Premium changes run gamut for Cover Oregon

Consumers who bought health insurance through Cover Oregon could see their premiums rise by as much as 16 percent or fall by as much as 21 percent next year.

The numbers, revealed this week by state officials, represent the most dramatic price changes proposed by insurers for 2015. Most consumers will see an outcome somewhere in between.

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State regulators must approve the filings and are expected to lessen some of the proposed increases. Changes will affect every policyholder in a different way based on factors like age and location.

Cover Oregon has 12 carriers, and their pricing proposals ran the gamut.

Moda Health captured more than 40 percent of the state's exchange enrollees this year, with about 95,000 people covered under its plans. The company is proposing to increase prices by an average of 12.5 percent.

Only one other carrier proposed a double-digit price increase. Four insurers, meanwhile, proposed double-digit decreases in premiums for next year.

Five other carriers are hoping to keep rates at roughly the same level, with proposed changes ranging from a 0.6-percent decrease to a 4-percent increase. The rate were first reported by the Bend Bulletin.

Cover Oregon is notorious for its technological struggles. State officials are dumping the current system and housing the exchange on HealthCare.gov next year.