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DCBS announces federal approval of 1332 State Innovation Waiver application - 10/19/17

Salem -- The Oregon Department of Consumer and Business Services (DCBS) announced today that it has received approval of Oregon's 1332 State Innovation Waiver from the Centers for Medicare and Medicaid Services (CMS). This approval will grant Oregon an estimated $30 million annually to fund the new Oregon Reinsurance Program created during the 2017 Legislative Session.

The Oregon Reinsurance Program is designed to stabilize the individual market, reduce rates, and encourage insurance companies to offer plans in more parts of the state. Reinsurance spreads the risk of high-cost claims so that all insurance companies take an equal share of the risk of expensive claims.

Rates for individual plans in 2018 have already been reduced by 6 percent from what they would have been without the reinsurance program.

"We are pleased that CMS has quickly approved Oregon's 1332 State Innovation Waiver application enabling Oregon to establish its reinsurance program," said Acting DCBS Director Jean Straight. "The Oregon Reinsurance Program will provide much needed stability to Oregonians who purchase insurance on their own. Without this program, we might be seeing counties with no plans offered through Oregon's Health Insurance Marketplace, and much larger rate increases for those who purchase insurance on their own in 2018."

Funding for the reinsurance program comes from federal funding through the approved 1332 State Innovation Waiver from CMS, funds from the previous temporary reinsurance program that ended in 2016, the Oregon Health Insurance Marketplace assessment account, and an assessment approved by the Legislature during the 2017 session. The total expected funding for plan year 2018 is approximately $90 million.

For more information about about the Oregon Reinsurance Program as it becomes available, visit dfr.oregon.gov.

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The Department of Consumer and Business Services is Oregon's largest business regulatory and consumer protection agency. For more information, visit www.dcbs.oregon.gov.

Award recognizes Oregon's return-to-work programs - 10/18/17

(Salem) -- The Oregon Workers' Compensation Division (WCD) has received an award from a worldwide organization for the division's ongoing efforts and track record of success in helping injured Oregon workers return to work.

The International Association of Industrial Accident Boards and Commissions -- the largest trade association of workers' compensation agencies in North America -- honored WCD with a 2017 President's Award. Such awards recognize the contributions of regulators and industry professionals in improving workplace health and safety, including helping workers recover from on-the-job injury and illness.

WCD's award, announced by the association during its 103rd annual convention held in Portland this month, recognizes two Oregon programs: the Employer-at-Injury Program and the Preferred Worker Program.

The Employer-at-Injury Program encourages the early return to work of injured workers by helping lower an employer's early return-to-work costs and claim costs. Since 1995, it has helped more than 160,000 injured Oregon workers achieve both long-term employment and wages that are higher than those who did not use the program.

The Preferred Worker Program encourages re-employment of qualified Oregon workers who have permanent disabilities from on-the-job injuries. The program, which focuses on small- to medium-sized businesses, offers Oregon employers a chance to save money by hiring preferred workers. Since 2012, the program has served an average 1,029 newly eligible workers per year.

In putting the spotlight on both programs, the association noted WCD's commitment to continuously improve its services. "While both programs have been successful," according to the association, "Oregon continues to measure the impact and make changes to improve outcomes."

"This award reflects the energy, hard work, and professionalism of all of our staff," said Lou Savage, administrator for WCD. "And we remain committed to what matters most: helping improve the lives of injured workers -- and their families -- in Oregon."

Learn more about WCD's return-to-work programs by visiting http://wcd.oregon.gov/rtw/Pages/index.aspx, calling 800-452-0288 (toll free), or by sending an email to the Employer-at-Injury Program -- Eaip.oregon@oregon.gov -- or the Preferred Worker Program -- Pwp.oregon@oregon.gov.

For more information about the Oregon Workers' Compensation Division, visit http://wcd.oregon.gov/Pages/index.aspx.


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The Department of Consumer and Business Services is Oregon's largest business regulatory and consumer protection agency. For more information, visit www.dcbs.oregon.gov.

Division of Financial Regulation seeking comment on cost-sharing reduction rate increases ¬-- deadline is Oct. 17 at 5 p.m. - 10/16/17

Salem - The Oregon Division of Financial Regulation is seeking public comment on cost-sharing reduction rate increases for silver metal tier individual health insurance premiums for 2018 plans.

The comment period starts Monday, Oct. 16. Due to the limited time frame to file revised rates, the deadline for comment is Tuesday, Oct. 17 at 5 p.m. To comment in writing, email Ethan Baldwin via email at Ethan.C.Baldwin@oregon.gov.

