other legal entity that is incorporated, organized or authorized to engage in business in this state.

(3) “Catastrophe” means an event that the Governor declares as having resulted, in a particular district, county, region or area of this state, in:

(a) A large number of injuries or deaths;

(b) Extensive damage to or destruction of facilities that provide for and sustain human needs;

(c) An overwhelming demand on state and local resources for meeting human needs, responding to injuries or deaths, repairing or reconstructing facilities or otherwise assisting victims of the event;

(d) A severe, long-term effect on general economic activity within this state; or

(e) A severe effect on state, local and private capabilities to respond to the event.

(4) “Designated home state” means a state, district or territory of the United States that a nonresident applicant designates as a home state and in which the nonresident applicant is licensed as if the nonresident applicant was a resident adjuster despite not residing in or maintaining a principal place of business in the state, district or territory.

(5) “Home state” means a state, district or territory of the United States in which an adjuster resides or a state, district or territory of the United States from which a person obtained a license to engage in business as an adjuster and in which the person maintains a principal place of business.

(6) “Licensee” means a person that holds a valid and unexpired license to engage in business as an adjuster that the person obtained under ORS 744.521 (Powers of director to issue, renew, amend, suspend and reinstate licenses) .

(7) “Person” means an individual or a business entity.

(8) “Resident” means a licensee that resides or maintains a principal place of business in this state. [2019 c.151 §4]

Source: Section 744.502 — Definitions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 732.175 — OR Code / Title 56 / Chapter 732 / Section 732.175
732.175 Liability for acting as corporate insurer without authority
Status: in_force

Any person who assumes to act as a corporate insurer without a permit to organize and without the issuance of a certificate of incorporation by the Director of the Department of Consumer and Business Services or who assumes to transact insurance business without a certificate of authority to transact such business issued by the director shall be jointly and severally liable for all liabilities created while so acting. [1967 c.359 §163; 1981 c.633 §80; 1987 c.846 §5]

Source: Section 732.175 — Liability for acting as corporate insurer without authority , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 731.292 — OR Code / Title 56 / Chapter 731 / Section 731.292
731.292 Disposition of fees, charges, taxes, penalties and other moneys
Status: in_force

(1) Except as provided in subsections (2), (3) and (4) of this section, all fees, charges and other moneys received by the Department of Consumer and Business Services or the Director of the Department of Consumer and Business Services under the Insurance Code shall be deposited in the fund created by ORS 705.145 (Consumer and Business Services Fund) and are continuously appropriated to the department for the payment of the expenses of the department in carrying out the Insurance Code.

(2) All taxes and penalties paid pursuant to the Insurance Code shall be paid to the director and after deductions of refunds shall be paid by the director to the State Treasurer, at the end of every calendar month or more often in the director’s discretion, for deposit in the General Fund to become available for general governmental expenses.

(3) All premium taxes received by the director pursuant to ORS 731.820 (Gross premium tax on fire insurance premiums) shall be paid by the director to the State Treasurer for deposit in the State Fire Marshal Fund.

(4) Assessments received by the department under sections 3 and 5, chapter 538, Oregon Laws 2017, and penalties received by the department under section 6, chapter 538, Oregon Laws 2017, shall be paid into the State Treasury and credited to the Health System Fund established under section 2, chapter 538, Oregon Laws 2017. [Formerly 736.525; 1981 c.652 §3; 1982 s.s.1 c.17 §1; 1987 c.373 §80; 1991 c.67 §193; 2009 c.867 §13; 2011 c.597 §296; 2015 c.70 §21; 2017 c.538 §13]

Source: Section 731.292 — Disposition of fees, charges, taxes, penalties and other moneys , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 742.450 — OR Code / Title 56 / Chapter 742 / Section 742.450
742.450 Contents of motor vehicle liability policy
Status: in_force

(1) Every motor vehicle liability insurance policy issued for delivery in this state shall state the name and address of the named insured, the coverage afforded by the policy, the premium charged therefor, the policy period and the limits of liability.

(2) Every motor vehicle liability insurance policy issued for delivery in this state shall contain an agreement or indorsement stating that, as respects bodily injury and death or property damage, or both, the insurance provides either:

(a) The coverage described in ORS 806.070 (Minimum payment schedule) and 806.080 (Insurance) ; or

(b) The coverage described in ORS 806.270 (Certificate of insurance) .

(3) The agreement or indorsement required by subsection (2) of this section shall also state that the insurance provided is subject to all the provisions of the Oregon Vehicle Code relating to financial responsibility requirements as defined in ORS 801.280 (“Financial responsibility requirements.”) or future responsibility filings as defined in ORS 801.290 (“Future responsibility filing.”) , as appropriate.

(4) Every motor vehicle liability insurance policy issued for delivery in this state shall provide liability coverage to at least the limits specified in ORS 806.070 (Minimum payment schedule) .

(5) Every motor vehicle liability insurance policy issued for delivery in this state shall provide liability coverage, up to the limits of coverage under the policy for a vehicle owned by the named insured, for the operation by the named insured of a motor vehicle provided to the named insured, without regard to whether the named insured is charged for the use of the motor vehicle, if:

(a) The motor vehicle is provided to the named insured by a person engaged in the business of repairing or servicing motor vehicles; and

(b) The motor vehicle is provided to the named insured as a temporary replacement vehicle while the named insured’s vehicle is being repaired or serviced.

(6) A motor vehicle liability insurance policy issued for delivery in this state may exclude by name from coverage required by subsection (2)(a) of this section any person other than the named insured, for any of the reasons stated in subsection (7) of this section. When an insurer excludes a person as provided by this subsection, the insurer shall obtain a statement or indorsement, signed by each of the named insureds, that the policy will not provide any coverage required by subsection (2)(a) of this section when the motor vehicle is driven by any named excluded person.

(7) A person may be excluded from coverage under a motor vehicle liability insurance policy as provided in subsection (6) of this section:

(a) Because of the driving record of the person. The Director of the Department of Consumer and Business Services by rule may establish restrictions on the use of the driving record in addition to other restrictions established by law.

(b) Because of any reason or set of criteria established by the director by rule.

(8) Every motor vehicle liability insurance policy issued for delivery in this state shall contain a provision that provides liability coverage for each family member of the insured residing in the same household as the insured in an amount equal to the amount of liability coverage purchased by the insured. [Formerly 486.541 and then 743.776; 1991 c.768 §3; 1999 c.438 §2; 2007 c.782 §1]

Source: Section 742.450 — Contents of motor vehicle liability policy; permitted exclusions; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 748.139 — OR Code / Title 56 / Chapter 748 / Section 748.139
748.139 Waiver of provisions by subordinate body
Status: in_force

The laws of the society may provide that no subordinate body, nor any of its subordinate officers or members shall have the power or authority to waive any of the provisions of the laws of the society. This provision shall be binding on the society and every member and beneficiary of a member. [1987 c.490 §11]

Source: Section 748.139 — Waiver of provisions by subordinate body , https://www.­oregonlegislature.­gov/bills_laws/ors/ors748.­html (accessed May 26, 2025).
ORS § 733.658 — OR Code / Title 56 / Chapter 733 / Section 733.658
733.658 Applicability of separate account investment limitations
Status: in_force

The limitations provided in ORS 733.654 (Limitation on amount of separate account investments) and 733.656 (Limitation on securities owned or controlled by separate account investments) do not apply to the investment of separate account funds in the securities of an investment company registered under the federal Investment Company Act of 1940, as amended, if the investments of the investment company comply in substance with ORS 733.654 (Limitation on amount of separate account investments) and 733.656 (Limitation on securities owned or controlled by separate account investments) . [1973 c.435 §12; 1997 c.249 §219]

Source: Section 733.658 — Applicability of separate account investment limitations , https://www.­oregonlegislature.­gov/bills_laws/ors/ors733.­html (accessed May 26, 2025).
ORS § 734.690 — OR Code / Title 56 / Chapter 734 / Section 734.690
734.690 Immunity from legal action
Status: in_force

No person shall have a cause of action against any member insurer, the Oregon Insurance Guaranty Association or its employees or servicing facilities, any member of the board, or the Director of the Department of Consumer and Business Services or employees of the director for any action taken by them in carrying out ORS 734.510 (Definitions for ORS 734.510 to 734.710) to 734.710 (Administration of delinquency proceeding claims and expenses) . [1971 c.616 §21]

Source: Section 734.690 — Immunity from legal action , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 737.035 — OR Code / Title 56 / Chapter 737 / Section 737.035
737.035 Application of chapter
Status: in_force

This chapter applies to all forms of insurance on risks or operations in this state, except:

(1) Reinsurance, other than joint reinsurance to the extent stated in ORS 737.390 (Regulation of joint underwriting and joint reinsurance) ;

(2) Insurance against loss of, or damage to, aircraft, including accessories and equipment, or against liability arising out of ownership, maintenance or use of aircraft;

(3) Wet marine and transportation insurance;

(4) Life insurance;

(5) Health insurance; or

(6) Surplus lines insurance. [1969 c.690 §2; 2005 c.185 §10]

Source: Section 737.035 — Application of chapter , https://www.­oregonlegislature.­gov/bills_laws/ors/ors737.­html (accessed May 26, 2025).
ORS § 744.346 — OR Code / Title 56 / Chapter 744 / Section 744.346
744.346 Examination of business and practices of licensee or applicant
Status: in_force

(1) The Director of the Department of Consumer and Business Services may examine the business and practices of any licensee or applicant for a license when the director determines an examination to be necessary. The director may order a licensee or applicant to produce any records, books, files or other information reasonably necessary to ascertain whether or not the licensee or applicant is acting or has acted in violation of the law or otherwise contrary to the interests of the public. The expenses incurred in conducting any examination shall be paid by the licensee or applicant.

(2) Intentionally left blank —Ed.

(a) A person required to be licensed under ORS 744.321 (Life settlement providers) and 744.323 (Life settlement brokers) shall for five years retain copies of all:

(A) Proposed, offered or executed contracts, purchase agreements, underwriting documents, policy forms and applications from the date of the proposal, offer or execution of the contract or purchase agreement, whichever is later;

(B) Checks, drafts or other evidence and documentation related to the payment, transfer, deposit or release of funds from the date of the transaction; and

(C) Other records and documents related to the requirements under ORS 744.318 (Definitions for ORS 744.318 to 744.384) to 744.384 (Rules) , 744.991 (Criminal penalties) and 744.992 (Civil penalties) .

(b) This section does not relieve a person of the obligation to produce these documents for the director after the retention period has expired if the person has retained the documents.

(c) Records required to be retained by this section must be legible and complete and may be retained in paper, photograph, microprocess, magnetic, mechanical or electronic media, or by any process that accurately reproduces or forms a durable medium for the reproduction of a record.

(3) The director at any time may require a licensee to fully disclose the identity of all stockholders, partners, officers and employees.

(4) Names of, and individual identification data for, all policyholders and certificate holders who have entered life settlement contracts with life settlement providers are confidential as provided in ORS 705.137 (Information that is confidential or not subject to disclosure) . [1995 c.342 §13; 2001 c.377 §15; 2009 c.711 §10]

Source: Section 744.346 — Examination of business and practices of licensee or applicant; records , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 744.081 — OR Code / Title 56 / Chapter 744 / Section 744.081
744.081 Termination of appointment
Status: in_force

(1) An insurer may terminate an agency appointment at any time as provided in this section. Termination shall be without prejudice to the contract rights, if any, of the insurance producer so terminated. The insurer shall give written notice of the termination and the date thereof to the insurance producer at least 90 days prior to the effective date of the termination. The notice must specify the reasons for the termination. The insurer shall deliver the notice either in person or by mail at the address last provided by the insurance producer to the insurer. The insurance producer shall not have a cause of action against the insurer as a result of any statement in the notice unless the statement is false and the insurer knew the statement was false when made.

(2) An insurer may terminate an agency appointment without giving the notice required by subsection (1) of this section on any of the grounds specified in this subsection. The following are grounds for termination under this subsection:

(a) The insurance producer’s insurance license is denied, restricted, revoked, suspended or canceled by any public authority;

(b) The insurance producer’s business is sold, transferred or merged and the insurer has not appointed the successor;

(c) The insurance producer is insolvent or fails to remit balances to the insurer in accordance with the agreement;

(d) The insurance producer commits fraud or engages in intentional misconduct;

(e) The insurer amends its certificate of authority in order to discontinue a class of insurance;

(f) The insurer ceases selling insurance in this state; or

(g) The insurer and insurance producer mutually agree to terminate the agency appointment.

(3) An insurance producer may terminate an agency appointment at any time, but the termination shall be without prejudice to the contract rights, if any, of the appointing insurer. The insurance producer shall give written notice of the termination and the date thereof to the director not later than the 30th day after the effective date of the termination, and to the insurer. The director may require reasonable proof from the insurance producer that the insurance producer has given such notice to the insurer. [Formerly 744.175; 2003 c.364 §20]

Source: Section 744.081 — Termination of appointment , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 742.462 — OR Code / Title 56 / Chapter 742 / Section 742.462
742.462 Insurer’s right to settle claims
Status: in_force

The insurer shall have the right to settle any claim covered by the policy, and if such settlement is made in good faith, the amount thereof shall be deductible from the limits of liability specified in respect to a motor vehicle liability insurance policy. [Formerly 486.564 and then 743.784]

Source: Section 742.462 — Insurer’s right to settle claims , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 746.612 — OR Code / Title 56 / Chapter 746 / Section 746.612
746.612 No right of action
Status: in_force

Nothing in ORS 746.607 (Use and disclosure of personal information) may be construed to create a new private right of action against a health insurer. [2003 c.87 §18a]

Source: Section 746.612 — No right of action , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 743a.262 — OR Code / Title 56 / Chapter 743a / Section 743a.262
743A.262 Preventive health services
Status: in_force

Notwithstanding any other provision of law, a health benefit plan that is not a grandfathered health plan:

(1) Must provide coverage of preventive health services as prescribed by the United States Department of Health and Human Services pursuant to 42 U.S.C. 300gg-13 in rules adopted and in effect on January 1, 2023; and

(2) May not impose cost-sharing requirements on an enrollee for preventive health services, except as allowed by federal law. [Formerly 743B.120; 2023 c.42 §1]

Source: Section 743A.262 — Preventive health services; cost sharing , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743A.­html (accessed May 26, 2025).
ORS § 735.540 — OR Code / Title 56 / Chapter 735 / Section 735.540
735.540 Definitions for ORS 735.540 to 735.552
Status: in_force

As used in ORS 735.540 (Definitions for ORS 735.540 to 735.552) to 735.552 (Pharmacy claims audits) :

(1) “Audit” means an on-site or remote review of the records of a pharmacy by or on behalf of an entity.

(2) “Clerical error” means a minor error:

(a) In the keeping, recording or transcribing of records or documents or in the handling of electronic or hard copies of correspondence;

(b) That does not result in financial harm to an entity; and

(c) That does not involve dispensing an incorrect dose, amount or type of medication or dispensing a prescription drug to the wrong person.

