New Rules

New rules are posted on this page for six months after they are final.

Adopt: OAR 836-051-0235

Amend: OAR 836-051-0210, 836-051-0220 and 836-051-0230

These permanent rules recognize a new annuity mortality table (2012 IAR Table) for use in determining reserve liabilities for annuities. The National Association of Insurance Commissioners (NAIC) adopted the revisions to NAIC Model Rule (Regulation) #821 in December 2012. Adoption of this table will require insurers to use the new table as the reserve mortality standard for individual annuity or pure endowment contracts issued after January 1, 2015. The 2012 IAR Table is a generational mortality table developed by the Society of Actuaries that incorporates projections for future mortality improvements. For affected contracts, reserves will ore accurately reflect anticipated mortality improvements for years beyond contract issue. Generally, the new table will result in higher reserves than current requirements.

Adopted: December 12, 2014

Effective: January 1, 2015


Amend: OAR 836-053-1404

Many health care providers and insurers are transitioning using classification codes found in the "Diagnostic and Statistical Manual of Mental Disorders, DSM-IV-TR, Fourth Edition" (DSM-IV) to the coding in the "Diagnostic and Statistical Manual of Mental Disorders, Fifth Edition" (DSM-5). Until all users have transitioned entirely to the DSM-5, it is necessary to include applicable diagnostic codes from both versions in defining mental or nervous condition for purposes of the mandatory requirements of Oregon’s mental health parity statute. These temporary rules add appropriate diagnostic codes from the DSM-5 to the rule.

Adopted: November 14, 2014

Effective: November 14, 2014 through May 12, 2015


Adopt: OAR 836-053-0100 and 836-053-0105

These rules implement the provisions of enrolled House Bill 4104 (2014 Legislative Session). The rules compliment rules of the Workers’ Compensation Division intended to facilitate better management and payment for interim medical benefits resulting from a work related injury or disease. These rules prohibit a carrier from imposing a waiver or exclusion in a health benefit plan for coverage of a service otherwise provided solely on the basis that the service is provided for a work-related injury or disease. The rules also establish an expedited preauthorization process for approving interim medical services. The rules also specify how payment is accomplished if a workers’ compensation claim is approved or denied. Finally the rules clarify when a claim for interim medical benefits is deemed a “clean claim” for purposes of requirements in the Insurance Code that require prompt payment of claims.

As specified in House Bill 4104, these requirements apply to health benefit plan contracts entered into or renewed on or after January 1, 2015.

Adopted: October 15, 2014

Effective: January 1, 2015


Adopt: OAR 836-010-0013 and 836-053-0066

Amend: OAR 836-053-0431 and 836-053-0465

These permanent rules replace temporary rules ID 6-2014 (Temp), 7-2014 (Temp), and 8-2014 (temp), which established a special enrollment period, set forth the filing and rating requirements and plan guidance for transitional plans in 2015, and implemented the provisions of chapter 80, Oregon Laws 2014.

Adopted: October 6, 2014

Effective: October 6, 2014


Amend: OAR 836-042-0045

This rule adopts revisions to the revised 2008 edition of the Statistical Plan for Workers’ Compensation and Employers Liability Insurance (Statistical Plan), as filed by the National Council on Compensation Insurance (NCCI). The primary revision to the Statistical Plan is to update the Pension Tables in the plan using updated data for life expectancies and remarriage rates. The revisions also include a number of reporting clarifications and maintenance updates to enhance the rules.

Failure to adopt NCCI’s proposed revisions will cause Oregon’s governing statistical plan for workers’ compensation and employer’s liability insurance to differ from the statistical plan used in other states. The statistical plan information is used in determining annual advisory loss costs. Lack of uniformity in the statistical plan used across states can result in an inability to combine Oregon-specific data with countrywide data to generate stable, credible advisory loss costs. The lack of uniformity may also lead to inconsistencies and errors in reporting by insurers who write workers’ compensation in several states, including Oregon.

Adopted: October 1, 2014

Effective: October 1, 2014


This rule allows an insurer, with the consent of the claimant, to pay claims by means of a prepaid card, direct deposit system, automated teller machine card or debit card or other means of electronic transfer.

This rule will take effect upon adoption.

Adopted: August 15, 2014

Effective: August 15, 2014


Amend: OAR 836-053-0431

The federal Affordable Care Act (ACA) and Chapter 681, Oregon Laws 2013, (Enrolled House Bill 2240) require that insurers that issue individual health benefit plans offer coverage to persons 65 or older who are not enrolled in Medicare and, outside of the Oregon Health Insurance Exchange, without regard to a person’s legal status. Permanent changes to the existing rule are necessary to ensure that all persons entitled to coverage can obtain coverage. These amendments to OAR 836-053-0431 clarify that carriers that issue individual health benefit plans must offer and provide individual health benefit plan coverage to applicants who are 65 or older unless such persons are actually enrolled in Medicare; and to applicants who are applying for coverage outside of the Oregon Health Insurance Exchange without regard to the legal status of a person.

The rule also makes non substantive technical corrections and adjusts some provisions in the rule to be consistent with other temporary provisions to the same rule currently in effect.

This rule replaces changes made by amendments included in a temporary rule that expires on July 31, 2014.

Adopted: July 30, 2014

Effective: July 30, 2014


Amend: OAR 836-071-0267

Currently, this rule allows an insurance producer to impose an incidental charge for the actual cost of obtaining a motor vehicle report from the Motor Vehicle Division of the Oregon Department of Transportation or from the comparable agency, but limits the charge to not more than $4. The Motor Vehicle Division of the Oregon Department of Transportation currently charges $9.68 for electronically obtained reports. The changes in the proposed rule eliminate the $4 cap and simply allow the producer to pass on to the consumer the actual cost imposed by the Motor Vehicle Division for obtaining the report.

The amendments to these rules will take effect upon adoption.

Adopted: July 21, 2014

Effective: July 21, 2014


Adopt: OAR 836-200-0401, 836-200-0406, 836-200-0411, 836-200-0416, 836-200-0421

These rules implement new registration requirements imposed on pharmacy benefit managers in legislation passed by the 2013 Legislative Assembly. Beginning January 1, 2014, individuals or business entities that contract with pharmacies on behalf of an insurer, a third-party administrator or the Oregon Prescription Drug Program (established in ORS 414.312) to process claims, pay pharmacies or negotiate rebates for prescription drugs or medical supplies, must register annually with the Department of Consumer and Business Services. These permanent rules replace temporary rules that established the initial procedures for registration and renewal of registration necessary to allow pharmacy benefit managers to comply with the requirements of the new law.

The rule numbers have changed from the proposed rule because the original numbers were no longer available.

Adopted: July 21, 2014

Effective: July 21, 2014


Adopt: OAR 836-010-0150

This rule requires entities regulated by the Department of Consumer and Business Services to treat same-sex marriages validly performed the same as any marriage of heterosexual couples validly performed. The rule is necessary to comply with the recent federal court decisions by the United States Supreme Court and Oregon District Court that held prohibitions on same gender marriages unconstitutional under the U.S. Constitution.

This permanent rule will apply on and after the date the rules are adopted.

Adopted: July 17, 2014

Effective: July 17, 2014



​Key links

Oregon Revised Statutes