The reason for the public comment period is on Oct. 12, the Trump administration issued an announcement about immediately stopping cost-sharing reduction payments to health insurance companies. The Division of Financial Regulation is committed to the stability of Oregon's health insurance market and ensuring access to statewide comprehensive health coverage.

The division has determined that in order to ensure carriers can continue to offer coverage in Oregon, it must offer health insurance companies offering plans on HealthCare.gov the opportunity to increase their already approved silver metal tier 2018 plan rates by 7.1 percent. The deadline for insurance companies and the state to file new rates on HealthCare.gov is 12 p.m. on Oct. 17.

Non-silver metal tier plan rates (e.g., bronze and gold) will remain unaffected.

This increase will affect plans both on and off HealthCare.gov, and will compensate for the $49 million worth of cost-sharing reduction payments that the federal government will no longer be making to Oregon insurance companies in 2018.

Visit http://dfr.oregon.gov/news/Pages/20171013-trump-payment-reduction.aspx for more details about the decision to increase rates and a sample rate table of the revised rates.

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The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon's largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov and www.dfr.oregon.gov.

Community Bank Week honored in Oregon - 10/16/17

(Salem) -- Oregon Gov. Kate Brown has proclaimed Oct. 16-20, 2017, as Community Bank Week, honoring local banks for the significant economic and civic contributions they make in communities across the state.

Oregon banks, most of which are chartered by the Department of Consumer and Business Services, take a relationship-based approach to doing business and are actively involved in the communities they serve. They play an essential part of the state's economy, financing Main Street businesses, providing a full range of banking services, and creating jobs.

In some communities, the banks are the largest employer or the only provider of banking services.

"Oregon communities, especially small businesses, depend on their local banks," said Jean Straight, acting DCBS director. "Not only do these local bankers lend to Oregon families and farms to help communities flourish, but they also provide critical information and education to their customers about a variety of financial matters."

Community banks reported loans to Oregon small businesses topping $5.9 billion in a single year, according to a recent survey by the Oregon Bankers Association. The survey also showed community banks in the state gave to their communities, pitching in $4.9 million to nonprofits and community organizations. Meanwhile, their employees logged more than 64,000 volunteer hours.

Members of Community Banks of Oregon (CBO) and community banks throughout the state are celebrating Community Bank Week in Oregon. Banks will host consumers, students, small businesses, and local elected officials to showcase the positive effect banks have on the people they serve.

To learn more about the Oregon banks recognized during Community Bank Week, go to http://www.oregonbankers.com/community-bank-week.html.

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The Department of Consumer and Business Services is Oregon's largest consumer protection and business regulatory agency. The department's Division of Financial Regulation oversees the financial and insurance industries in Oregon. For more information, visit http://www.oregon.gov/dcbs/Pages/index.aspx and http://dfr.oregon.gov/Pages/index.aspx.

State announcement regarding Trump administration discontinuation of cost-sharing reduction payments - 10/13/17

Salem -- On Oct. 12, the Trump administration issued an announcement about stopping cost-sharing reduction payments to health insurance companies immediately. The Oregon Department of Consumer and Business Services (DCBS) is committed to the stability of Oregon's health insurance market and ensuring access to statewide comprehensive health coverage. After analyzing the announcement and its implications, DCBS has determined that there will be no change for 2017 health plans and is implementing a plan to ensure stability beyond this year.

"Oregonians can be assured that their 2017 plan rates and benefits will not change today or through the end of the year," said Jean Straight, acting DCBS director. "Premiums will not change, premium assistance through HealthCare.gov will not change, and working families in Oregon who are enrolled in cost-sharing reduction plans can continue to access this important type of assistance."

In order to ensure carriers can continue to offer coverage in Oregon, DCBS is ordering health insurance companies offering plans on HealthCare.gov to increase their already approved silver metal tier 2018 plan rates by 7.1 percent.

Non-silver metal tier plan rates (e.g., bronze and gold) will remain unaffected.

This increase will affect plans both on and off HealthCare.gov, and will compensate for the $49 million worth of cost-sharing reduction payments that the federal government will no longer be making to Oregon insurance companies in 2018.

"These rate increases are necessary to ensure the stability of the health insurance market," said Acting Director Straight. "Oregonians who receive financial assistance through the Marketplace will find that premium assistance will also increase, shielding them from most of the increase."

