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Marketplace and carriers debate how to display standard plan names as state shifts to new marketplace
Summary
Marketplace and carrier representatives discussed simplifying standard plan naming to avoid truncated names in the state-based marketplace, including whether to drop 'Oregon' or the word 'plan' and whether to display carrier or network names first; staff said current rule language specifies insurer name then 'standard' then metal tier but indicated some flexibility in display and suggested a deeper discussion in IC or in 2028.
During public comment, Katie Button, Plan Management Analyst for the Oregon Health Insurance Marketplace, urged the committee to consider simplifying how standard plan names display in the state-based marketplace so shoppers are not confused by truncated names.
Button demonstrated an example from Illinois' GetInsured platform and recommended removing "Oregon" from the plan name and dropping the word "plan," arguing those edits would shorten names and make standard plans easier to identify. "I would remove the word plan from the name because the carriers don't include the word plan in their other plan names," Button said, and she asked whether the marketplace could show network names earlier in the shopping experience so standard plans are easier to compare.
Scott White of Moda Health said from a consumer standpoint the carrier name first "seems... what you would want to see," because network names may be less meaningful to consumers; he offered to take the conversation back to product teams. Antoinette Uwachi and Cambia's representative said nonstandard plans already show more flexibility and asked whether the marketplace could accommodate similar ordering for standard plans.
Staff clarified that current rule language requires the name of the insurer, then the word "standard," then the metal tier (for example, "MODA standard bronze plan"), and that insurer names may be shortened to a commonly used acronym for consumer-facing materials. The chair said the committee could remove a perceived requirement to include "Oregon" if it is a remnant of old marketing. Participants agreed the naming conversation could continue in the IC or be revisited in 2028 when broader changes are timed for the marketplace transition. Button said she would submit the naming question for the next IC topic and the committee encouraged a written follow-up.
No formal rule change to naming was adopted at the meeting; staff asked participants to share feedback by email and to raise naming in IC if a broader change is warranted.
