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    v1.0.28
    OpenPayerStatesOregon
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    Oregon Health Insurance Market Analysis: Market Share, Payer Mix, and Coverage Trends

    Oregon's health insurance market features a blend of regional and national payers, with Kaiser Foundation Group as the leading insurer. The landscape is shaped by strong employer-based coverage and a diverse demographic profile across all age bands.

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    State Overview

    Oregon has a total population of 4.21M residents. The state comprises 36 counties. The private insurance penetration rate is 67.04%, calculated from the privately insured total of 2.82M out of the total population. The largest insurer, Kaiser Foundation Group, is estimated to cover 429K privately insured members in Oregon.

    Insurance Market

    RankInsurerPremium WrittenEstimated Members CoveredMarket Share
    1Kaiser Foundation Group$3.86B429K15.18%
    2PacificSource Health Plan Group$3.36B373K13.20%
    3Health Share of Oregon$2.76B306K10.85%
    4Cambia Health Solutions Inc$2.73B303K10.73%
    5Providence Health Group

    Frequently Asked Questions

    References

    1. 1.S2703: Private Health Insurance Coverage by Type and Selected Characteristics. U.S. Census Bureau, 2024 American Community Survey 5-Year Estimates. Retrieved Aug 11, 2026.Annual estimates of private health insurance coverage rates by state, broken out by age, income, and plan type — the basis for this page's coverage-rate figures.
    2. 2.2024 Market Share Reports for the Top Accident and Health Insurance Groups and Companies by State and Countrywide. National Association of Insurance Commissioners (NAIC). Retrieved Aug 11, 2026.Ranks the largest accident and health insurance carriers by direct premiums written in each state, used to identify the dominant payers operating there.
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    Trek Health powers OpenPayer with a leading commercial payer intelligence platform, seamlessly converting fragmented payer data into actionable insights for provider organizations.

    Trek Health ingests and normalizes Transparency in Coverage data and payer policy updates to give provider organizations a clear view of how commercial reimbursement behaves across markets, payers, and services. Our platform transforms raw payer disclosures into structured intelligence that supports contract evaluation, payer negotiations, and service line strategy. By combining market benchmarks with ongoing policy visibility, Trek helps teams identify variability, risk, and opportunity in commercial reimbursement. The result is faster insight, stronger negotiating positions, and more informed financial decisions.

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    $2.37B
    263K
    9.34%
    6UnitedHealth Group$2.22B247K8.74%
    7Oregon Dental Service Group$1.40B155K5.51%
    8Centene Corporation Group$1.01B113K3.99%
    9CareOregon Inc Group$962M107K3.78%
    10Samaritan Health Services Group$690M77K2.72%

    Oregon's health insurance market is led by Kaiser Foundation Group, which holds the largest share among all payers. PacificSource Health Plan Group and Health Share of Oregon follow closely, each with significant market presence. Cambia Health Solutions and Providence Health Group round out the top five, collectively accounting for a substantial portion of the state's insured population.

    The market is moderately concentrated, with the top ten insurers covering over 84% of the privately insured population. National payers such as UnitedHealth Group and Centene Corporation are present, but regional and local entities dominate the landscape. The estimated member counts for each insurer highlight their reach and influence within Oregon's insurance market.

    Regional payers play a pivotal role in Oregon, with several locally focused organizations among the top ten. This mix of national and regional insurers contributes to a competitive environment, offering a range of coverage options to residents across the state.

    Insured Population Demographics

    Coverage TypeCountShare of Privately Insured
    Employer-Based1.91M67.70%
    Direct-Purchase236K8.39%
    TRICARE14.7K0.52%
    CHIP/Subsidized75.8K2.68%

    The majority of Oregon's privately insured population is covered through employer-based plans, accounting for nearly two-thirds of all privately insured residents. Direct-purchase insurance represents a smaller but significant segment, while TRICARE and CHIP/subsidized coverage make up minor portions of the market.

    Oregon's privately insured population is distributed across all age bands, with the largest groups found in the 35-44 and 45-54 ranges. The presence of CHIP/subsidized coverage highlights the state's commitment to insuring children and lower-income families, while TRICARE provides coverage for military-affiliated individuals.

    Market Dynamics

    Oregon's health insurance market is characterized by moderate concentration among a handful of dominant payers. The top five insurers collectively account for over half of the market, with Kaiser Foundation Group leading as the largest single payer. PacificSource Health Plan Group, Health Share of Oregon, Cambia Health Solutions, and Providence Health Group also hold substantial shares, indicating a competitive environment with several strong regional players.

    The presence of UnitedHealth Group and Centene Corporation, both national insurers, alongside local entities such as Oregon Dental Service Group and CareOregon, demonstrates a blend of national and regional influence. The estimated member counts for each payer reflect their reach within the privately insured population, with Kaiser Foundation Group covering approximately 429K members.

    Demographically, Oregon's privately insured population is diverse, spanning all age bands. The largest segments are adults in their prime working years, which aligns with the high proportion of employer-based coverage. Children and older adults are also well represented, supported by CHIP/subsidized programs and direct-purchase options.

    Overall, Oregon's insurance landscape is shaped by a mix of regional and national payers, a strong employer-based coverage foundation, and a demographic profile that reflects both family and workforce needs.

    Top 10 Health Insurers by Market Share in Oregon
    Privately Insured Population by Age Band in Oregon