Oregonians who do not qualify for premium assistance through HealthCare.gov are encouraged to work with an agent to shop around and consider a non-silver level plan that might work for their situation.

Open enrollment for 2018 plans begins Nov. 1 and runs through Dec. 15, 2017. Oregonians are encouraged to work with an agent or community partner to find the best plan for their situation. Due to these additional rate increases on silver metal tier plans, it is especially important to apply for financial assistance through HealthCare.gov.

What are cost-sharing reduction (CSR) plans?
In addition to providing help paying for premiums, the Affordable Care Act requires Marketplace insurers to offer cost-sharing reduction plans to middle-income consumers (under 250 percent of the federal poverty level). These are silver-level plans with lower maximum out-of-pocket limits, deductibles, co-pays, and co-insurance, making access to health care services more affordable. About 50,000 Oregonians were enrolled in cost-sharing reduction plans.

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The Department of Consumer and Business Services is Oregon's largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov.

David Sanders, Albert DiPiero, and Zoom fined $285,000 for violating Oregon insurance law - 10/10/17

Salem -- The Oregon Department of Consumer and Business Services (DCBS), Division of Financial Regulation has fined David Sanders, Albert DiPiero, and Zoom Management Inc. ("ZMI") $285,000 in civil penalties.

The civil penalties are part of a settlement agreement and consent order reached by DCBS, Zoom Health Plan, and ZMI. The settlement agreement also obtains funds that will be used to pay Zoom Health Plan's member claims and liabilities.

"The size of these fines show that DCBS will not tolerate repeated violations of the insurance code," said Jean Straight, acting director of DCBS.

The settlement agreement achieves the following:
* Establishes that Zoom Health Plan and ZMI violated the insurance code by filing financial statements that included a $3 million surplus note, for which it had never received the funds.
* Fines ZMI $150,000 for several violation of the Insurance Code.
* Fines Sanders $100,000 and DiPiero $35,000 for filing late CPA reviewed statements.
* Requires ZMI to pay Zoom Health Plan $2.1 million in cash that will be used to pay member claims and company liabilities.
* Allows members to keep their current coverage through the end of the year.
* Resolves the pending lawsuit against ZMI and regulatory issues without further investigation or litigation.

"The settlement allows Zoom Health Plan to meet its financial obligations to policyholders, without spending additional dollars and resources on costly investigations and lawsuits," Straight said.

DCBS is the court-appointed receiver for Zoom Health Plan and is paying the claims and liabilities from its insurance business. The settlement agreement will become effective after it is approved by the court that oversees the receivership. DCBS will continue to act as receiver of Zoom Health Plan until all its claims and liabilities are discharged.

On April 25, 2017, the state filed a lawsuit in Marion County Circuit Court to recover $3 million in cash for the insurance company Zoom Health Plan. ZMI, an affiliated company, was supposed to pay the money in late 2016 in exchange for a surplus note, but never did. In its annual financial statement submitted to DCBS, Zoom Health Plan reported capital and surplus of $2,873,168 as of Dec. 31, 2016. But without the cash from the $3 million surplus note, its actual capital and surplus was negative $126,832 at the end of 2016, making it insolvent.

Sanders and DiPiero maintain that they thought that including the loan in Zoom Health Plan financial statements was appropriate. As part of the settlement agreement, DCBS agreed to not investigate whether or not the misstatement on the filing was intentional.

The settlement agreement cancels the $3 million surplus note, but requires ZMI to pay Zoom Health Plan $2,178,538 in cash. The receiver will use this, together with the company's existing resources, to pay remaining Zoom Health Plan member claims and liabilities.

Zoom Health Plan currently serves approximately 338 members, and has offered plans in Oregon since 2015. Zoom+ Care, another affiliated company, operates clinics in Oregon and Washington. ZMI acted as a business manager for the health plan and continues to do so for the clinics.

All current Zoom Health Plan individual policies will be canceled effective Dec. 31, 2017. Group policies will expire at different times, depending on their renewal dates. No policies will remain beyond Dec. 31, 2017.

For more information about Zoom Health Plan, visit http://dfr.oregon.gov/business/resources/Pages/zoom-faqs.aspx. Consumers with questions can call the DCBS Division of Financial Regulation at 888-877-4894 (toll-free) or email cp.ins@oregon.gov.

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The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon's largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov and www.insurance.oregon.gov.

Medicare annual enrollment is Oct. 15 through Dec. 7 - 10/10/17

Annual open enrollment for Medicare starts next week, and Oregon's Senior Health Insurance Benefits Assistance (SHIBA) Program is available to help.