(3) “Entity” includes:

(a) A pharmacy benefit manager;

(b) An insurer;

(c) A third party administrator;

(d) A state agency; or

(e) A person that represents or is employed by one of the entities described in this subsection.

(4) “Fraud” means knowingly and willfully executing or attempting to execute a scheme, in connection with the delivery of or payment for health care benefits, items or services, that uses false or misleading pretenses, representations or promises to obtain any money or property owned by or under the custody or control of any person. [2013 c.570 §4]

Note: See note under 735.530 (Definitions for ORS 735.530 to 735.552) .

Source: Section 735.540 — Definitions for ORS 735.540 to 735.552 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 741.004 — OR Code / Title 56 / Chapter 741 / Section 741.004
741.004 Health Insurance Exchange Advisory Committee
Status: in_force

(1) The Health Insurance Exchange Advisory Committee is created to advise the Oregon Health Policy Board in the development and implementation of the policies and operational procedures governing the administration of a health insurance exchange in this state including, but not limited to, all of the following:

(a) The amount of the assessment imposed on insurers under ORS 741.105 (Charges and fees to be paid by insurers and state programs) .

(b) The operation of a Small Business Health Options Program in accordance with 42 U.S.C. 18031.

(c) The processes and procedures to enable each insurance producer to be authorized to act for all of the insurers offering qualified health plans through the health insurance exchange.

(d) The affordability of qualified health plans offered by employers under section 5000A(e)(1) of the Internal Revenue Code.

(e) Outreach strategies for reaching minority and low-income communities.

(f) Solicitation of customer feedback.

(g) The affordability of health plans offered through the exchange.

(2) The committee consists of 15 members. Thirteen members shall be appointed by the Governor and are subject to confirmation by the Senate in the manner prescribed in ORS 171.562 (Procedures for confirmation) and 171.565 (Vote required for confirmation) . The appointed members serve at the pleasure of the Governor. The Director of the Oregon Health Authority or the director’s designee and the Director of the Department of Consumer and Business Services or the director’s designee shall serve as ex officio members of the committee.

(3) The 13 members appointed by the Governor must represent the interests of:

(a) Insurers;

(b) Insurance producers;

(c) Navigators, in-person assisters, application counselors and other individuals with experience in facilitating enrollment in qualified health plans;

(d) Health care providers;

(e) The business community, including small businesses and self-employed individuals;

(f) Consumer advocacy groups, including advocates for enrolling hard-to-reach populations;

(g) Enrollees in qualified health plans; and

(h) State agencies that administer the medical assistance program under ORS chapter 414.

(4) The Oregon Health Policy Board or the Director of the Oregon Health Authority may solicit recommendations from the committee and the committee may initiate recommendations on its own.

(5) The committee may provide annual reports to the Legislative Assembly, in the manner provided in ORS 192.245 (Form of report to legislature) , of the findings and recommendations the committee considers appropriate, including but not limited to a report on the:

(a) Adequacy of assessments for reserve programs and administrative costs;

(b) Operation of the Small Business Health Options Program;

(c) Number of qualified health plans offered through the exchange;

(d) Number and demographics of individuals enrolled in qualified health plans;

(e) Advance premium tax credits provided to enrollees in qualified health plans; and

(f) Feedback from the community about satisfaction with the operation of the exchange and qualified health plans offered through the exchange.

(6) The members of the committee shall be appointed for a term fixed by the Governor, not to exceed two years, and shall serve without compensation, but shall be entitled to travel expenses in accordance with ORS 292.495 (Compensation and expenses of members of state boards and commissions) . The committee may hire, subject to the approval of the director, such experts as the committee may require to discharge its duties. All expenses of the committee shall be paid out of the Health Insurance Exchange Fund established in ORS 741.102 (Health Insurance Exchange Fund) .

(7) The employees of the Oregon Health Authority responsible for administering the health insurance exchange are directed to assist the committee in the performance of its duties under subsection (1) of this section and, to the extent permitted by laws relating to confidentiality, to furnish such information and advice as the members of the committee consider necessary to perform their duties under subsection (1) of this section. [2015 c.3 §13; 2021 c.569 §20; 2023 c.584 §3]

Source: Section 741.004 — Health Insurance Exchange Advisory Committee , https://www.­oregonlegislature.­gov/bills_laws/ors/ors741.­html (accessed May 26, 2025).
ORS § 732.542 — OR Code / Title 56 / Chapter 732 / Section 732.542
732.542 Monopoly or substantial diminishment of competition
Status: in_force

(1) As used in this section:

(a) “Highly concentrated market” means a market in which the share that the four largest insurers hold is 75 percent or more of the market.

(b) “Insurer” means a company that transacts insurance or a group of companies that transact insurance and are under common management, ownership or control.

(c) “Market” means the relevant product or geographical market the Director of the Department of Consumer and Business Services determines under subsection (7) of this section.

(2) The director may issue an order under ORS 732.544 (Director’s order) if an insurer fails to submit adequate information in accordance with ORS 732.539 (Notification of acquisition) or if prima facie or substantial evidence of the type described in subsection (3)(a) or (b) of this section exists to support the director’s determination that an acquisition may:

(a) Substantially diminish competition in a line of insurance in this state; or

(b) Tend to create a monopoly.

(3) Intentionally left blank —Ed.

(a) Prima facie evidence exists to support the director’s determination that an acquisition may substantially diminish competition in a line of insurance in this state or may tend to create a monopoly if the acquisition:

(A) Is subject to ORS 732.537 (Application of ORS 732.527, 732.539, 732.542 and 732.544 to change of control of insurer) ;

(B) Involves two or more insurers that compete in the same market;

(C) Will take place in a market that has a significant trend toward increased concentration, as provided in subsection (4) of this section; and

(D) Involves at least one insurer within a group of up to eight of the largest insurers in a market that has a significant trend toward increased concentration, as provided in subsection (4) of this section, and another insurer that is either within the same group or has a market share of two percent or more.

(b) Substantial evidence exists to support the director’s determination that an acquisition may substantially diminish competition in a line of insurance in this state or may tend to create a monopoly if:

(A) In a highly concentrated market the insurers involved in the acquisition hold the following shares:

Insurer A Insurer B

Four percent Four percent or more

10 percent Two percent or more

15 percent One percent or more

(B) In a market that is not highly concentrated, the insurers involved in the acquisition hold the following shares:

Insurer A Insurer B

Five percent Five percent or more

10 percent Four percent or more

15 percent Three percent or more

19 percent One percent or more

(4) Evidence of a significant trend toward increased concentration in the market exists if the aggregate market share of any grouping of as many as eight of the largest insurers in the market has increased by seven percent or more over a period of time that begins at least five years and not more than 10 years before the date of the notice described in ORS 732.539 (Notification of acquisition) and that ends on the date of the notice described in ORS 732.539 (Notification of acquisition) .

(5) Notwithstanding the requirement in subsection (2) of this section to find prima facie or substantial evidence before issuing an order under ORS 732.544 (Director’s order) , the director may issue the order if the director determines, on the basis of other substantial evidence, that the acquisition may substantially diminish competition in a line of insurance in this state or may tend to create a monopoly. In making a determination under this subsection, the director may consider:

(a) The market shares of the insurers involved in the acquisition;

(b) Volatility in the relative market shares among the largest insurers in the market;

(c) The number of competitors in the market;

(d) The concentration of the market and any trend toward increased concentration; and

(e) The ease with which an insurer may enter or exit the market.

(6) The director has the burden of showing prima facie evidence for the director’s determination that an acquisition may substantially diminish competition in a line of insurance in this state or may tend to create a monopoly. A person may rebut the director’s showing or determination under subsection (2), (3) or (5) of this section by providing substantial evidence to the contrary.

(7) In determining the scope and extent of the market for the purpose of determining whether an acquisition may substantially diminish competition in a line of insurance in this state or may tend to create a monopoly, the director at a minimum shall consider definitions and guidelines that the National Association of Insurance Commissioners promulgates and information that the parties to the acquisition submit. Unless the director determines otherwise:

(a) The product market is the direct written insurance premium for the line of business in this state that an insurer authorized to transact insurance in this state claims in the annual financial statement the insurer files under ORS 731.574 (Annual financial statement) ; and

(b) The geographical market is this state.

(8) In the tables shown in subsection (3)(b) of this section:

(a) Percentages that do not appear in the tables may be interpolated using the percentages that appear in the tables.

(b) Prima facie evidence exists for the director to determine that an acquisition may substantially diminish competition in a line of insurance in this state or may tend to create a monopoly if more than two insurers are involved in the acquisition and the total market share among the insurers exceeds the aggregated market share of “Insurer A” and “Insurer B” in any row shown in the tables.

(c) “Insurer A” is the insurer with the largest share of the market.

(9) The director may not issue an order under ORS 732.544 (Director’s order) if:

(a) The acquisition will yield substantial economies of scale or substantial economies in resource use that cannot feasibly be achieved in any other way and the economies would provide a public benefit that outweighs the public benefit of maintaining competition in the market; or

(b) The acquisition would substantially increase the availability of insurance and the public benefit from increased insurance availability outweighs the public benefit of maintaining competition in the market. [2013 c.370 §7]

Source: Section 732.542 — Monopoly or substantial diminishment of competition; director’s order; prima facie and substantial evidence; determination of scope and extent of market , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 733.325 — OR Code / Title 56 / Chapter 733 / Section 733.325
733.325 Definitions
Status: in_force

As used in ORS 733.325 (Definitions) to 733.340 (Exemptions) and sections 14 to 17, chapter 547, Oregon Laws 2015:

(1) “Accident and health insurance” means a contract that incorporates morbidity risk and provides protection against economic loss that results from accident, sickness or a medical condition.

(2) “Appointed actuary” means a qualified actuary that an insurer appoints in accordance with the valuation manual to prepare the actuarial opinion required under ORS 733.331 (Opinion of appointed actuary) .

(3) “Deposit-type contract” means a contract that does not incorporate mortality or morbidity risks.

(4) “Insurer” means an entity that has:

(a) Written, issued or reinsured life insurance contracts, accident and health insurance contracts or deposit-type contracts in this state and has at least one life insurance contract, accident and health insurance contract or deposit-type contract in force or on claim; or

(b) Written, issued or reinsured life insurance contracts, accident and health insurance contracts or deposit-type contracts in any state and that must hold a certificate of authority to write life insurance, accident and health insurance or deposit-type contracts in this state.

(5) “Life insurance” means a contract that incorporates mortality risk, including an annuity contract and a pure endowment contract.

(6) “Operative date of the valuation manual” means the date on which the Director of the Department of Consumer and Business Services adopts the valuation manual by rule in accordance with section 16, chapter 547, Oregon Laws 2015.

(7) “Principle-based valuation” means a reserve valuation that uses one or more methods or one or more assumptions that the insurer determines and that must comply with section 17, chapter 547, Oregon Laws 2015, as specified in the valuation manual.

(8) “Qualified actuary” means an individual who:

(a) Is qualified to sign the applicable statement of actuarial opinion in accordance with standards that the director establishes by rule, taking into consideration standards that the American Academy of Actuaries establishes for actuaries that sign statements of actuarial opinion; and

(b) Meets the requirements set forth in the valuation manual.

(9) “Reserves” means reserve liabilities.

(10) “Valuation manual” means the manual of valuation instructions that the director adopts in accordance with section 16, chapter 547, Oregon Laws 2015. [2015 c.547 §11]

Source: Section 733.325 — Definitions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors733.­html (accessed May 26, 2025).
ORS § 742.041 — OR Code / Title 56 / Chapter 742 / Section 742.041
742.041 Permissible classes of insurance in one policy
Status: in_force

(1) Except as provided in this section, when more than one class of insurance as defined in ORS 731.150 (Definitions of classes of insurance not mutually exclusive) to 731.194 (“Wet marine and transportation insurance.”) is effected by an insurer each class shall be written in a separate and distinct policy. Any such policy may be canceled, surrendered or otherwise terminated without affecting other premiums paid or policies held by the same insured.

(2) Except as provided in this section, the same policy shall not include insurance coverages as to which the liability of the insurer for unearned premiums or the reserve for unpaid, deferred or undetermined loss claims is estimated in a different manner.

(3) Insurance in one policy may be effected upon automobiles and vehicles, and the accessories and other property transported upon and used in connection therewith, against loss or damage by fire, collision and explosion, and against loss by legal liability for damage to persons or property, or both, resulting from the maintenance, use or operation of such automobiles or vehicles, and against loss by burglary, embezzlement or theft, or any one or more of them. Premiums and losses for such insurance are to be reported to the Director of the Department of Consumer and Business Services under the title “automobile insurance.” For this purpose an insurer need not use the standard fire insurance policy required by ORS 742.202 (Standard fire insurance policy) .

(4) Insurance in one policy may be effected against loss or damage of property and against personal injury and death, and liability therefor, from explosion of steam boilers, tanks and engines, pipes and machinery connected therewith, and breakage of flywheels and machinery. Premiums and losses for such insurance are to be reported to the director under the title “steam boiler insurance.”

(5) Insurance under the classes of life and health insurance may be effected in one policy.

(6) Insurance in one policy effected against any physical loss or damage occurring to properties may include coverage as to other perils, either on an unspecified basis as to coverage or for a single premium.

(7) Insurance in one policy effected against loss or destruction of baggage while traveling which is written on a single premium nonrenewable basis may include travel ticket health insurance benefits.

(8) Insurance under more than one class of insurance may be effected in one policy if the director finds that the issuance of the policy is in the best interest of the public. [Formerly 736.310 and then 743.072; 2005 c.185 §2]

Source: Section 742.041 — Permissible classes of insurance in one policy , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 734.510 — OR Code / Title 56 / Chapter 734 / Section 734.510
734.510 Definitions for ORS 734.510 to 734.710
Status: in_force

As used in ORS 734.510 (Definitions for ORS 734.510 to 734.710) to 734.710 (Administration of delinquency proceeding claims and expenses) , unless the context requires otherwise:

(1) “Association” means the Oregon Insurance Guaranty Association created by ORS 734.550 (Oregon Insurance Guaranty Association) .

(2) “Board” means the board of directors of the association.

(3) “Controlled insurer” means an insurer 70 percent or more of whose stock is owned by a corporation, or by two or more corporations that are under common ownership.

(4) Intentionally left blank —Ed.

(a) “Covered claim” means an unpaid claim, including a claim for unearned premiums and a claim by the Workers’ Benefit Fund for payments made pursuant to ORS chapter 656, that arises out of and is within the coverage and limits of an insurance policy to which ORS 734.510 (Definitions for ORS 734.510 to 734.710) to 734.710 (Administration of delinquency proceeding claims and expenses) apply and which is in force at the time of the occurrence giving rise to the unpaid claim, made by a person insured under such policy or by a person suffering injury or damage for which a person insured under such policy is legally liable, if:

(A) The insurer issuing the policy becomes an insolvent insurer after September 9, 1971; and

(B) The claimant or insured is a resident of this state at the time of the occurrence giving rise to the unpaid claim, or the property for which claim arises is permanently located in this state.

