Members covered by an employer

You want to know how health care reform will affect you. Visit this website to stay informed about health care reform. You may also contact your human resources representative for information specific to your employer.

What has changed?

  • Some lifetime and annual limits no longer exist
  • Certain preventive services are covered in full
  • Children up to age 26 are eligible to remain on your health plan.
  • The six month pre-existing condition exclusion was removed for children ages 18 and younger

Note: If your health plan is grandfathered, some of these changes may not apply. Please refer to your plan materials.

What other changes are coming

Rule-making on health care reform continues on federal and state levels. As these new rules are defined, we will notify your employer. Your employer will communicate these changes with you. To see a brief overview of future reform changes, please visit our timeline or visit

We're committed to making this transition easy for all our members. We will provide you with the information you need to understand your health insurance benefits.

Upcoming - Oregon Health Insurance Exchange

Starting in October 2013, Oregonians will be able to find information and compare health insurance plans, determine tax credit and financial assistance eligibility and enroll for health insurance through the Oregon Health Insurance Exchange, also known as Cover Oregon. Health insurance coverage will take effect Jan. 1, 2014.

Health insurance exchanges are intended to:

  • Help consumers better understand available health insurance options
  • Provide a more standardized market of health plans to choose from, and
  • Provide financial assistance for those who qualify

The Oregon Health Insurance Exchange is designed to benefit:

  • Children and adults who do not have access to affordable coverage through an employer (the federal government will determine the definition of “affordable coverage”)
  • Employees at a small business (50 or fewer employees) which may benefit from federal tax credits or otherwise choose to purchase coverage from the Small Business Health Options Program (SHOP).

Learn more about the Health Insurance Exchange.