Medicare is health insurance for people 65 years or older or younger than 65 with Social Security Disability Income. People living in Oregon who are 65 years or older may be eligible to sign up and find health insurance that best meets their needs. Medicare covers many medical costs, including visits to the doctor, prescription medications, and preventive care, such as mammograms, colonoscopies, diabetes treatment, and blood pressure screenings.

Medicare annual enrollment runs Oct. 15 through Dec. 7, 2017. Any Medicare Advantage (MA) or prescription drug plan (Part D) changes must be made between these dates so that coverage begins without interruption on Jan. 1, 2018. Those who are late to enroll may face a lifetime of premium penalties.

"It is important to compare Medicare Advantage and prescription drug plans every year," SHIBA Program Manager Lisa Emerson said. "Plans change year to year, as do people's individual health care needs. People could potentially save money by shopping for a new plan."

SHIBA provides free health insurance counseling to explain how the Medicare program works, additional insurance options that work with Medicare, and help with reducing out-of-pocket costs. SHIBA staff members, along with over 200 certified counselors, serve many of Oregon's more than 780,000 Medicare beneficiaries to help them understand their Medicare benefits and enrollment options. Free information and help is available by calling 1-800-722-4134 (toll-free) or visiting OregonSHIBA.gov.

SHIBA counselors help beneficiaries compare plans and enroll by using the plan finder tool found online at www.medicare.gov/find-a-plan. Beneficiaries and their families can also choose to use this tool to compare plans and enroll on their own.

SHIBA also publishes an annual Medicare guide, which will be available online in early October and in print in mid-November.

Tips from SHIBA to prepare for Medicare Open Enrollment:

Review your plan notice. Be sure to read any notices from your Medicare plan about changes for next year, especially your Annual Notice of Change letter.

Think about what matters most to you. Medicare health and drug plans change each year and so can your health needs. Do you need a new primary care doctor? Does your network include the specialist you want for an upcoming surgery? Is your new medication covered by your current plan? Does another plan offer the same value at a lower cost? Take stock of your health status and determine if you need to make a change.

Find out if you qualify for help paying for your Medicare. SHIBA can help you learn about a state program that helps with the costs of Medicare premiums, your Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) deductibles, co-insurance and co-payments, and Medicare prescription drug coverage costs.

Apply for help with drug costs. If you have limited income and assets, you may qualify for extra help with prescription drug costs. SHIBA counselors can help you apply for this benefit through Social Security.

Tips from SHIBA when comparing health insurance plans:

Find your insurance cards. You may need your red, white, and blue Medicare card to review benefit details or enroll in a new plan. If you have a Medicare Advantage or prescription drug plan, you may also need that card.

Update your list of prescription drugs. Check with your doctor to make sure you understand each prescription. Is a generic available? Can you eliminate unneeded medications? Based on your list, do you have the right plan?

Use the Medicare.gov plan finder. The plan finder uses your prescription list to compare prescription drug and Medicare Advantage health plans in your area. Not all companies cover the same drugs so it's important to have a complete list of your medications and dosages when using this tool.

Contact your doctor, hospital, and pharmacy before making changes. Not all health and drug plans contract or work with the same providers. If you switch plans, make sure you understand which providers you can see for the best price.


More information
SHIBA: To meet with a counselor, contact the toll-free SHIBA Helpline at 1-800-722-4134. You will be asked to enter your ZIP code to be connected to a program in your area. Visit http://www.OregonSHIBA.gov to find local help in your county, obtain a copy of the 2018 Oregon Guide to Medicare Health plans and find Medicare education and enrollment events in your area.

Follow SHIBA on Facebook: https://www.facebook.com/OregonSHIBA.

'Speak up. Work safe.' video contest opens to Oregon high school students - 10/09/17

(Salem) -- High school students across Oregon are invited to let their video skills shine in service of a good cause: increasing awareness about safety on the job for young workers.

The annual "Speak up. Work safe." video contest is now open for submissions. The top three entries will take home cash prizes ranging from $300 to $500, and students will earn a matching amount for their school.

Students must create a 90-second or less video that inspires young workers to do at least one thing differently to stay safe on the job. The video must include the theme: "Speak up. Work safe." The video must educate young workers about the importance of speaking up in the workplace. Participants are encouraged to develop a key message or slogan, use humor, and get creative while emphasizing ways to protect themselves -- and their co-workers -- from getting hurt on the job.