(b) “Covered claim” does not include:

(A) Any amount in excess of the applicable limits of liability provided by an insurance policy to which ORS 734.510 (Definitions for ORS 734.510 to 734.710) to 734.710 (Administration of delinquency proceeding claims and expenses) apply;

(B) Any amount due any reinsurer, insurer, insurance pool or underwriting association as subrogated recoveries or otherwise;

(C) Except for claims arising out of workers’ compensation policies subject to ORS chapter 656, a claim filed with the association after the final date set by the court for the filing of claims against the liquidator or receiver of an insolvent insurer; or

(D) Any first party claim by an insured whose net worth exceeds $25 million on December 31 of the year next preceding the date the insurer becomes an insolvent insurer, provided that an insured’s net worth on such date is deemed to include the aggregate net worth of the insured and all of its subsidiaries as calculated on a consolidated basis.

(5) “Dividend” means any payment made to the stockholders of a controlled insurer, which payment is directly related to ownership of the stock.

(6) “Insolvent insurer” means a member insurer:

(a) Authorized to transact insurance in this state either at the time the policy was issued or at the time of the occurrence giving rise to the unpaid claim;

(b) Against which a final order of liquidation, with a finding of insolvency, has been entered by a court of competent jurisdiction in the insurer’s domicile after September 9, 1971; and

(c) With respect to which no order, judgment or finding relating to the insolvency of the insurer, whether preliminary or temporary in nature or otherwise, has been issued by a court of competent jurisdiction or by any insurance commissioner, insurance department or similar official or body prior to September 9, 1971, or which was in fact insolvent prior to September 9, 1971, and such de facto insolvency was or should have been known by the chief insurance regulatory official of its domicile.

(7) “Member insurer” means an insurer, including a reciprocal insurer, authorized to transact insurance in this state that writes any kind of insurance to which ORS 734.510 (Definitions for ORS 734.510 to 734.710) to 734.710 (Administration of delinquency proceeding claims and expenses) apply.

(8) “Net direct written premiums” means direct gross premiums written in this state on insurance policies to which ORS 734.510 (Definitions for ORS 734.510 to 734.710) to 734.710 (Administration of delinquency proceeding claims and expenses) apply, less return premiums thereon and dividends paid or credited to policyholders on such direct business. “Net direct written premiums” does not include premiums on contracts between insurers or reinsurers.

(9) “Plan” means the plan of operation of the association established pursuant to ORS 734.590 (Plan of operation) . [1971 c.616 §5; 1977 c.793 §8; 2001 c.974 §1; 2003 c.576 §556]

Source: Section 734.510 — Definitions for ORS 734.510 to 734.710 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 735.445 — OR Code / Title 56 / Chapter 735 / Section 735.445
735.445 Effect of payment of premium to surplus lines licensee
Status: in_force

A payment of premium to a surplus lines licensee acting for a person other than the surplus lines licensee in negotiating, continuing or renewing any policy of insurance under ORS 735.400 (Purposes of ORS 735.400 to 735.495) to 735.495 (Short title) shall be deemed to be payment to the insurer, whatever conditions or stipulations may be inserted in the policy or contract notwithstanding. [1987 c.774 §126]

Source: Section 735.445 — Effect of payment of premium to surplus lines licensee , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 731.426 — OR Code / Title 56 / Chapter 731 / Section 731.426
731.426 Duration of suspension
Status: in_force

(1) In an order suspending the certificate of authority of an insurer, the Director of the Department of Consumer and Business Services may provide that the suspension expires at the end of a specified period or when the director determines that the cause or causes of the suspension have terminated. During the suspension the director may rescind or shorten the suspension by further order.

(2) During the suspension period the insurer shall not solicit or write any new business in this state, but shall file its annual statement and pay fees, licenses and taxes as required under the Insurance Code, and may service its business already in force in this state, as if the certificate of authority had continued in full force.

(3) Upon expiration of a specific suspension period, if within such period the certificate of authority has not terminated, the insurer’s certificate of authority automatically shall reinstate unless the director finds that the cause or causes of the suspension have not terminated, or that the insurer is otherwise not in compliance with the requirements of the Insurance Code, and of which the director shall give the insurer notice not less than 30 days in advance of the expiration of the suspension period.

(4) When the director determines that a suspension should expire because the cause or causes have terminated, the director shall reinstate the certificate of authority of the insurer unless the certificate of authority has expired within the suspension period.

(5) Upon reinstatement of the insurer’s certificate of authority, the authority of its insurance producers in this state to represent the insurer shall likewise reinstate. The director promptly shall notify the insurer and its insurance producers in this state of record in the Department of Consumer and Business Services, of such reinstatement. If pursuant to ORS 731.422 (Order of suspension, revocation or refusal) the director has published notice of suspension, in like manner the director shall publish notice of the reinstatement. [1967 c.359 §91; 1989 c.700 §1; 2003 c.364 §70]

Source: Section 731.426 — Duration of suspension; insurer’s obligations during suspension period; reinstatement , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 731.369 — OR Code / Title 56 / Chapter 731 / Section 731.369
731.369 Requirements of reciprocal insurers generally
Status: in_force

(1) A reciprocal insurer, through its attorney, shall file with the Director of the Department of Consumer and Business Services a declaration, verified by the oath of such attorney, setting forth:

(a) The name or title of the reciprocal insurer.

(b) The location of the principal office of the reciprocal insurer.

(c) The class or classes of insurance to be effected or exchanged.

(d) A copy of the form of power of attorney or instrument under which such insurance is to be effected or exchanged.

(e) A copy of the policy under or by which such contracts of insurance are effected or exchanged among the subscribers.

(f) That applications have been made for insurance in the amounts required by subsection (2) of this section, and that such applications will be concurrently effective when the reciprocal insurer is authorized to commence business by the director.

(g) If a foreign or alien reciprocal insurer, that there has been deposited and shall be maintained at all times with the State Treasurer or other proper official of the state in which the insurer is domiciled $50,000 in cash or securities, as a general deposit for the benefit of subscribers wherever located. Where the laws of the home state do not provide for the acceptance of such a deposit, the deposit may be made with a bank or trust company in escrow subject to the control of the insurance commissioner of the home state, and such deposit shall be released only upon the written order of such insurance commissioner. A certification from the insurance director or other proper state official of the state in which the reciprocal insurer is domiciled shall be attached to the application for the certificate of authority.

(2) The reciprocal insurer must have bona fide applications for insurance aggregating not less than $3 million upon at least 200 risks, except in the case of wet marine hull insurance written by a domestic reciprocal insurer for persons whose earned income, in whole or in part, is derived from taking and selling food resources living in an ocean, bay or river, the applications must cover at least 25 hulls and the insurance must aggregate at least $125,000.

(3) The applicant shall furnish any other relevant information required by the director, except no reciprocal insurer shall be required to furnish or file the names or addresses of its policyholders or subscribers. [Formerly 731.366]

Source: Section 731.369 — Requirements of reciprocal insurers generally , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 750.335 — OR Code / Title 56 / Chapter 750 / Section 750.335
750.335 Delinquency proceedings
Status: in_force

The Director of the Department of Consumer and Business Services may initiate and carry out supervision and delinquency proceedings against a trust carrying out a multiple employer welfare arrangement in the same manner as provided with regard to insurers under ORS chapter 734. [1993 c.615 §20]

Note: See note under 750.301 (Definitions for ORS 750.301 to 750.341) .

Source: Section 750.335 — Delinquency proceedings , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 743.373 — OR Code / Title 56 / Chapter 743 / Section 743.373
743.373 Forms of credit life and credit health insurance
Status: in_force

Credit life and credit health insurance shall be issued only in the following forms:

(1) Individual policies of life insurance issued to debtors on the term plan.

(2) Individual policies of health insurance issued to debtors on a term plan, or disability benefit provisions in individual policies of credit life insurance.

(3) Group policies of life insurance issued to creditors providing insurance upon the lives of debtors on the term plan.

(4) Group policies of health insurance issued to creditors on a term plan insuring debtors, or disability benefit provisions in group credit life insurance policies. [Formerly 739.575 and then 743.567]

Source: Section 743.373 — Forms of credit life and credit health insurance , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 734.440 — OR Code / Title 56 / Chapter 734 / Section 734.440
734.440 Judgment upon assessment
Status: in_force

(1) On the return day of the order to show cause specified in the assessment order issued under ORS 734.420 (Order to pay assessment) , if the member or subscriber does not appear and serve verified objections upon the Director of the Department of Consumer and Business Services, the court shall make an order adjudging that such member or subscriber is liable for the amount of the assessment against the member or subscriber, together with $10 costs, and that the director may have judgment against the member or subscriber therefor.

(2) If on such return day the member or subscriber shall appear and serve verified objections upon the director, there shall be a full hearing before the court or a referee to hear and determine the matter. The court, after such hearing, shall make an order either negativing the liability of the member or subscriber to pay the assessment or affirming liability to pay the whole or some part thereof, together with $25 costs and the necessary disbursements incurred at such hearing, and directing that the director, in the latter case, may have judgment therefor. [1967 c.359 §298; 2003 c.576 §221]

Source: Section 734.440 — Judgment upon assessment , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 732.205 — OR Code / Title 56 / Chapter 732 / Section 732.205
732.205 General powers of insurers
Status: in_force

Except as otherwise provided in the Insurance Code or the articles of incorporation of an insurer, a domestic insurer shall have:

(1) The general and emergency powers granted to corporations by ORS 60.077 (General powers) and 60.081 (Emergency powers) ;

(2) The powers granted to insurers by the Insurance Code; and

(3) All powers necessary or convenient to effect any or all of the purposes for which the corporation is organized or to perform any or all of the acts expressly or impliedly authorized or required under the Insurance Code. [1967 c.359 §164; 1987 c.846 §6]

Source: Section 732.205 — General powers of insurers , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 735.500 — OR Code / Title 56 / Chapter 735 / Section 735.500
735.500 Requirements for certification as retainer medical practice
Status: in_force

(1) As used in this section and ORS 735.510 (Notice to department of specified changes to practice) :

(a) “Control” means the possession, directly or indirectly, of the power to direct or cause the direction of the management and policies of a person, whether through the ownership of voting stock, by contract or otherwise. A person who is the owner of 10 percent or more ownership interest in a retainer medical practice or applicant for a certificate to operate a retainer medical practice is presumed to have control.

(b) “Primary care” means outpatient, nonspecialty medical services or the coordination of health care for the purpose of:

(A) Promoting or maintaining mental and physical health and wellness; and

(B) Diagnosis, treatment or management of acute or chronic conditions caused by disease, injury or illness.

(c) “Provider” means a health care professional licensed or certified under ORS chapter 677, 678, 684 or 685 who provides primary care in the ordinary course of business or practice of a profession.

(d) “Retainer medical agreement” means a written agreement between a retainer medical practice and a patient or a legal representative or guardian of a patient specifying a defined and predetermined set of primary care services to be provided in consideration for a retainer medical fee.

(e) “Retainer medical fee” means any fee paid to a retainer medical practice pursuant to a medical retainer agreement.

(f) “Retainer medical practice” means a provider, a group of providers or a person that employs or contracts with a provider or a group of providers to provide services under the terms of a retainer medical agreement.

(2) A retainer medical practice must be certified by the Department of Consumer and Business Services. To qualify to become a certified retainer medical practice or to renew a certificate, the practice:

(a) May not have or have ever had a certificate of authority to transact insurance in this state.

(b) May not be or have ever been licensed, certified or otherwise authorized in this state or any other state to act as an insurer, managed care organization, health care service contractor or similar entity.

(c) May not be controlled by an entity described in paragraph (a) or (b) of this subsection.

(3) A certified retainer medical practice:

(a) Must provide only primary care and must limit the scope of services provided or the number of patients served to an amount that is within the capacity of the practice to provide in a timely manner;

(b) May not bill an insurer, a self-insured plan or the state medical assistance program for a service provided by the practice to a patient pursuant to a retainer medical agreement;

(c) Must be financially responsible and have the necessary business experience or expertise to operate the practice;

(d) Must give the written disclosures described in subsection (4) of this section;

(e) May not use or disseminate misleading, deceptive or false statements in marketing, advertising, promotional, sales or informational materials regarding the practice or in communications with patients or prospective patients;

(f) May not engage in dishonest, fraudulent or illegal conduct in any business or profession; and

(g) May not discriminate based on race, religion, gender, sexual identity, sexual preference or health status.

(4) A certified retainer medical practice must make the following written information available to prospective patients by prominently disclosing, in the manner prescribed by the department by rule, in marketing materials and retainer medical agreements:

(a) That the practice is not insurance;

(b) That the practice provides only the limited scope of primary care services specified in the retainer medical agreement;

(c) That a patient must pay for all services not specified in the retainer medical agreement; and

(d) Any other disclosures required by the department by rule.

(5) The department may by written order deny, suspend or revoke a retainer medical practice certificate or may refuse to renew a retainer medical practice certificate if the department finds that:

(a) The retainer medical practice does not meet the criteria in subsections (2) to (4) of this section;

(b) The retainer medical practice has provided false, misleading, incomplete or inaccurate information in the application for a certificate or renewal of a certificate;

(c) The retainer medical practice provides medical services through a provider whose license to provide the medical services offered on behalf of the retainer medical practice is revoked;

(d) The authority of the retainer medical practice to operate a retainer medical practice or similar practice in another jurisdiction is denied, suspended, revoked or not renewed;

(e) The retainer medical practice, a person who has control over the retainer medical practice or a health care provider providing services on behalf of the retainer medical practice is charged with a felony or misdemeanor involving dishonesty; or

(f) The retainer medical practice fails to comply with subsection (7) of this section.

(6) With respect to a certified retainer medical practice or a retainer medical practice operating without a certificate, the department is authorized to:

(a) Investigate;

(b) Subpoena documents and records related to the business of the practice; and

(c) Take any actions authorized by the Insurance Code that are necessary to administer and enforce this section.

(7) A retainer medical practice subject to an investigation under subsection (5) of this section must:

(a) Within five business days, respond to inquiries in the form and manner specified by the department; and

(b) Reimburse the expenses incurred by the department in conducting the investigation.

(8) A retainer medical practice may contest any order made under subsection (5) of this section in accordance with ORS chapter 183.

(9) A certificate issued under subsection (2) of this section is effective for one year or for a longer period as prescribed by the department by rule.

