Oregon

Regulator: Oregon Division of Financial Regulation (DFR)
External review: State-run. Request it through the regulator after the plan's final internal denial; the federal floor is 4 months (45 CFR 147.136).
Published reversal rate: 0.3885% of reviews reversed the plan (108 of 278, 2025) · source
Notes: Oregon DFR IRO Case Detail Report (current through 2025-06-30): 352 cases received, 278 completed full review, 108 overturned or partially overturned (39%), 170 upheld. Excel-format quarterly updates.

Before external review

File the plan's internal appeal first (at least 180 days for ACA-compliant plans; the letter states the date). Ask for the claim file and the criteria the plan applied; both are free on request. Self-funded employer plans use the federal external review and the U.S. Department of Labor, not the state.

More on Oregon: state appeal rights · External Review Index entry · insurer denial rates (HealthCare.gov states).

Verified 2026-09-15. The regulator's site and your denial notice control.