Submissions will be judged on certain criteria, including:
* An original health and safety message that appeals to teen workers and safety educators
* Overall production value (video/audio quality, acting, and editing)
* "Speak up. Work safe." theme is used effectively

The deadline for submissions is Thursday, Feb. 1, 2018. Videos can be submitted online or mailed in.

Contest winners will be unveiled at a screening event in spring 2018, and winning entries will be posted on YouTube.

For detailed contest information, including rules, tips, entry forms, workplace safety and young worker resources, and a playlist of past finalist videos, go to http://youngemployeesafety.org/contest/.

The Oregon Young Employee Safety Coalition (O[yes]) organizes the contest. The sponsors are Oregon OSHA, SAIF Corporation, local Oregon chapters of the American Society of Safety Engineers, the Oregon Institute of Occupational Health Sciences at OHSU, the SHARP Alliance, the Central Oregon Safety & Health Association, the SafeBuild Alliance, Hoffman Construction, and Construction Safety Summit.

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Oregon OSHA, a division of the Department of Consumer and Business Services, enforces the state's workplace safety and health rules and works to improve workplace safety and health for all Oregon workers. For more information, visit www.osha.oregon.gov.

The Oregon Young Employee Safety Coalition (O[yes]) is a nonprofit dedicated to preventing young worker injuries and fatalities. O[yes] members include safety and health professionals, educators, employers, labor and trade associations, and regulators. For more information, go to http://youngemployeesafety.org/.

State warns that Gilliam County Title is selling insurance illegally - 10/04/17

Salem -- The Oregon Department of Consumer and Business Services, Division of Financial Regulation issued a cease-and-desist order against Gilliam County Title of Clackamas, Ore., for attempting to sell title insurance without a license.

Oregonians should beware that Gilliam County Title continues to attempt to sell insurance illegally. Anyone who has been contacted by, or purchased title insurance from, Gilliam County Title is urged to call division investigators as soon as possible at 888-877-4894 (toll-free).

In July 2017, the division received a call from someone whose elderly parents had received sales pitches for title insurance from Gilliam County Title. The caller checked if Gilliam County Title was licensed and became suspicious when there was no record of the company being licensed. Gillam County Title was not then, and is not now, licensed to sell insurance in the state of Oregon.

Gilliam County Title's principal place of business is 10121 SE Sunnyside Road, Suite 300 in Clackamas. According to Secretary of State records, Lowell C. Hallock is the registered agent and president of the company. Division investigators were told by a company receptionist that William Ezra was a manager at the company. Neither Hallock nor Ezra is licensed to sell insurance in Oregon.

Gilliam County Title, Hallock, and Ezra all have not responded to inquiries and communications from the division.

In Oregon, insurance agents and agencies must be licensed to sell insurance by the division. This license ensures that insurance agents are held to high standards of education and ethics. Selling insurance without a license is illegal.

"This is another reminder to always check that the person or company you are working with is licensed to sell insurance in the state of Oregon," said Jean Straight, acting DCBS director.

Oregonians can look up licensing information by calling 888-877-4894 (toll-free) or visiting dfr.oregon.gov.

The final order can be found online at http://dfr.oregon.gov/AdminOrders/enf-orders-2017/Gilliam%20Final%20Order%20with%20SSIG.pdf.

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The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon's largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov and www.dfr.oregon.gov .

State fines Ontario man for taking $250,000 in investor money - 09/28/17

(Salem) - The Oregon Department of Consumer and Business Services (DCBS), Division of Financial Regulation has fined an Ontario man and his companies for securities fraud and perpetuating a communitywide investment scam. The division fined Robert D. Doughty of Ontario and his companies -- Inland Pacific Energy Center and Global Alternative Energies Centers -- $35,000 for selling fraudulent securities to at least 12 people.

Oregonians should beware that Robert D. Doughty -- who goes by Bob Doughty -- is still soliciting investments into the scam.

In a cease-and-desist order issued on Sept. 21, 2017, the department levied the $35,000 fine and ordered Doughty to stop violating Oregon securities law.

Starting in 2005, Doughty convinced at least 12 people to invest a total of $250,000 into a biodiesel and ethanol refinery in Stanfield, Oregon that did not exist. The investment money was used to promote the scheme and pay for extensive travel, lodging, and food expenses for Doughty.

The scheme involved community meetings and pitches and pleas for support to the local press, Oregon State University, and city council members.