(10) The department may adopt rules necessary or appropriate to implement the provisions of this section. [2011 c.499 §2]

Note: 735.500 (Requirements for certification as retainer medical practice) and 735.510 (Notice to department of specified changes to practice) were added to and made a part of the Insurance Code by legislative action but were not added to ORS chapter 735 or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 735.500 — Requirements for certification as retainer medical practice; disclosures; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 750.059 — OR Code / Title 56 / Chapter 750 / Section 750.059
750.059 Exemption of group practice maintenance organizations from reimbursement requirement for services provided by state hospital or state-approved program
Status: in_force

ORS 743A.010 (Services provided by state hospital or state approved program) does not apply to group practice maintenance organizations that are federally qualified pursuant to Title XIII of the Public Health Service Act (42 U.S.C. 300e et seq.). [1981 c.422 §2; 1981 c.891 §3]

Source: Section 750.059 — Exemption of group practice maintenance organizations from reimbursement requirement for services provided by state hospital or state-approved program , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 735.410 — OR Code / Title 56 / Chapter 735 / Section 735.410
735.410 Conditions for procuring insurance through nonadmitted insurer
Status: in_force

(1) Insurance may be procured through a surplus lines licensee from a nonadmitted insurer if:

(a) The insurer is an eligible surplus lines insurer;

(b) A diligent search has first been made among the insurers who are authorized to transact and are actually writing the particular kind and class of insurance in this state, and it is determined that the full amount or kind of insurance cannot be obtained from those insurers; and

(c) All other requirements of ORS 735.400 (Purposes of ORS 735.400 to 735.495) to 735.495 (Short title) are met.

(2) Subsection (1)(b) of this section does not apply to a surplus lines licensee seeking to procure or place nonadmitted insurance in this state for an exempt commercial purchaser if:

(a) The surplus lines licensee procuring or placing the surplus lines insurance has disclosed to the exempt commercial purchaser that such insurance may or may not be available from the admitted market that may provide greater protection with more regulatory oversight; and

(b) The exempt commercial purchaser has subsequently requested in writing that the surplus lines licensee procure or place such insurance from a nonadmitted insurer.

(3) The Director of the Department of Consumer and Business Services by rule may establish requirements applicable to the placement of surplus lines insurance on Oregon home state risks by a nonresident surplus lines licensee. The rules may not interfere with or hinder implementation of the federal Gramm-Leach-Bliley Act (P.L. 106-102) with respect to licensing reciprocity among the states, or the Nonadmitted and Reinsurance Reform Act of 2010 (P.L. 111-203, Title V, Subtitle B). [1987 c.774 §119; 2001 c.191 §44b; 2011 c.660 §9]

Source: Section 735.410 — Conditions for procuring insurance through nonadmitted insurer; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 748.207 — OR Code / Title 56 / Chapter 748 / Section 748.207
748.207 Benefits exempt from execution
Status: in_force

No money or other benefit, charity, relief or aid to be paid, provided or rendered by any society, shall be liable to attachment, garnishment or other process, or to be seized, taken, appropriated or applied by any legal or equitable process or operation of law to pay any debt or liability of a member or beneficiary, or any other person who may have a right thereunder, either before or after payment by the society. [1987 c.490 §19]

Source: Section 748.207 — Benefits exempt from execution , https://www.­oregonlegislature.­gov/bills_laws/ors/ors748.­html (accessed May 26, 2025).
ORS § 732.435 — OR Code / Title 56 / Chapter 732 / Section 732.435
732.435 Suit to recover insider profits
Status: in_force

(1) For the purpose of preventing the unfair use of information which may have been obtained by a beneficial owner, director or officer as described in ORS 732.430 (Filing statement of security ownership with director) by reason of the beneficial owner, director or officer’s relationship to such insurer, any profit realized by the beneficial owner, director or officer from any purchase and sale, or any sale and purchase, of any equity security of such insurer within any period of less than six months, unless such security was acquired in good faith in connection with a debt previously contracted, shall inure to and be recoverable by the insurer, irrespective of any intention on the part of such beneficial owner, director or officer in entering into such transaction of holding the security purchased or of not repurchasing the security sold for a period exceeding six months. An action to recover such profit may be instituted at law or in equity in any court of competent jurisdiction by the insurer, or by the owner of any security of the insurer in the name and in behalf of the insurer if the insurer shall fail or refuse to bring such action within 60 days after request or shall fail diligently to prosecute the same thereafter; but no such action shall be brought more than two years after the date such profit was realized.

(2) This section shall not be construed to cover any transaction where such beneficial owner was not such both at the time of the purchase and sale, or the sale and purchase, of the security involved, or any transaction or transactions that the Director of the Department of Consumer and Business Services by rules may exempt as not comprehended within the purpose of this section. [Formerly 738.740]

Source: Section 732.435 — Suit to recover insider profits; exempted transactions; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 743.106 — OR Code / Title 56 / Chapter 743 / Section 743.106
743.106 Reading ease standards for life and health insurance policies
Status: in_force

(1) No policy form shall be delivered or issued for delivery in this state unless:

(a) The policy text achieves a score of 40 or more on the Flesch reading ease test, or an equivalent score on any comparable test as provided in subsection (3) of this section;

(b) The policy, except for specification pages, schedules and tables is printed in not less than 12-point type, 13-point leading for health benefit plans, as defined in ORS 743B.005 (Definitions) , and 10-point type, 11-point leading for all other policies;

(c) The style, arrangement and overall appearance of the policy give no undue prominence to any portion of the text, including the text of any indorsements or riders; and

(d) The policy contains a table of contents or an index of the principal sections of the policy, if the policy has more than 3,000 words of text printed on three or less pages, or regardless of the number of words if the policy has more than three pages.

(2) For the purposes of this section, a Flesch reading ease test score shall be calculated as follows:

(a) For policy forms containing 10,000 words or less of text, the entire form shall be analyzed. For policy forms containing more than 10,000 words, two 200-word samples per page may be analyzed instead of the entire form. The samples shall be separated by at least 20 printed lines.

(b) The number of words and sentences in the text shall be counted and the total number of words divided by the total number of sentences. The figure obtained shall be multiplied by a factor of 1.015.

(c) The total number of syllables in the text shall be counted and divided by the total number of words. The figure obtained shall be multiplied by a factor of 84.6.

(d) The sum of the figures computed under paragraphs (b) and (c) of this subsection subtracted from 206.835 equals the Flesch reading ease test score for the policy form.

(e) For purposes of paragraphs (b) and (c) of this subsection, the following procedures shall be used:

(A) A contraction, hyphenated word or numbers and letters, when separated by spaces, shall be counted as one word.

(B) A unit of words ending with a period, semicolon or colon shall be counted as a sentence.

(C) A “syllable” means a unit of spoken language consisting of one or more letters of a word as divided by an accepted dictionary. If the dictionary shows two or more equally acceptable pronunciations of a word, the pronunciation containing fewer syllables may be used.

(f) As used in this section, “text” includes all written matter except the following:

(A) The name and address of the insurer; the name, number or title of the policy; the table of contents or index; captions and subcaptions; specification pages; schedules or tables; and

(B) Policy language drafted to conform to the requirements of any state or federal law, regulation or agency interpretation; policy language required by any collectively bargained agreement; medical terminology; and words that are defined in the policy. However, the insurer shall identify the language or terminology excepted by this subparagraph and shall certify in writing that the language or terminology is entitled to be excepted by this subparagraph.

(3) Any other reading test may be approved by the Director of the Department of Consumer and Business Services as an alternative to the Flesch reading ease test if it is comparable in result to the Flesch reading ease test.

(4) Each policy filing shall be accompanied by a certificate signed by an officer of the insurer stating that the policy meets the minimum required reading ease score on the test used, or stating that the score is lower than the minimum required but should be authorized in accordance with ORS 743.107 (When director may authorize lower standards) . To confirm the accuracy of a certification, the director may require the submission of further information.

(5) At the option of the insurer, riders, indorsements, applications and other forms made a part of the policy may be scored as separate forms or as part of the policy with which they may be used. [Formerly 743.365; 2015 c.515 §5]

Source: Section 743.106 — Reading ease standards for life and health insurance policies , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 742.528 — OR Code / Title 56 / Chapter 742 / Section 742.528
742.528 Notice of denial of payment of benefits
Status: in_force

An insurer who denies payment of personal injury protection benefits to or on behalf of an insured shall:

(1) Provide written notice of the denial, within 60 calendar days of receiving a claim from the provider, to the insured, stating the reason for the denial and informing the insured of the method for contesting the denial; and

(2) Provide a copy of the notice of the denial, within 60 calendar days of receiving a claim from the provider, to a provider of services under ORS 742.524 (Contents of personal injury protection benefits) (1)(a). [Formerly 743.812; 1993 c.265 §1]

Source: Section 742.528 — Notice of denial of payment of benefits , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 748.306 — OR Code / Title 56 / Chapter 748 / Section 748.306
748.306 Authority for group benefit certificates
Status: in_force

A fraternal benefit society may provide in its laws, in addition to other benefits provided, for the issuance of group benefit certificates if on the date when it enters upon business it has admitted assets which are greater than the sum of its accrued liabilities and reserves under all of its certificates when valued according to standards required for certificates issued after June 8, 1967. [1987 c.490 §36]

Source: Section 748.306 — Authority for group benefit certificates , https://www.­oregonlegislature.­gov/bills_laws/ors/ors748.­html (accessed May 26, 2025).
ORS § 744.734 — OR Code / Title 56 / Chapter 744 / Section 744.734
744.734 Notice to insureds regarding third party administrator
Status: in_force

(1) When an insurer uses the services of a third party administrator, the third party administrator shall provide to covered individuals a written notice approved by the insurer that advises them of the identity of and relationship among the third party administrator, the policyholder and the insurer.

(2) When a third party administrator collects funds, the reason for collection of each item must be identified to the insured party and each item must be shown separately from any premium. Additional charges may not be made for services to the extent the services have been paid for by the insurer. [1991 c.812 §19]

Source: Section 744.734 — Notice to insureds regarding third party administrator , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 743a.111 — OR Code / Title 56 / Chapter 743a / Section 743a.111
743A.111 Consumer education about post-mastectomy services
Status: in_force

(1) The Department of Consumer and Business Services shall make written materials available on the department’s website to educate breast cancer patients about the availability of insurance coverage for breast reconstruction surgery and breast prostheses following a mastectomy. The department shall update the materials at least annually.

(2) The department shall place a link to the educational materials described in subsection (1) of this section close to links on the website to information for consumers about health insurance and under a tab designated “Breast Reconstruction Education.” The materials must include links to information about breast reconstruction surgery published by governmental entities with a nexus to this state or nonprofit organizations with expertise in breast reconstruction surgery, including but not limited to information about:

(a) The availability of the option to have breast reconstruction surgery following a mastectomy including that the breast reconstruction surgery may be performed at the time of a mastectomy or may be delayed until a later date.

(b) Prostheses or breast forms as alternatives to breast reconstruction surgery.

(c) The requirements of the Women’s Health and Cancer Rights Act of 1998 (P.L. 105-277) including the right to breast reconstruction surgery following a mastectomy even if the surgery is delayed until a later date.

(3) The department may include educational information about breast reconstruction surgery in newsletters or similar publications that the department sends to consumers or carriers on a weekly or monthly basis. [2017 c.163 §2]

Note: 743A.111 (Consumer education about post-mastectomy services) was enacted into law by the Legislative Assembly but was not added to or made a part of ORS chapter 743A or any series therein by legislative action. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 743A.111 — Consumer education about post-mastectomy services , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743A.­html (accessed May 26, 2025).
ORS § 743b.011 — OR Code / Title 56 / Chapter 743b / Section 743b.011
743B.011 Group health benefit plans subject to provisions of specified laws
Status: in_force

(1) Except as provided in subsection (2) of this section, every health benefit plan shall be subject to the provisions of ORS 743B.010 (Issuance of group health benefit plan to affiliated group of employers) to 743B.013 (Requirements for small employer health benefit plans) , if the plan provides health benefits covering one or more employees of a small employer and if any one of the following conditions is met:

(a) Any portion of the premium or benefits is paid by a small employer or any employee is reimbursed, whether through wage adjustments or otherwise, by a small employer for any portion of the health benefit plan premium; or

(b) The health benefit plan is treated by the employer or any of the employees as part of a plan or program for the purposes of section 106, section 125 or section 162 of the Internal Revenue Code of 1986, as amended.

(2) Subsection (1) of this section does not apply to:

(a) An individual health benefit plan for which a portion of the premium is reimbursed through a qualified small employer health reimbursement arrangement as defined in section 9831 of the Internal Revenue Code; or

(b) An individual health benefit plan that is considered to be integrated with a health reimbursement arrangement or other account-based group health plan authorized by federal law.

(3) Except as otherwise provided by ORS 743B.010 (Issuance of group health benefit plan to affiliated group of employers) to 743B.013 (Requirements for small employer health benefit plans) or other law, no health benefit plan offered to a small employer shall:

(a) Inhibit a carrier from contracting with providers or groups of providers with respect to health care services or benefits; or

(b) Impose any restriction on the ability of a carrier to negotiate with providers regarding the level or method of reimbursing care or services provided under health benefit plans.

(4) Intentionally left blank —Ed.

(a) A carrier may provide different health benefit plans to different categories of employees of a small employer when the employer has chosen to establish different categories of employees in a manner that does not relate to the actual or expected health status of such employees or their dependents. The categories must be based on bona fide employment-based classifications that are consistent with the employer’s usual business practice.

(b) Except as provided in ORS 743B.012 (Requirement to offer all health benefit plans to small employers) (7), a carrier that offers coverage to a small employer shall offer coverage to all eligible employees of the small employer.

(c) If a small employer elects to offer coverage to dependents of eligible employees, the carrier shall offer coverage to all dependents of eligible employees.

(5) An insurer may not deny, delay or terminate participation of an individual in a group health benefit plan or exclude coverage otherwise provided to an individual under a group health benefit plan based on a preexisting condition of the individual. [Formerly 743.734; 2017 c.152 §9; 2019 c.285 §6]

Source: Section 743B.011 — Group health benefit plans subject to provisions of specified laws; exemptions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743B.­html (accessed May 26, 2025).
ORS § 746.015 — OR Code / Title 56 / Chapter 746 / Section 746.015
746.015 Discrimination
Status: in_force

(1) No person shall make or permit any unfair discrimination between individuals of the same class and equal expectation of life, or between risks of essentially the same degree of hazard, in the availability of insurance, in the application of rates for insurance, in the dividends or other benefits payable under insurance policies, or in any other terms or conditions of insurance policies.

(2) Discrimination by an insurer in the application of its underwriting standards or rates based solely on an individual’s physical disability is prohibited, unless such action is based on sound actuarial principles or is related to actual or reasonably anticipated experience. For purposes of this subsection, “physical disability” shall include, but not be limited to, blindness, deafness, hearing or speaking impairment or loss, or partial loss, of function of one or more of the upper or lower extremities.

(3) Discrimination by an insurer in the application of its underwriting standards or rates based solely upon an insured’s or applicant’s attaining or exceeding 65 years of age is prohibited, unless such discrimination is clearly based on sound actuarial principles or is related to actual or reasonably anticipated experience.

(4) Intentionally left blank —Ed.

