Oregon employer health plans: what they cost and who gets paid
Updated plan year 2024, the most recent complete year
811 Oregon employers filed health plans with 100 or more participants for plan year 2024, covering 626,961 participants. They reported $118M in insurance premiums and $60M in broker commissions and fees. The median broker rate on commission-paying, fully insured medical plans was 2.8% of premium, 1.0 points below the national median of 3.8%.
Largest brokers
Reported commissions and fees, with the number of employer plans naming each.
Largest medical carriers
Medical premium written.
Cities in Oregon
Every Oregon city where 15 or more employers filed a health plan, by the sponsor's mailing address. Each page lists the city's largest plans, brokers and carriers.
| City | Employer plans | Premiums |
|---|---|---|
| Portland | 288 | $57M |
| Eugene | 53 | $3.6M |
| Salem | 48 | $16M |
| Bend | 31 | $2.0M |
| Beaverton | 29 | $1.5M |
| Hillsboro | 25 | $2.2M |
| Tualatin | 25 | $1.3M |
| Medford | 24 | $6.3M |
| Lake Oswego | 23 | $1.5M |
| Wilsonville | 20 | $1.1M |
| Tigard | 17 | $859,756 |
| Springfield | 16 | $1.1M |
Largest employer plans
By health plan participants.
Highest broker pay
Employers reporting the most broker commissions and fees.
| Employer | City | Broker pay | Rate |
|---|---|---|---|
| Xpo CNW, Inc. | Portland | $1,565,214 | — |
| Careoregon, Inc. | Portland | $1,296,679 | — |
| Bend Chamber of Commerce | Bend | $964,893 | — |
| Frontier Management, LLC | Portland | $886,121 | — |
| Legacy Health | Portland | $822,481 | — |
| Bend Chamber of Commerce | Bend | $780,889 | — |
| Kindercare Education, LLC | Lake Oswego | $774,215 | — |
| Lithia Motors, Inc. | Medford | $748,134 | — |
| The Pape Group, Inc. | Eugene | $714,992 | — |
| Corvel Corporation | Portland | $711,891 | — |
| Leadingage Oregon | Tigard | $667,578 | — |
| Board of Trustees, Harrison Electrical Workers Trust | Portland | $603,266 | — |
| Nike, Inc. | Beaverton | $537,303 | 5.0% |
| Bend Chamber of Commerce | Bend | $529,726 | — |
| Umpqua Bank | Hillsboro | $525,814 | — |
| Samaritan Health Services | Corvallis | $462,658 | — |
| ST. Charles Health System | Bend | $458,700 | — |
| Santiam Memorial Hospital | Stayton | $455,938 | — |
| Bend Chamber of Commerce | Bend | $454,747 | — |
| United Employers Association | Portland | $436,238 | — |
| Avamere Health Services, LLC | Wilsonville | $425,947 | — |
| Thyssenkrupp North America, LLC. | Beaverton | $394,765 | — |
| Dulcich, Inc. | Clackamas | $370,397 | — |
| Weir Group, PLC | Portland | $367,409 | — |
| Vacasa, LLC | Portland | $365,809 | — |
Highest commission rates
Fully insured medical plans with at least $500,000 in premium, ranked by broker compensation as a share of premium.
| Employer | City | Rate | Broker pay |
|---|---|---|---|
| Allcare Management Services, LLC | Grants Pass | 3.2% | $127,751 |
| Oregon State Credit Union | Corvallis | 2.8% | $82,592 |
| Freres Lumber Co., Inc. | Lyons | 2.7% | $104,125 |
| LRS Architects, Inc | Portland | 1.9% | $19,921 |
| Southport Forest Products, LLC | Coos Bay | 1.5% | $34,925 |
| Garmin At, Inc. | Salem | 0.2% | $19,541 |
| Englund Marine Supply Co., Inc. | Astoria | 0.0% | $0 |
| Detroit Diesel Corporation | Portland | 0.0% | $0 |
| Board of Trustees of Oregon Bakers Union Trust Fund | Portland | 0.0% | $0 |
Source: DOL Form 5500 and Schedule A, plan year 2024; built October 24, 2026. Methodology.
What do Oregon employers pay health insurance brokers?
Across 8 fully insured medical plans in plan year 2024, among commission-paying fully insured medical plans, the median broker compensation for Oregon employers was 2.8% of premium (middle half 1.8% to 3.6%), against a national median of 3.8%. In dollars, the median employer that disclosed broker pay reported $46,418.
Which Oregon employers paid the most in broker commissions?
Xpo CNW, Inc. reported the most in 2024, $1,565,214, followed by Careoregon, Inc. ($1.3M) and Bend Chamber of Commerce ($964,893).
Which brokers and carriers dominate Oregon?
By reported compensation, the largest brokers are USI Insurance Services, Mercer, Brown & Brown. By medical premium, the largest carriers are Blue Care Network of Michigan, Regence Bluecross Blueshield of Oregon, Pacificsource Health Plans.
Which Oregon cities have the most employer health plans?
Portland (288 employer plans, $57M in premiums); Eugene (53 employer plans, $3.6M in premiums); Salem (48 employer plans, $16M in premiums); Bend (31 employer plans, $2.0M in premiums); Beaverton (29 employer plans, $1.5M in premiums). 12 Oregon cities with 15 or more employer plans have their own page listing the largest plans, brokers and carriers.
Is your company on this page? Get its Form 5500 read next to the Oregon medians.
Tell us the company and a specialist writes up what the public Form 5500 record shows for it, if it files one: broker pay against the medians above, fee disclosure and filing timeliness, in a form you can forward to your CFO or counsel. Tick the box if you also want a 15-minute walkthrough call.
We don't sell your email. By submitting, you agree that BenefitsLedger and its benefits advisory partner, WellthCare, may email or call you about these findings. Opt out anytime by replying. See our privacy policy.