Doughty claimed to own land in Stanfield, and that he was going to build a manufacturing plant that produced biodiesel, ethanol, industrial chemicals, agriculture feed, and pharmaceutical ingredients. At various times since 2005, Doughty claimed to have $120 million in equity funding committed, $545 million in funding committed, and $5.6 billion in pending financing; implied that local governments were involved with the project; and said he applied for permits to begin construction.

None of these claims were ever true and Doughty continues to solicit investments via Linkedin.com.

In addition, Doughty does not have the required securities license to solicit or sell investments, nor are his investments registered in Oregon, both required by state securities law. Anyone considering an investment with Doughty or his companies -- Inland Pacific Energy Center and Global Alternative Energies Centers -- should immediately call the division at 866-814-9710 (toll-free).

"This is another reminder of how important it is to check out proposed investments and the person promoting them," said Jean Straight, acting DCBS director. "Renewable energy, gold, silver, oil, gas, new tech ventures, and legal marijuana are all buzzworthy industries that scammers like to use to take your money. We urge anyone considering an investment to contact us to verify the information."

Information about licensing, registration, and enforcement history for individuals and companies can be found on the division website at dfr.oregon.gov or by calling 866-814-9710 (toll-free).

The full order can be read at http://dfr.oregon.gov/AdminOrders/enf-orders-2017/S-17-0063.pdf.

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The Division of Financial Regulation is part of the Department of Consumer and Business Services, Oregon's largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov and www.dfr.oregon.gov .

Attached Media Files: Download the order here
Free workshops on health insurance set for Bend on Oct. 2 and Oct. 25 - 09/27/17

(Salem) -- The Oregon Health Insurance Marketplace will sponsor "Health Insurance 101," a free one-hour workshop on understanding health insurance, twice next month in Bend.

These events, which are open to the public, will be from 7:30 to 8:30 p.m. on Monday, Oct. 2, and 11:30 a.m. to 12:30 p.m. on Wednesday, Oct. 25. Both presentations will be at the Bend Library, 62080 Dean Swift Road in Bend.

The workshops will help attendees prepare for this year's short health insurance open enrollment period, which will run from Nov. 1 to Dec. 15. An experienced health-insurance educator from the Marketplace will:
* Explain how health insurance works
* Describe coverage options
* Answer questions about health insurance in Oregon

To register, call 855-268-3767 (toll-free) or email info.marketplace@oregon.gov.

Free workshop on health insurance set for Madras on Oct. 2 - 09/27/17

(Salem) -- The Oregon Health Insurance Marketplace will sponsor "Health Insurance 101," a free one-hour workshop on understanding health insurance, next month in Madras.

The event, which is open to the public, will be held from 10:30 to 11:30 a.m. on Monday, Oct. 2, at the Jefferson County Library, 241 SE 7th St. in Madras.

The workshop will help attendees prepare for this year's short health insurance open enrollment period, which will run from Nov. 1 to Dec. 15. An experienced health-insurance educator from the Marketplace will:
* Explain how health insurance works
* Describe coverage options
* Answer questions about health insurance in Oregon

To register, call 855-268-3767 (toll-free) or email info.marketplace@oregon.gov.

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The Oregon Health Insurance Marketplace is part of the Department of Consumer and Business Services, Oregon's largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov. Follow DCBS on Twitter: twitter.com/OregonDCBS. Receive consumer help and information on insurance, mortgages, investments, workplace safety, and more.

Free workshop on health insurance set for Prineville on Oct. 2 - 09/27/17

(Salem) -- The Oregon Health Insurance Marketplace will sponsor "Health Insurance 101," a free two-hour workshop on understanding health insurance, next month in Prineville.

The event, which is open to the public, will be from 2:30 to 3:30 p.m. on Monday, Oct. 2, at the Crook County Library, 175 NW Meadow Lakes Drive in Prineville.

The workshop will help attendees prepare for this year's short health insurance open enrollment period, which will run from Nov. 1 to Dec. 15. An experienced health-insurance educator from the Marketplace will:
* Explain how health insurance works
* Describe coverage options
* Answer questions about health insurance in Oregon

To register, call 855-268-3767 (toll-free) or email info.marketplace@oregon.gov.

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The Oregon Health Insurance Marketplace is part of the Department of Consumer and Business Services, Oregon's largest business regulatory and consumer protection agency. Visit www.dcbs.oregon.gov. Follow DCBS on Twitter: twitter.com/OregonDCBS. Receive consumer help and information on insurance, mortgages, investments, workplace safety, and more.