(a) An insurer may not, on the basis of the status of an insured or prospective insured as a victim of domestic violence or sexual violence, do any of the following:

(A) Deny, cancel or refuse to issue or renew an insurance policy;

(B) Demand or require a greater premium or payment;

(C) Designate domestic violence or sexual violence, physical or mental injuries sustained as a result of domestic violence or sexual violence or treatment received for such injuries as a condition for which coverage will be denied or reduced;

(D) Exclude or limit coverage for losses or deny a claim; or

(E) Fix any lower rate for or discriminate in the fees or commissions of an insurance producer for writing or renewing a policy.

(b) The fact that an insured or prospective insured is or has been a victim of domestic violence or sexual violence shall not be considered a permitted underwriting or rating criterion.

(c) Nothing in this subsection prohibits an insurer from taking an action described in paragraph (a) of this subsection if the action is otherwise permissible by law and is taken in the same manner and to the same extent with respect to all insureds and prospective insureds without regard to whether the insured or prospective insured is a victim of domestic violence or sexual violence.

(d) An insurer that complies in good faith with the requirements of this subsection shall not be subject to civil liability due to such compliance.

(e) For purposes of this subsection, “domestic violence” means the occurrence of one or more of the following acts between family or household members:

(A) Attempting to cause or intentionally or knowingly causing physical injury;

(B) Intentionally or knowingly placing another in fear of imminent serious physical injury; or

(C) Committing sexual abuse in any degree as defined in ORS 163.415 (Sexual abuse in the third degree) , 163.425 (Sexual abuse in the second degree) and 163.427 (Sexual abuse in the first degree) .

(f) For purposes of this subsection, “sexual violence” means the commission of a sexual offense described in ORS 163.305 (Definitions) to 163.467 (Private indecency) , 163.427 (Sexual abuse in the first degree) or 163.525 (Incest) .

(5) If the Director of the Department of Consumer and Business Services has reason to believe that an insurer in the application of its underwriting standards or rates is not complying with the requirements of this section, the director shall, unless the director has reason to believe the noncompliance is willful, give notice in writing to the insurer stating in what manner such noncompliance is alleged to exist and specifying a reasonable time, not less than 10 days after the date of mailing, in which the noncompliance may be corrected.

(6) Intentionally left blank —Ed.

(a) If the director has reason to believe that noncompliance by an insurer with the requirements of this section is willful, or if, within the period prescribed by the director in the notice required by subsection (5) of this section, the insurer does not make the changes necessary to correct the noncompliance specified by the director or establish to the satisfaction of the director that such specified noncompliance does not exist, the director may hold a hearing in connection therewith. Not less than 10 days before the date of such hearing the director shall mail to the insurer written notice of the hearing, specifying the matters to be considered.

(b) If, after the hearing, the director finds that the insurer’s application of its underwriting standards or rates violates the requirements of this section, the director may issue an order specifying in what respects such violation exists and stating when, within a reasonable period of time, further such application shall be prohibited. If the director finds that the violation was willful, the director may suspend or revoke the certificate of authority of the insurer.

(7) Affiliated workers’ compensation insurers having reinsurance agreements which result in one carrier ceding 80 percent or more of its workers’ compensation premium to the other, while utilizing different workers’ compensation rate levels without objective evidence to support such differences, shall be presumed to be engaging in unfair discrimination. [1967 c.359 §568; 1977 c.331 §1; 1979 c.140 §1; 1987 c.676 §2; 1987 c.884 §53; 1997 c.564 §1; 1999 c.59 §229; 2003 c.364 §134; 2007 c.70 §319; 2010 c.67 §1; 2013 c.681 §35]

Source: Section 746.015 — Discrimination; noncompliance; hearing , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 734.550 — OR Code / Title 56 / Chapter 734 / Section 734.550
734.550 Oregon Insurance Guaranty Association
Status: in_force

There is created the Oregon Insurance Guaranty Association. Each insurer that is a member insurer shall become and remain a member of the association as a condition of its authority to transact insurance in this state. The association shall perform its functions in accordance with a plan of operation established under ORS 734.590 (Plan of operation) , and shall exercise its powers through its board of directors. [1971 c.616 §6]

Source: Section 734.550 — Oregon Insurance Guaranty Association; all insurers required to be members; formation of operating plan , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 735.115 — OR Code / Title 56 / Chapter 735 / Section 735.115
735.115 Exemption of association from fees and taxes
Status: in_force

Except for taxes levied on real or personal property, the Oregon FAIR Plan Association shall be exempt from the payment of all fees and taxes levied by this state or by any city, county, district or other political subdivision of this state. [1971 c.321 §13]

Source: Section 735.115 — Exemption of association from fees and taxes , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 742.456 — OR Code / Title 56 / Chapter 742 / Section 742.456
742.456 When insurer’s liability accrues
Status: in_force

The liability of an insurer with respect to the motor vehicle liability insurance policy required by ORS 806.060 (Methods of compliance) , 806.240 (Proof of compliance with future responsibility filing requirement) or 806.270 (Certificate of insurance) shall become absolute whenever injury or damage covered by the policy occurs. The policy may not be canceled or annulled as to such liability by any agreement between the insurer and the insured after the occurrence of the injury or damage. No statement made by the insured or on behalf of the insured and in violation of the policy shall defeat or void the policy. This section does not apply to motor vehicle liability insurance policies other than those required in connection with ORS 806.060 (Methods of compliance) , 806.240 (Proof of compliance with future responsibility filing requirement) or 806.270 (Certificate of insurance) . [Formerly 486.551 and then 743.779]

Source: Section 742.456 — When insurer’s liability accrues; nonforfeiture provisions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 743b.001 — OR Code / Title 56 / Chapter 743b / Section 743b.001
743B.001 Definitions
Status: in_force

As used in this section and ORS 743.008 (Reporting requirements) , 743.029 (Uniform standards for health care financial and administrative transactions) , 743.035 (Uniform prior authorization form for prescription drug benefits) , 743A.190 (Children with pervasive developmental disorder) , 743B.195 (Enforcement of Newborns’ and Mothers’ Health Protection Act of 1996) , 743B.197 (Health Care Consumer Protection Advisory Committee) , 743B.200 (Requirements for insurers offering managed health insurance) , 743B.202 (Requirements for insurers offering managed health or preferred provider organization insurance) , 743B.204 (Required managed health insurance contract provision) , 743B.220 (Requirements for insurers that require designation of participating primary care physician) , 743B.225 (Continuity of care) , 743B.227 (Referrals to specialists) , 743B.250 (Required notices to applicants and enrollees) , 743B.252 (External review) , 743B.253 (Director to contract with independent review organizations to provide external review) , 743B.254 (Required statements regarding external reviews) , 743B.255 (Enrollee application for external review) , 743B.256 (Duties of independent review organizations) , 743B.257 (Civil penalty for failure to comply by insurer that agreed to be bound by decision) , 743B.258 (Private right of action) , 743B.310 (Rescinding coverage) , 743B.400 (Decisions regarding health care facility length of stay, level of care and follow-up care) , 743B.403 (Insurer prohibited practices) , 743B.405 (Medical services contract provisions) , 743B.420 (Prior authorization requirements) , 743B.422 (Utilization review requirements for medical services contracts to which insurer not party) , 743B.423 (Utilization review requirements for insurers offering health benefit plan) , 743B.424 (Applicability) , 743B.450 (Prompt payment of claims) , 743B.451 (Refund of paid claims) , 743B.452 (Interest on unpaid claims) , 743B.453 (Underpayment of claims) , 743B.454 (Claims submitted during credentialing period) , 743B.505 (Provider networks) , 743B.550 (Disclosure of information) , 743B.555 (Confidential communications) and 743B.602 (Step therapy) :

(1) “Adverse benefit determination” means an insurer’s denial, reduction or termination of a health care item or service, or an insurer’s failure or refusal to provide or to make a payment in whole or in part for a health care item or service, that is based on the insurer’s:

(a) Denial of eligibility for or termination of enrollment in a health benefit plan;

(b) Rescission or cancellation of a policy or certificate;

(c) Imposition of a preexisting condition exclusion as defined in ORS 743B.005 (Definitions) , source-of-injury exclusion, network exclusion, annual benefit limit or other limitation on otherwise covered items or services;

(d) Determination that a health care item or service is experimental, investigational or not medically necessary, effective or appropriate;

(e) Determination that a course or plan of treatment that an enrollee is undergoing is an active course of treatment for purposes of continuity of care under ORS 743B.225 (Continuity of care) ; or

(f) Denial, in whole or in part, of a request for prior authorization, a request for an exception to step therapy or a request for coverage of a treatment, drug, device or diagnostic or laboratory test that is subject to other utilization review requirements.

(2) “Authorized representative” means an individual who by law or by the consent of a person may act on behalf of the person.

(3) “Clinical review criteria” means screening procedures, decision rules, medical protocols and clinical guidance used by an insurer or other entity in conducting utilization review and evaluating:

(a) Medical necessity;

(b) Appropriateness of an item or health service for which prior authorization is requested or for which an exception to step therapy has been requested as described in ORS 743B.602 (Step therapy) ; or

(c) Any other coverage that is subject to utilization review.

(4) “Credit card” has the meaning given that term in 15 U.S.C. 1602.

(5) “Electronic funds transfer” has the meaning given that term in ORS 293.525 (Payments to and by state agencies by electronic funds transfers) .

(6) “Enrollee” has the meaning given that term in ORS 743B.005 (Definitions) .

(7) “Essential community provider” has the meaning given that term in rules adopted by the Department of Consumer and Business Services consistent with the description of the term in 42 U.S.C. 18031 and the rules adopted by the United States Department of Health and Human Services, the United States Department of the Treasury or the United States Department of Labor to carry out 42 U.S.C. 18031.

(8) “Grievance” means:

(a) A communication from an enrollee or an authorized representative of an enrollee expressing dissatisfaction with an adverse benefit determination, without specifically declining any right to appeal or review, that is:

(A) In writing, for an internal appeal or an external review; or

(B) In writing or orally, for an expedited response described in ORS 743B.250 (Required notices to applicants and enrollees) (2)(d) or an expedited external review; or

(b) A written complaint submitted by an enrollee or an authorized representative of an enrollee regarding the:

(A) Availability, delivery or quality of a health care service;

(B) Claims payment, handling or reimbursement for health care services and, unless the enrollee has not submitted a request for an internal appeal, the complaint is not disputing an adverse benefit determination; or

(C) Matters pertaining to the contractual relationship between an enrollee and an insurer.

(9) “Health benefit plan” has the meaning given that term in ORS 743B.005 (Definitions) .

(10) “Independent practice association” means a corporation wholly owned by providers, or whose membership consists entirely of providers, formed for the sole purpose of contracting with insurers for the provision of health care services to enrollees, or with employers for the provision of health care services to employees, or with a group, as described in ORS 731.098 (“Group health insurance.”) , to provide health care services to group members.

(11) “Insurer” includes a health care service contractor as defined in ORS 750.005 (Definitions) .

(12) “Internal appeal” means a review by an insurer of an adverse benefit determination made by the insurer.

(13) “Managed health insurance” means any health benefit plan that:

(a) Requires an enrollee to use a specified network or networks of providers managed, owned, under contract with or employed by the insurer in order to receive benefits under the plan, except for emergency or other specified limited service; or

(b) In addition to the requirements of paragraph (a) of this subsection, offers a point-of-service provision that allows an enrollee to use providers outside of the specified network or networks at the option of the enrollee and receive a reduced level of benefits.

(14) “Medical services contract” means a contract between an insurer and an independent practice association, between an insurer and a provider, between an independent practice association and a provider or organization of providers, between medical or mental health clinics, and between a medical or mental health clinic and a provider to provide medical or mental health services. “Medical services contract” does not include a contract of employment or a contract creating legal entities and ownership thereof that are authorized under ORS chapter 58, 60 or 70, or other similar professional organizations permitted by statute.

(15) Intentionally left blank —Ed.

(a) “Preferred provider organization insurance” means any health benefit plan that:

(A) Specifies a preferred network of providers managed, owned or under contract with or employed by an insurer;

(B) Does not require an enrollee to use the preferred network of providers in order to receive benefits under the plan; and

(C) Creates financial incentives for an enrollee to use the preferred network of providers by providing an increased level of benefits.

(b) “Preferred provider organization insurance” does not mean a health benefit plan that has as its sole financial incentive a hold harmless provision under which providers in the preferred network agree to accept as payment in full the maximum allowable amounts that are specified in the medical services contracts.

(16) “Prior authorization” means a form of utilization review that requires a provider or an enrollee to request a determination by an insurer, prior to the provision of health care that is subject to utilization review, that the insurer will provide reimbursement for the health care requested. “Prior authorization” does not include referral approval for evaluation and management services between providers.

(17) Intentionally left blank —Ed.

(a) “Provider” means a person licensed, certified or otherwise authorized or permitted by laws of this state to administer medical or mental health services in the ordinary course of business or practice of a profession.

(b) With respect to the statutes governing the billing for or payment of claims, “provider” also includes an employee or other designee of the provider who has the responsibility for billing claims for reimbursement or receiving payments on claims.

(18) “Step therapy” means a utilization review protocol, policy or program in which an insurer requires certain preferred drugs for treatment of a specific medical condition be proven ineffective or contraindicated before a prescribed drug may be reimbursed.

(19) “Utilization review” means a set of formal techniques used by an insurer or delegated by the insurer designed to monitor the use of or evaluate the medical necessity, appropriateness, efficacy or efficiency of health care items, services, procedures or settings. [Formerly 743.801; 2017 c.101 §54; 2017 c.384 §10; 2019 c.284 §§8,12; 2021 c.154 §§7,8]

Source: Section 743B.001 — Definitions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743B.­html (accessed May 26, 2025).
ORS § 731.636 — OR Code / Title 56 / Chapter 731 / Section 731.636
731.636 Deposit or trusteed assets of alien insurer required
Status: in_force

(1) Except as provided in subsection (3) of this section, every alien insurer, before transacting insurance in this state as an authorized insurer, shall deposit with the Department of Consumer and Business Services the sum of the following amounts:

(a) The amount of its outstanding liabilities arising out of its insurance transactions in the United States; and

(b) Its required capitalization.

(2) ORS 731.640 (Eligible deposits) (1)(d) does not apply with respect to such deposit.

