---
type: "Bill"
title: "Relating to medical out-of-pocket costs."
description: "Requires certain health insurers to credit any amount an enrollee pays directly to a provider toward out-of-pocket costs and deductibles in certain circumstances."
jurisdiction: "us/states/or"
legislature: "Oregon Legislative Assembly"
session: "2025R1"
identifier: "HB 2540"
citation: "Oregon HB 2540 (2025R1)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Cyrus Javadi", "Ed Diehl", "Emily McIntire", "Hai Pham"]
version_count: 5
action_count: 21
vote_count: 4
first_action: "2025-01-13T16:01:32+00:00"
last_action: "2025-06-11T23:59:21+00:00"
source: "openstates"
source_identifier: "ocd-bill/be77246b-b903-451b-b536-75818f7ff8c1"
source_url: "https://olis.oregonlegislature.gov/liz/2025R1/Measures/Overview/HB2540"
source_hash: "c680a9f561df5590b81377886d060bdc9ae33c9728a762c2029077e290453444"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-or"]
---

# Oregon HB 2540 (2025R1) — Relating to medical out-of-pocket costs.

Requires certain health insurers to credit any amount an enrollee pays directly to a provider toward out-of-pocket costs and deductibles in certain circumstances.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **House Amendments to Introduced** (filed) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/MeasureDocument/HB2540/House%20Amendments%20to%20Introduced)
2. **Introduced** (filed) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/MeasureDocument/HB2540/Introduced)
3. **A-Engrossed** (committee substitute) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/MeasureDocument/HB2540/A-Engrossed)
4. **HBHHC Amendment -1** (committee substitute) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/ProposedAmendment/26642)
5. **Enrolled** (enrolled) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/MeasureDocument/HB2540/Enrolled)

## Votes

- Heard and Reported Out with Amendments — **9–0** (pass) · lower
- Heard and Reported Out — **5–0** (pass) · upper
- Third reading. Carried by Diehl. Passed. — **53–0** (pass) · lower
- Third reading. Carried by Hayden. Passed. — **29–0** (pass) · upper

## Sponsors

- Cyrus Javadi — primary (person)
- Ed Diehl — primary (person)
- Emily McIntire — primary (person)
- Hai Pham — primary (person)
- Alek Skarlatos — cosponsor (person)
- Bobby Levy — cosponsor (person)
- Cedric Hayden — cosponsor (person)
- Daniel Bonham — cosponsor (person)
- Darin Harbick — cosponsor (person)
- David Brock Smith — cosponsor (person)
- Deb Patterson — cosponsor (person)
- Dwayne Yunker — cosponsor (person)
- Julie Fahey — cosponsor (person)
- Mari Watanabe — cosponsor (person)
- Mike McLane — cosponsor (person)
- Paul Evans — cosponsor (person)
- Rep Neron — cosponsor (person)
- Rob Nosse — cosponsor (person)
- Shelly Boshart Davis — cosponsor (person)
- Tom Andersen — cosponsor (person)
- Travis Nelson — cosponsor (person)
- Zach Hudson — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-01-13T16:01:32+00:00** First reading. Referred to Speaker's desk. `introduction, reading-1, referral-committee`
- **2025-01-17T20:47:46+00:00** Referred to Behavioral Health and Health Care. `referral-committee`
- **2025-02-13T23:01:00+00:00** Public Hearing cancelled.
- **2025-02-25T23:01:00+00:00** Public Hearing held.
- **2025-03-06T23:02:00+00:00** Work Session held.
- **2025-03-12T20:29:05+00:00** Recommendation: Do pass with amendments and be printed A-Engrossed. `committee-passage-favorable`
- **2025-03-13T18:37:57+00:00** Second reading. `reading-2`
- **2025-03-17T18:29:23+00:00** Third reading. Carried by Diehl. Passed. `passage, reading-3`
- **2025-03-18T17:52:17+00:00** First reading. Referred to President's desk. `introduction, reading-1, referral-committee`
- **2025-03-18T18:53:50+00:00** Referred to Health Care. `referral-committee`
- **2025-04-17T22:01:00+00:00** Public Hearing held.
- **2025-04-29T22:02:00+00:00** Work Session held.
- **2025-05-07T17:09:20+00:00** Recommendation: Do pass the A-Eng. bill. `committee-passage-favorable`
- **2025-05-07T19:01:49+00:00** Second reading. `reading-2`
- **2025-05-08T18:40:05+00:00** Carried over to 05-12 by unanimous consent.
- **2025-05-12T19:29:07+00:00** Carried over to 05-13 by unanimous consent.
- **2025-05-13T18:48:33+00:00** Third reading. Carried by Hayden. Passed. `passage, reading-3`
- **2025-05-14T20:42:14+00:00** Speaker signed. `passage`
- **2025-05-15T17:01:27+00:00** President signed. `passage`
- **2025-05-23T01:58:03+00:00** Governor signed. `executive-signature`
- **2025-06-11T23:59:21+00:00** Chapter 120, (2025 Laws): Effective date January 1, 2026.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/be77246b-b903-451b-b536-75818f7ff8c1`. Confidence: reported (aggregated from official Oregon legislature records).