(3) In lieu of such deposit, the insurer may furnish evidence satisfactory to the Director of the Department of Consumer and Business Services that it maintains in the United States, by way of trust deposits with public depositories or with trust institutions acceptable to the director, assets at least equal to the deposit otherwise required by this section. [1967 c.359 §120; 1999 c.196 §6]

Source: Section 731.636 — Deposit or trusteed assets of alien insurer required , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 734.190 — OR Code / Title 56 / Chapter 734 / Section 734.190
734.190 Grounds for conservation of foreign and alien insurers
Status: in_force

The Director of the Department of Consumer and Business Services may apply for an order directing the director to conserve the assets within this state of a foreign or alien insurer upon any one or more of the following grounds:

(1) Any of the grounds specified in ORS 734.150 (Grounds for rehabilitation of domestic insurers) ; or

(2) That its property has been sequestrated in any jurisdiction. [1967 c.359 §273; 1993 c.447 §98]

Source: Section 734.190 — Grounds for conservation of foreign and alien insurers , https://www.­oregonlegislature.­gov/bills_laws/ors/ors734.­html (accessed May 26, 2025).
ORS § 746.195 — OR Code / Title 56 / Chapter 746 / Section 746.195
746.195 Insurance on property securing loan or credit
Status: in_force

(1) A depository institution may not:

(a) Solicit the sale of insurance for the protection of real or personal property after a person indicates interest in securing a loan or credit extension, until the depository institution has agreed to make the loan or credit extension;

(b) Refuse to accept a written binder issued by an insurance producer as proof that temporary insurance exists covering the real or personal property that is the subject matter of, or security for, a loan or extension of credit, and that a policy of insurance will be issued covering that property. A written binder issued by an insurance producer or insurer covering real or personal property that is the subject matter of, or security for, a loan or extension of credit shall be effective until a policy of insurance is issued in lieu thereof, including within its terms the identical insurance bound under the binder and the premium therefor, or until notice of the cancellation of the binder is received by the borrower and the depository institution extending credit or offering the loan. When a depository institution closes on a binder under ORS 742.043 (Binders) , the insurance producer or insurer issuing the binder shall be bound to provide a policy of insurance, equivalent in coverage to the coverage set forth in the binder, within 60 days from the date of the binder. The provisions of this paragraph do not apply when prohibited by federal or state statute or regulations; or

(c) Use or disclose to any other insurance producer, other than the original insurance producer, the information relating to a policy of insurance furnished by a borrower unless the original insurance producer fails to deliver a policy of insurance within 60 days prior to expiration to the depository institution without first procuring the written consent of the borrower.

(2) As used in this section, “depository institution” means a financial institution as that term is defined in ORS 706.008 (Additional definitions for Bank Act) . [1977 c.742 §4; 1987 c.916 §10; 2003 c.363 §12; 2003 c.364 §144a]

Source: Section 746.195 — Insurance on property securing loan or credit; certain practices by depository institutions prohibited , https://www.­oregonlegislature.­gov/bills_laws/ors/ors746.­html (accessed May 26, 2025).
ORS § 744.087 — OR Code / Title 56 / Chapter 744 / Section 744.087
744.087 Filing insurance producers compensation agreements
Status: in_force

The Director of the Department of Consumer and Business Services may require the filing by an insurer of any compensation agreements for insurance producers who are appointed by the insurer as agents of the insurer under ORS 744.078 (Appointment of insurance producers) . No such filing shall be deemed a “public record” as defined in ORS 192.311 (Definitions for ORS 192.311 to 192.478) . [Formerly 744.245; 2003 c.364 §25]

Source: Section 744.087 — Filing insurance producers compensation agreements; filing not public record , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 743b.287 — OR Code / Title 56 / Chapter 743b / Section 743b.287
743B.287 Balance billing prohibited for health care facility services
Status: in_force

(1) As used in this section:

(a) “Emergency services” has the meaning given that term in ORS 743A.012 (Emergency services) .

(b) “Enrollee” means:

(A) An individual who is enrolled in a health benefit plan or a covered dependent or beneficiary of the individual; or

(B) A subscriber to a health care service contract or a covered dependent or beneficiary of the subscriber.

(c) “Health benefit plan” has the meaning given that term in ORS 743B.005 (Definitions) .

(d) “Health care facility” has the meaning given that term in ORS 442.015 (Definitions) , excluding long term care facilities.

(e) “Health care service contractor” has the meaning given that term in ORS 750.005 (Definitions) .

(f) “In-network” has the meaning given that term in ORS 743B.280 (Definitions for ORS 743B.280 to 743B.285) .

(g) “Out-of-network” means a provider or provider group that has not contracted or has indirectly contracted with the insurer or health care service contractor.

(2) A provider who is an out-of-network provider may not bill an enrollee in the health benefit plan or health care service contract for emergency services or other inpatient or outpatient services provided at an in-network health care facility.

(3) Subsection (2) of this section does not apply:

(a) To applicable coinsurance, copayments or deductible amounts that apply to services provided by an in-network provider; or

(b) To services, other than emergency services, provided to enrollees who choose to receive services from an out-of-network provider.

(4) Intentionally left blank —Ed.

(a) If labor and delivery services are provided to an individual insured under a health benefit plan or a health care service contract at an out-of-network health care facility due solely to the diversion of the individual from an in-network health care facility during a state or federally declared public health emergency, the health benefit plan or health care service contract:

(A) Intentionally left blank —Ed.

(i) Shall reimburse the out-of-network provider in accordance with 42 U.S.C. 300gg-111(c) or in accordance with a method adopted by the Department of Consumer and Business Services by rule; and

(ii) May not impose a deductible, out-of-pocket maximum, copayment or coinsurance requirement that exceeds the deductible, out-of-pocket maximum, copayment or coinsurance applicable to in-network providers of labor and delivery services.

(B) Shall provide coverage, as prescribed in ORS 743A.012 (Emergency services) (2) and (3), for emergency medical services transports of the individual between medical facilities if the individual presents with signs of labor.

(b) Paragraph (a)(A)(i) of this subsection does not apply to services provided by an in-network provider at an out-of-network health care facility.

(5) If an enrollee chooses to receive services from an out-of-network provider, the provider shall inform the enrollee that the enrollee will be financially responsible for coinsurance, copayments or other out-of-pocket expenses attributable to choosing an out-of-network provider. [2017 c.417 §2; 2018 c.43 §§4,6; 2022 c.72 §1]

Note: 743B.287 (Balance billing prohibited for health care facility services) was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 743B or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 743B.287 — Balance billing prohibited for health care facility services , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743B.­html (accessed May 26, 2025).
ORS § 742.208 — OR Code / Title 56 / Chapter 742 / Section 742.208
742.208 Concealment
Status: in_force

A fire insurance policy shall contain the following provisions:

(1) Subject to subsections (2) and (3) of this section, this entire policy shall be void if, whether before or after a loss, the insured has willfully concealed or misrepresented any material fact or circumstance concerning this insurance or the subject thereof, or the interest of the insured therein, or in case of any fraud or false swearing by the insured relating thereto.

(2) All statements made by or on behalf of the insured, in the absence of fraud, shall be deemed representations and not warranties. No such statements that arise from an error in the application shall be used in defense of a claim under the policy unless:

(a) The statements are contained in a written application; and

(b) A copy of the application is indorsed upon or attached to the policy when issued.

(3) In order to use any representation by or on behalf of the insured in defense of a claim under the policy, the insurer must show that the representations are material and that the insurer relied on them. [Formerly 743.612]

Source: Section 742.208 — Concealment; fraud; representations by insured , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 750.535 — OR Code / Title 56 / Chapter 750 / Section 750.535
750.535 Registration requirements
Status: in_force

An applicant for registration as a legal expense organization must do all of the following in order to obtain registration:

(1) Apply for the registration under ORS 750.545 (Application) .

(2) File with the Director of the Department of Consumer and Business Services in writing the address, including street and number, and mailing address, if different, of the organization’s initial registered office and the name of its initial registered agent at that office.

(3) Meet the following qualifications:

(a) The applicant must be financially responsible and the organization able to meet its obligations to its members.

(b) The directors, officers or managers of the organization must be competent, trustworthy and experienced managerially, as determined by the director after investigation or upon receipt of reliable information. [1989 c.331 §5]

Source: Section 750.535 — Registration requirements , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 732.521 — OR Code / Title 56 / Chapter 732 / Section 732.521
732.521 Activities that are prohibited unless specified procedures followed
Status: in_force

(1) Unless a person first satisfies the provisions of ORS 732.517 (Purpose of ORS 732.517 to 732.546) to 732.546 (Severability) , the person may not engage in any of the following activities:

(a) A person other than the person that issues voting securities of a domestic insurer may not acquire or attempt to acquire control of the domestic insurer. For purposes of this paragraph, a person acquires or attempts to acquire control of a domestic insurer if, as a result of engaging in and completing any of the following actions, in the open market or otherwise, the person would directly or indirectly control the domestic insurer, or would control the domestic insurer by exercising a right to acquire or by conversion:

(A) Making a tender offer for or a request or invitation for tenders of any voting security of the domestic insurer;

(B) Entering into any agreement to exchange securities for any voting security of the domestic insurer; or

(C) Acquiring or seeking to acquire any voting security of the domestic insurer.

(b) A person may not enter into an agreement to merge with or otherwise acquire control of a domestic insurer.

(c) A person may not engage or attempt to engage in any of the following activities:

(A) Acquiring, directly or indirectly, ownership of all or a significant portion of the assets of a domestic insurer. For purposes of this subparagraph, such an acquisition includes an offer, a request or invitation for offers, an acquisition or series of acquisitions in the open market, an exchange offer or agreement, an agreement that provides an option to purchase, or a purchase of or offer to purchase securities that are convertible into voting securities.

(B) Bulk reinsurance by one insurer of all or a significant portion of the insurance, or a major class of the insurance, in force with another insurer or related or affiliated group of insurers. The provisions of this subparagraph do not apply to ordinary or customary reinsurance, or reinsurance pursuant to a treaty or treaties approved by the director.

(C) Any other arrangement that brings together under common ownership, control or responsibility all or a significant portion of the assets, liabilities or insurance in force of two or more persons, at least one of which is a domestic insurer.

(2) The provisions of subsection (1) of this section do not apply to any offer, request, invitation, agreement or acquisition the Director of the Department of Consumer and Business Services exempts by order as:

(a) Not having been made or entered into for the purpose and not having the effect of changing or influencing the control or ownership of a domestic insurer; or

(b) Otherwise not comprehended within the purposes of subsection (1) of this section.

(3) Subject to the requirements of ORS 732.517 (Purpose of ORS 732.517 to 732.546) to 732.546 (Severability) , a domestic stock insurer, domestic mutual insurer, domestic reciprocal insurer or domestic health care service contractor that is a corporation for profit may merge or consolidate with a stock insurer, mutual insurer, reciprocal insurer or health care service contractor that is a corporation for profit.

(4) Intentionally left blank —Ed.

(a) A person that seeks in any manner to give up a controlling interest in a domestic insurer shall file a confidential notice of the person’s proposed divestiture with the director and send a copy of the notice to the domestic insurer at least 30 days before the person ceases to own or hold a controlling interest in the domestic insurer. The notice is confidential until the transaction that transfers control of the domestic insurer concludes, unless the director determines, at the director’s sole discretion, that keeping the notice confidential will interfere with the enforcement of this subsection.

(b) The director shall determine in which instances an acquisition or divestiture of control will require a person to file for and obtain approval of the transaction.

(c) This subsection does not apply if a person files a statement under ORS 732.523 (Procedure for acquiring controlling interest of capital stock) .

(5) If an acquisition is otherwise subject to this section, the acquiring party shall file a notice with the director in accordance with ORS 732.539 (Notification of acquisition) . An acquiring party that does not file the notice may be subject to the penalty specified in ORS 731.988 (Civil penalties) (5). [1993 c.447 §§27,28; 1997 c.771 §19; 1999 c.362 §65; 2013 c.370 §18]

Source: Section 732.521 — Activities that are prohibited unless specified procedures followed; exceptions; notice of divestiture , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 735.045 — OR Code / Title 56 / Chapter 735 / Section 735.045
735.045 Oregon FAIR Plan Association
Status: in_force

There is hereby created the Oregon FAIR Plan Association. Each insurer that is a member insurer shall become and remain a member of the association as a condition of its authority to transact insurance in this state. The association shall perform its functions in accordance with a plan of operation established pursuant to ORS 735.085 (Plan of operation) , and shall exercise its powers through its board of directors. [1971 c.321 §6]

Source: Section 735.045 — Oregon FAIR Plan Association; insurers required to be members; plan of operation , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 737.505 — OR Code / Title 56 / Chapter 737 / Section 737.505
737.505 Insured entitled to rate information
Status: in_force

(1) Every rating organization and every insurer which makes its own rates, within a reasonable time after receiving written request therefor and upon payment of such reasonable charge as it may make, shall furnish to any insured affected by a rate made by it, or to the authorized representative of such insured, all pertinent information as to such rate.

(2) Every rating organization and every insurer which makes its own rates shall provide within this state reasonable means whereby any person aggrieved by the application of its rating system may be heard, in person or by the authorized representative, on written request by the person or authorized representative to review the manner in which such rating system has been applied in connection with the insurance afforded the person. If the rating organization or insurer fails to grant or reject such request within 30 days after it is made, the applicant may proceed in the same manner as if the application had been rejected.

(3) Any party affected by the action of such rating organization or such insurer on such request, within 30 days after written notice of such action, may appeal to the Director of the Department of Consumer and Business Services, who, after a hearing held at a place designated by the director upon not less than 10 days’ written notice to the appellant and to such rating organization or insurer, shall affirm or reverse such action.

(4) Appeals to the director pursuant to ORS 737.318 (Premium audit program for workers’ compensation insurance) with regard to a final premium audit billing must be made within 60 days after receipt of the billing.

(5) The director may, upon a showing of good cause, stay any workers’ compensation insurer’s collection effort on a final premium audit billing during the pendency of an appeal authorized by subsection (4) of this section. [Amended by 1967 c.359 §327; 1987 c.884 §6]

Source: Section 737.505 — Insured entitled to rate information; remedies of aggrieved persons , https://www.­oregonlegislature.­gov/bills_laws/ors/ors737.­html (accessed May 26, 2025).
ORS § 744.089 — OR Code / Title 56 / Chapter 744 / Section 744.089
744.089 Report of administrative action taken against insurance producer
Status: in_force

(1) An insurance producer shall report to the Director of the Department of Consumer and Business Services any administrative action taken against the insurance producer in another jurisdiction or by another governmental agency in this state not later than the 30th day after the date of the final disposition of the matter. This report shall include a copy of the order, consent to order and other relevant legal documents.

(2) Not later than the 30th day after the initial pretrial hearing date, an insurance producer shall report to the director any criminal prosecution of the insurance producer taken in any jurisdiction. The report shall include a copy of the initial complaint filed, the order resulting from the hearing and any other relevant legal documents. [2001 c.191 §19; 2003 c.364 §26]

Source: Section 744.089 — Report of administrative action taken against insurance producer , https://www.­oregonlegislature.­gov/bills_laws/ors/ors744.­html (accessed May 26, 2025).
ORS § 731.381 — OR Code / Title 56 / Chapter 731 / Section 731.381
731.381 Exemption from taxes for foreign and alien insurers engaging in activities authorized by ORS 731.380
Status: in_force

Engaging in the activities authorized by ORS 731.380 (Authority of foreign and alien insurers to take, acquire, hold and enforce notes secured by mortgages) by a foreign or alien insurer shall not subject the foreign or alien insurer to any tax, license fee or charge, except as provided in ORS 731.380 (Authority of foreign and alien insurers to take, acquire, hold and enforce notes secured by mortgages) , for the privilege of doing business within the State of Oregon or to any tax measured by net or gross income. However, if the foreign or alien insurer acquires any property given as security for such a mortgage or trust deed, all income accruing to the foreign or alien insurer solely from the ownership, sale or other disposal of such property is subject to taxation in the same manner and on the same basis as income of corporations doing business in this state. [1987 c.94 §119]

Source: Section 731.381 — Exemption from taxes for foreign and alien insurers engaging in activities authorized by ORS 731.380 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 743a.082 — OR Code / Title 56 / Chapter 743a / Section 743a.082
743A.082 Diabetes management for pregnant women
Status: in_force

(1) Except as provided in subsections (2) and (3) of this section, a health benefit plan, as defined in ORS 743B.005 (Definitions) , may not require a copayment or impose a coinsurance requirement or a deductible on the covered health services, medications and supplies that are medically necessary for a woman to manage her diabetes during the period of each pregnancy, beginning with conception and ending six weeks postpartum.

(2) Subsection (1) of this section does not apply to a high deductible health plan described in 26 U.S.C. 223.

(3) The coverage required by subsection (1) of this section may be limited by network and formulary restrictions that apply to other benefits under the plan. Subsection (1) of this section does not apply to services, medications, test strips and syringes that are not covered due to the network or formulary restrictions.

(4) An insurer may require an enrollee or the enrollee’s health care provider to notify the insurer orally, in a timely manner, that the enrollee is diabetic and is pregnant or has given birth and is within six weeks postpartum. [2013 c.682 §2; 2014 c.74 §1]

Note: 743A.082 (Diabetes management for pregnant women) was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 743A or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 743A.082 — Diabetes management for pregnant women , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743A.­html (accessed May 26, 2025).
ORS § 731.104 — OR Code / Title 56 / Chapter 731 / Section 731.104
731.104 “Insurance producer.”
Status: in_force

“Insurance producer” means a person required to be licensed under the laws of this state to sell, solicit or negotiate insurance. For purposes of this definition:

(1) “Negotiate” means to confer directly with or to offer advice directly to a purchaser or prospective purchaser of a particular policy of insurance concerning any of the substantive benefits, terms or conditions of the policy, if the person engaged in that act:

(a) Sells insurance; or

(b) Obtains insurance from insurers for purchasers.

(2) “Sell” means to exchange a policy of insurance by any means, for money or its equivalent, on behalf of an insurer.

(3) “Solicit” means to attempt to sell a policy of insurance or to ask or urge a person to apply for a particular kind of insurance from a particular insurer. [Formerly 731.062]

Source: Section 731.104 — “Insurance producer.” , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 743b.403 — OR Code / Title 56 / Chapter 743b / Section 743b.403
743B.403 Insurer prohibited practices
Status: in_force

No insurer may terminate or otherwise financially penalize a provider for:

(1) Providing information to or communicating with a patient in a manner that is not slanderous, defamatory or intentionally inaccurate concerning:

(a) Any aspect of the patient’s medical condition;

(b) Any proposed treatment or treatment alternatives, whether covered by the insurer’s health benefit plan or not; or

(c) The provider’s general financial arrangement with the insurer.

(2) Intentionally left blank —Ed.

(a) Referring a patient to another provider, whether or not that provider is under contract with the insurer. If a provider refers a patient to another provider, the referring provider shall:

(A) Comply with the insurer’s written policies and procedures with respect to any such referrals; and

(B) Inform the patient that the referral services may not be covered by the insurer.

(b) Allocation of costs for referral services shall be a matter of contract between the provider and the insurer. Allocation of costs to the provider by contract shall not be considered a penalty under this section. [Formerly 743.834]

Source: Section 743B.403 — Insurer prohibited practices; patient communication and referral , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743B.­html (accessed May 26, 2025).
ORS § 743.416 — OR Code / Title 56 / Chapter 743 / Section 743.416
743.416 Due date for first premium payment
Status: in_force

An insurer offering an individual health benefit plan may establish a due date for payment of the first premium for the plan no earlier than 15 days after the date that the coverage begins or 15 days after the insurer sends the initial invoice to the insured, whichever is later. [2021 c.205 §3]

Note: 743.416 (Due date for first premium payment) was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 743 or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 743.416 — Due date for first premium payment , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 742.210 — OR Code / Title 56 / Chapter 742 / Section 742.210
742.210 Uninsurable and excepted property
Status: in_force

A fire insurance policy shall contain a provision as follows: “This policy shall not cover accounts, bills, currency, deeds, evidences of debt, money or securities; nor, unless specifically named hereon in writing, bullion or manuscripts.” [Formerly 743.615]

Source: Section 742.210 — Uninsurable and excepted property , https://www.­oregonlegislature.­gov/bills_laws/ors/ors742.­html (accessed May 26, 2025).
ORS § 743a.250 — OR Code / Title 56 / Chapter 743a / Section 743a.250
743A.250 Emergency eye care services
Status: in_force

(1) As used in this section:

(a) “Eye care practitioner” means an optometrist or ophthalmologist licensed by the State of Oregon.

(b) “Eye care services” means health care services related to the care of the eye and related structures as specified by a health benefit plan.

(c) “Health benefit plan” has the meaning provided for that term in ORS 743B.005 (Definitions) .

(2) Any insurer that offers a health benefit plan that provides coverage of eye care services shall allow any enrollee to receive covered eye care services on an emergency basis without first receiving a referral or prior authorization from a primary care provider. However, an insurer may require the enrollee to receive a referral or prior authorization from a primary care provider for any subsequent surgical procedures. Nothing in this subsection shall be construed to require that covered eye care services rendered by an eye care practitioner on an emergency basis be furnished in a hospital or similar medical facility.

(3) An insurer described in subsection (2) of this section may not:

(a) Impose a deductible or coinsurance for eye care services that is greater than the deductible or coinsurance imposed for other medical services under the health benefit plan.

(b) Require an eye care practitioner to hold hospital privileges as a condition of participation as a provider in the health benefit plan.

(4) Nothing in this section:

(a) Requires an insurer to provide coverage or reimbursement of eye care services;

(b) Requires an insurer to provide coverage or reimbursement of refractive surgery, ophthalmic materials, lenses, eyeglasses or other appurtenances; or

(c) Prevents an enrollee from receiving eye care or other covered services from the enrollee’s primary care provider in accordance with the terms of the enrollee’s health benefit plan.

(5) This section is exempt from ORS 743A.001 (Automatic repeal of certain statutes on individual and group health insurance) . [Formerly 743.842]

Note: 743A.250 (Emergency eye care services) was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 743A or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 743A.250 — Emergency eye care services , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743A.­html (accessed May 26, 2025).
ORS § 743.498 — OR Code / Title 56 / Chapter 743 / Section 743.498
743.498 Statement in policy of cancelability or renewability
Status: in_force

(1) A health insurance policy which is noncancelable or guaranteed renewable as those terms are used in ORS 743.495 (Use of terms “noncancelable” or “guaranteed renewable”) , except that the insured’s right is for a limited period of more than one year rather than for life, shall contain the applicable one of the following statements, or such other statement which, in the opinion of the Director of the Department of Consumer and Business Services, is equally clear or more definite as to the subject matter:

(a) “THIS POLICY IS NONCANCELABLE ______” (designating the applicable period such as, for example, “to age ___ (specify),” or “for the period of ___ (specify) years from date of issuance”) if the policy is noncancelable for such period.

(b) “THIS POLICY IS GUARANTEED RENEWABLE ______” (designating the applicable period such as, for example, “to age ___ (specify),” or “for the period of ___ (specify) years from date of issuance”) if the policy is guaranteed renewable for such period.

(2) Except for policies meeting the conditions specified in ORS 743.495 (Use of terms “noncancelable” or “guaranteed renewable”) or subsection (1) of this section, and except as provided in subsection (3) of this section, a health insurance policy shall contain the applicable one of the following statements, or such other statement which, in the opinion of the director, is equally clear or more definite as to the subject matter:

(a) “THIS POLICY MAY BE CANCELED BY THE INSURER ONLY FOR A REASON PERMITTED BY LAW” if the policy contains a provision for cancellation by the insurer.

(b) “THE INSURER MAY REFUSE TO RENEW THIS POLICY ONLY FOR A REASON PERMITTED BY LAW” if the policy is not guaranteed renewable.

(3) The limitations and requirements as to the use of terms contained in ORS 743.495 (Use of terms “noncancelable” or “guaranteed renewable”) and this section shall not prohibit the use of other terms for policies having other guarantees of renewability, provided such terms, in the opinion of the director are accurate, clear and not likely to be confused with the terms contained in ORS 743.495 (Use of terms “noncancelable” or “guaranteed renewable”) and this section, and are incorporated in a concise statement relating to the guarantees of renewability.

(4) The statement required by this section shall be printed in a type not smaller than the type used for captions. It shall appear prominently on the first page of the policy and shall be a part of the brief description if the policy has a brief description on its first page. [Formerly 741.200; 1989 c.784 §20a]

Source: Section 743.498 — Statement in policy of cancelability or renewability , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 731.228 — OR Code / Title 56 / Chapter 731 / Section 731.228
731.228 Prohibited interests and rewards
Status: in_force

(1) No officer or employee of the Department of Consumer and Business Services delegated responsibilities in the enforcement of the Insurance Code shall:

(a) Be a director, officer, or employee of or be financially interested in any person regulated by the department or office of the department that is delegated responsibility in the enforcement of the Insurance Code, except as a policyholder or claimant under an insurance policy or by reason of rights vested in commissions, fees, or retirement benefits related to services performed prior to affiliation with the department; or

(b) Be engaged in any other business or occupation interfering with or inconsistent with the duties of the office or employment.

(2) No person shall directly or indirectly give or pay, or offer to give or pay, to the Director of the Department of Consumer and Business Services, or any officer or employee of the department, and the director or such officer or employee shall not directly or indirectly solicit, receive or accept any fee, compensation, loan, gift or other thing of value in addition to the compensation and expense allowance provided by law, for:

(a) Any service rendered or to be rendered as such director, officer or employee, or in connection therewith;

(b) Services rendered or to be rendered in relation to legislation;

(c) Extra services rendered or to be rendered; or

(d) Any cause whatsoever related to any person regulated by the department or office of the department that is delegated responsibility in the enforcement of the Insurance Code.

(3) This section does not permit any conduct, affiliation or interest that is otherwise prohibited by public policy. [1967 c.359 §50; 1987 c.373 §78]

Source: Section 731.228 — Prohibited interests and rewards , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 733.650 — OR Code / Title 56 / Chapter 733 / Section 733.650
733.650 Investment of funds in certain obligations and other specified items
Status: in_force

Funds of an insurer may be invested in the following:

(1) Obligations secured by a mortgage or deed of trust payment of which is guaranteed by a policy of mortgage insurance.

(2) Obligations issued, assumed or guaranteed by the International Bank for Reconstruction and Development.

(3) Bank and bankers’ acceptances and other bills of exchange of the kind and nature made eligible by law for purchase in the open market by federal reserve banks.

(4) Deposits, certificates of deposits, accounts or savings or certificate shares or accounts of or in banks, trust companies, savings and loan associations or building and loan associations insured with the Federal Deposit Insurance Corporation or qualified to do business under the laws of this state.

(5) Obligations issued by trustees or receivers of a corporation created or existing under the laws of a sovereign which, or the assets of which, are being administered under the direction of a court having jurisdiction if the obligation is adequately secured as to principal and interest.

(6) Transportation equipment used wholly or in part within a sovereign, or adequately secured trust certificates of participation or similar obligations or contracts evidencing an interest in such transportation equipment, where the investor is entitled to receive a determined or determinable portion of rental, purchase or other obligatory payments for use or purchase of the equipment.

(7) Purchase contracts or lease-purchase agreements executed under the Federal Public Buildings Purchase Contract Act of 1954, or the Post Office Department Property Act of 1954.

(8) Stock of the Federal Home Loan Bank to the extent of the minimum required by the Federal Home Loan Bank Act. An insurer acquiring such stock may exercise all rights and powers given to members under such Act, including but not by way of limitation the right to obtain advances or borrow money from such bank and to pledge collateral as security therefor.

(9) Obligations issued, assumed or guaranteed by the Inter-American Development Bank.

(10) Obligations issued, assumed or guaranteed by the Asian Development Bank.

(11) Obligations issued, assumed or guaranteed by the African Development Bank. [Formerly 738.295; 1969 c.336 §9; 1969 c.692 §8; 1973 c.514 §1; 1985 c.456 §2; 1993 c.447 §114; 2007 c.426 §6]

Source: Section 733.650 — Investment of funds in certain obligations and other specified items , https://www.­oregonlegislature.­gov/bills_laws/ors/ors733.­html (accessed May 26, 2025).
ORS § 743.306 — OR Code / Title 56 / Chapter 743 / Section 743.306
743.306 Required provisions in group life insurance policies
Status: in_force

(1) Except as provided in subsection (2) of this section a group life insurance policy shall contain in substance the provisions described in ORS 743.309 (Nonforfeiture provisions) to 743.342 (Statement furnished to insured under credit life insurance policy) .

(2) The provisions described in ORS 743.327 (Payments under policy) to 743.339 (Death during period for conversion to individual policy) shall not apply to policies of group credit life insurance. [1967 c.359 §413]

Source: Section 743.306 — Required provisions in group life insurance policies , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 731.398 — OR Code / Title 56 / Chapter 731 / Section 731.398
731.398 Amendment of certificate of authority
Status: in_force

The Director of the Department of Consumer and Business Services at any time may amend an insurer’s certificate of authority to accord with lawful changes in the insurer’s charter or insuring powers. [1967 c.359 §84]

Source: Section 731.398 — Amendment of certificate of authority , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 732.155 — OR Code / Title 56 / Chapter 732 / Section 732.155
732.155 Organization to be completed within two years
Status: in_force

(1) If the Director of the Department of Consumer and Business Services finds that any domestic insurer has not completed its organization and qualified for a certificate of authority within two years from the date of filing its articles of incorporation, the director may order the application abandoned and close the files in which event its corporate powers shall expire and the director shall proceed as for an impaired insurer.

(2) If any domestic insurer does not commence to issue policies within one year from the date of receiving its certificate of authority, the director shall proceed as for an impaired insurer. [1967 c.359 §161]

Source: Section 732.155 — Organization to be completed within two years; policies to be issued within one year of certification , https://www.­oregonlegislature.­gov/bills_laws/ors/ors732.­html (accessed May 26, 2025).
ORS § 741.002 — OR Code / Title 56 / Chapter 741 / Section 741.002
741.002 Duties, powers and functions of Oregon Health Authority
Status: in_force

(1) The duties of the Oregon Health Authority include:

(a) Administering a health insurance exchange in accordance with federal law to make qualified health plans available to individuals and groups throughout this state.

(b) Providing information in writing, through an Internet-based clearinghouse and through a toll-free telephone line, that will assist individuals and small businesses in making informed health insurance decisions and that may include:

(A) The rating assigned to each health plan and the rating criteria that were used;

(B) Quality and enrollee satisfaction survey results; and

(C) The comparative costs, benefits, provider networks of health plans and other useful information.

(c) Establishing and maintaining an electronic calculator that allows individuals and employers to determine the cost of coverage after deducting any applicable tax credits or cost-sharing reduction.

(d) Operating a call center dedicated to answering questions from individuals seeking enrollment in a qualified health plan.

(2) The authority shall:

(a) Screen, certify and recertify health plans as qualified health plans according to the requirements, standards and criteria adopted by the authority under ORS 741.310 (Requirements for purchase of insurance through exchange and for participation of insurers in exchange) and ensure that qualified health plans provide choices of coverage.

(b) Decertify or suspend, in accordance with ORS chapter 183, the certification of a health plan that fails to meet federal and state standards in order to exclude the health plan from participation in the exchange.

(c) Promote fair competition of carriers participating in the exchange by certifying multiple health plans as qualified under ORS 741.310 (Requirements for purchase of insurance through exchange and for participation of insurers in exchange) .

(d) Assign ratings to health plans in accordance with criteria established by the United States Secretary of Health and Human Services and by the authority.

(e) Establish open and special enrollment periods for all enrollees, and monthly enrollment periods for Native Americans that are consistent with federal law.

(f) Assist individuals and groups to enroll in qualified health plans, including defined contribution plans as defined in section 414 of the Internal Revenue Code and, if appropriate, collect and remit premiums for such individuals or groups.

(g) Facilitate community-based assistance with enrollment in qualified health plans by awarding grants to entities that are certified as navigators as described in 42 U.S.C. 18031(i).

(h) Provide employers with the names of employees who end coverage under a qualified health plan during a plan year.

(i) Provide information to the federal government necessary for individuals who are enrolled in qualified health plans through the exchange to receive tax credits and reduced cost-sharing.

(j) Provide to the federal government any information necessary to comply with federal requirements including:

(A) Information regarding employees who have reported a change in employer; and

(B) Information regarding individuals who have ended coverage during a plan year.

(k) Take any other actions necessary and appropriate to comply with the federal requirements for a health insurance exchange.

(L) Work in coordination with the Oregon Health Policy Board in carrying out its duties.

(3) The authority may adopt rules necessary to carry out its duties and functions under ORS 741.001 (Health insurance exchange) to 741.540 (Complaints and investigations confidential) .

(4) The authority may contract or enter into an intergovernmental agreement with the federal government to perform any of the duties and functions described in ORS 741.001 (Health insurance exchange) to 741.540 (Complaints and investigations confidential) . [2011 c.415 §3; 2012 c.38 §1; 2012 c.107 §88; 2015 c.3 §17; 2021 c.569 §18; 2023 c.584 §2]

Source: Section 741.002 — Duties, powers and functions of Oregon Health Authority; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors741.­html (accessed May 26, 2025).
ORS § 731.194 — OR Code / Title 56 / Chapter 731 / Section 731.194
731.194 “Wet marine and transportation insurance.”
Status: in_force

“Wet marine and transportation insurance” is that part of marine and transportation insurance that includes only:

(1) Insurance upon vessels, crafts, hulls and of interests therein or with relation thereto;

(2) Insurance of marine builder’s risks, marine war risks and contracts referred to in ORS 731.174 (“Marine and transportation insurance.”) (2) or any replacement thereof;

(3) Insurance of freights and disbursements pertaining to a subject of insurance coming within this section;

(4) Insurance of personal property and interests therein, in course of exportation from or importation into any country, and in course of transportation coastwise or on inland waters, including transportation by land, water, or air from point of origin to final destination, in respect to, appertaining to or in connection with, any and all risks or perils of navigation, transit or transportation, and while being prepared for and while awaiting shipment, and during any delays, storage, transshipment or reshipment incident thereto;

(5) Insurance on operations of railroads engaged in transportation in interstate commerce and their property used in such operations; and

(6) Insurance of aircraft operated in scheduled interstate flight, or cargo of such aircraft, or against this liability other than workers’ compensation and employers’ liability arising out of the ownership, maintenance or use of such aircraft. [1967 c.359 §43; 1987 c.774 §114]

Source: Section 731.194 — “Wet marine and transportation insurance.” , https://www.­oregonlegislature.­gov/bills_laws/ors/ors731.­html (accessed May 26, 2025).
ORS § 743.650 — OR Code / Title 56 / Chapter 743 / Section 743.650
743.650 Long Term Care Insurance Act
Status: in_force

(1) ORS 743.650 (Long Term Care Insurance Act) to 743.665 (Prompt pay requirements) may be known and cited as the “Long Term Care Insurance Act.”

(2) The purpose of ORS 743.650 (Long Term Care Insurance Act) to 743.665 (Prompt pay requirements) is to:

(a) Promote the public interest in long term care insurance;

(b) Promote the availability of long term care insurance policies;

(c) Protect applicants for long term care insurance from unfair or deceptive sales or enrollment practices;

(d) Establish standards for long term care insurance;

(e) Facilitate public understanding and comparison of long term care insurance policies;

(f) Facilitate flexibility and innovation in the development of long term care insurance coverage; and

(g) Ensure that Oregon residents who purchase insurance for long term care shall have access to policies providing for a comprehensive range of benefits.

(3) The requirements of ORS 743.650 (Long Term Care Insurance Act) to 743.665 (Prompt pay requirements) , 748.603 (Relationship to other insurance laws) and 750.055 (Other provisions applicable to health care service contractors) apply to policies and certificates delivered or issued for delivery in this state on or after December 31, 1989. ORS 743.650 (Long Term Care Insurance Act) to 743.665 (Prompt pay requirements) , 748.603 (Relationship to other insurance laws) and 750.055 (Other provisions applicable to health care service contractors) are not intended to supersede the obligations of entities subject to ORS 743.650 (Long Term Care Insurance Act) to 743.665 (Prompt pay requirements) , 748.603 (Relationship to other insurance laws) and 750.055 (Other provisions applicable to health care service contractors) to comply with the substance of other applicable insurance laws insofar as such laws do not conflict with ORS 743.650 (Long Term Care Insurance Act) to 743.665 (Prompt pay requirements) , 748.603 (Relationship to other insurance laws) and 750.055 (Other provisions applicable to health care service contractors) , except that laws and rules designed and intended to apply to Medicare supplement insurance policies shall not be applied to long term care insurance. A policy that is not advertised, marketed or offered as long term care insurance or nursing home insurance is not required to meet the requirements of ORS 743.650 (Long Term Care Insurance Act) to 743.665 (Prompt pay requirements) , 748.603 (Relationship to other insurance laws) and 750.055 (Other provisions applicable to health care service contractors) . [1989 c.1022 §§1,2,3; 2007 c.486 §1]

Source: Section 743.650 — Long Term Care Insurance Act; purpose; application , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 743.483 — OR Code / Title 56 / Chapter 743 / Section 743.483
743.483 Arrangement of provisions
Status: in_force

The provisions of a health insurance policy that are the subject of ORS 743.408 (Mandatory provisions) to 743.477 (Illegal occupation) , or any corresponding provisions that are used in lieu thereof in accordance with the Insurance Code, shall be printed in the consecutive order of such sections or, at the option of the insurer, any such provision may appear as a unit in any part of the policy, with other provisions to which it may be logically related, provided the resulting policy shall not be in whole or in part unintelligible, uncertain, ambiguous, abstruse or likely to mislead a person to whom the policy is offered, delivered or issued. [1967 c.359 §453; 2009 c.11 §95; 2011 c.9 §94]

Source: Section 743.483 — Arrangement of provisions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 735.480 — OR Code / Title 56 / Chapter 735 / Section 735.480
735.480 Suspension or revocation of license
Status: in_force

The Director of the Department of Consumer and Business Services may suspend, revoke or refuse to renew the license of a surplus lines licensee after notice and hearing as provided under the applicable provision of this state’s laws upon any one or more of the following grounds:

(1) Removal of the surplus lines licensee’s office from this state, if the licensee is a resident insurance producer;

(2) Removal of the surplus lines licensee’s office accounts and records from the principal place of business of the licensee under ORS 744.068 (Required notifications) during the period during which such accounts and records are required to be maintained under ORS 735.460 (Records of licensee) ;

(3) Closing of the surplus lines licensee’s office for a period of more than 30 business days, unless permission is granted by the director;

(4) Failure to make and file required reports;

(5) Failure to transmit required tax on surplus lines premiums;

(6) Violation of any provision of ORS 735.400 (Purposes of ORS 735.400 to 735.495) to 735.495 (Short title) ; or

(7) For any cause for which an insurance license could be denied, revoked, suspended or renewal refused under ORS 744.074 (Authority of director to place licensee on probation or to suspend, revoke or refuse to issue or renew license) . [1987 c.774 §133; 1989 c.288 §4; 2001 c.191 §49; 2003 c.364 §45]

Source: Section 735.480 — Suspension or revocation of license; refusal to renew; grounds , https://www.­oregonlegislature.­gov/bills_laws/ors/ors735.­html (accessed May 26, 2025).
ORS § 743.171 — OR Code / Title 56 / Chapter 743 / Section 743.171
743.171 Incontestability and limitation of liability after reinstatement
Status: in_force

(1) A reinstated policy of life insurance may be contested on account of fraud or misrepresentation of facts material to the reinstatement only for the same period following reinstatement, and with the same conditions and exceptions, as the policy provides with respect to contestability after original issuance.

(2) When any policy of life insurance is reinstated, such reinstated policy may exclude or restrict liability to the same extent that such liability could have been or was excluded or restricted when the policy was originally issued, and such exclusion or restriction shall be effective from the date of reinstatement. [1967 c.359 §379]

Source: Section 743.171 — Incontestability and limitation of liability after reinstatement , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).
ORS § 750.301 — OR Code / Title 56 / Chapter 750 / Section 750.301
750.301 Definitions for ORS 750.301 to 750.341
Status: in_force

As used in ORS 750.301 (Definitions for ORS 750.301 to 750.341) to 750.341 (Requirement for multiple employer welfare arrangement to become traditional insurer) , “multiple employer welfare arrangement” has the meaning given that term in section 3 of the federal Employee Retirement Income Security Act of 1974, as amended, 29 U.S.C. 1002. [1993 c.615 §2]

Note: 750.301 (Definitions for ORS 750.301 to 750.341) to 750.341 (Requirement for multiple employer welfare arrangement to become traditional insurer) were added to and made a part of the Insurance Code by legislative action but were not added to ORS chapter 750 or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 750.301 — Definitions for ORS 750.301 to 750.341 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 743b.453 — OR Code / Title 56 / Chapter 743b / Section 743b.453
743B.453 Underpayment of claims
Status: in_force

(1) Except in the case of fraud and except as provided in subsection (3) of this section, a health care provider may not:

(a) Request additional payment from a health insurer to satisfy a claim unless the provider:

(A) Requests the additional payment in writing on or before the last day of the period specified by the contract or 18 months after the date the claim was denied or payment intended to satisfy the claim was made, whichever is earlier; and

(B) Specifies in the written request why the provider believes the health insurer owes the additional payment.

(b) Request that an additional payment be paid earlier than six months after the health insurer receives the request.

(2) A health insurer may not consider a health care provider’s claim untimely if the claim is made no later than 12 months after a different insurer:

(a) Denied the claim in whole or in part; or

(b) Requested a refund of an erroneous payment made on the claim.

(3) A health care provider may not do the following for reasons related to coordination of benefits with another health insurer or entity responsible for payment of a claim:

(a) Request additional payment from a health insurer to satisfy a claim unless the provider:

(A) Requests the additional payment in writing within 30 months after the date the claim was denied or payment intended to satisfy the claim was made;

(B) Specifies in the written request why the provider believes the health insurer owes the additional payment; and

(C) Includes in the written request the name and mailing address of the other health insurer or entity that has disclaimed responsibility for payment of the claim.

(b) Request that the additional payment be paid earlier than six months after the health insurer receives the request.

(4) If a contract between a health insurer and a health care provider conflicts with this section, the provisions of this section prevail. However, nothing in this section prohibits a health insurer from choosing at any time to make additional payments to a health care provider to satisfy a claim.

(5) This section applies to health benefit plans. [Formerly 743.917]

Note: 743B.453 (Underpayment of claims) was added to and made a part of the Insurance Code by legislative action but was not added to ORS chapter 743B or any series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 743B.453 — Underpayment of claims , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743B.­html (accessed May 26, 2025).
ORS § 750.595 — OR Code / Title 56 / Chapter 750 / Section 750.595
750.595 Membership agreement
Status: in_force

An organization must provide a membership agreement to each member of a group that is a party to a legal expense plan. Each membership agreement shall contain at least the following:

(1) A listing and clear description of the legal services promised or for which expenses are to be reimbursed and a clear explanation of the limits of the services.

(2) The copayments, deductibles or fees, if any, that the member is required to pay.

(3) The name and address of the principal place of business of the legal expense organization offering the plan.

(4) If the plan offers a limited choice of providing attorneys, a mechanism for providing the services of an alternate attorney in case representation by the designated providing attorney would be improper, unethical or impractical under the circumstances.

(5) A provision for review for settling disagreements about the grounds for demanding an alternative attorney or any benefit.

(6) All criteria by which a member may be denied renewal of membership. [1989 c.331 §11]

Source: Section 750.595 — Membership agreement , https://www.­oregonlegislature.­gov/bills_laws/ors/ors750.­html (accessed May 26, 2025).
ORS § 743.104 — OR Code / Title 56 / Chapter 743 / Section 743.104
743.104 Scope of ORS 743.100 to 743.109
Status: in_force

(1) ORS 743.100 (Short title) to 743.109 (Approval of certain policy forms containing specified provisions) apply to all policies delivered or issued for delivery in this state, except:

(a) Any policy that is a security subject to federal jurisdiction.

(b) Any group policy covering a group of 1,000 or more lives at date of issue, other than a group credit life insurance policy or a group credit health insurance policy. However, this paragraph shall not exempt any certificate issued pursuant to a group policy.

(c) Any group annuity contract that serves as a funding vehicle for a pension, profit-sharing or deferred compensation plan.

(d) Any form used in connection with, as a conversion from, as an addition to, or, pursuant to a contractual provision, in exchange for, a policy delivered or issued for delivery on a form approved or permitted to be issued prior to the date the form must be approved under section 9, chapter 708, Oregon Laws 1979.

(e) The renewal of a policy delivered or issued for delivery prior to the date the policy form must be approved under section 9, chapter 708, Oregon Laws 1979.

(f) Any certificate issued pursuant to a group policy not delivered or issued for delivery in this state.

(2) A non-English language policy will be deemed to comply with ORS 743.106 (Reading ease standards for life and health insurance policies) if the insurer certifies that the policy is translated from an English language policy that complies with ORS 743.106 (Reading ease standards for life and health insurance policies) . [Formerly 743.362]

Source: Section 743.104 — Scope of ORS 743.100 to 743.109 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors743.­html (accessed May 26, 2025).