---
type: "Bill"
title: "Relating to explanations required in connection with premium increases upon renewals of certain insurance policies; and prescribing an effective date."
description: "Requires an insurer to provide to an insured a clear and reasonable explanation of the reasons for any increase in the premium amount for a qualified policy upon renewal of the qualified policy. Specifies standards for a clear and reasonable explanation. Takes effect on the 91st day following adjournment sine die."
jurisdiction: "us/states/or"
legislature: "Oregon Legislative Assembly"
session: "2025R1"
identifier: "HB 2563"
citation: "Oregon HB 2563 (2025R1)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: []
version_count: 5
action_count: 28
vote_count: 4
first_action: "2025-01-13T16:01:32+00:00"
last_action: "2025-07-07T19:24:25+00:00"
source: "openstates"
source_identifier: "ocd-bill/fd24a1cb-f523-4222-a712-f19af76655ec"
source_url: "https://olis.oregonlegislature.gov/liz/2025R1/Measures/Overview/HB2563"
source_hash: "1e2bf5378d0be24ff4c1433cc2ef01f271272604a21aa06040f1d9ef5381375f"
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 2563 (2025R1) — Relating to explanations required in connection with premium increases upon renewals of certain insurance policies; and prescribing an effective date.

Requires an insurer to provide to an insured a clear and reasonable explanation of the reasons for any increase in the premium amount for a qualified policy upon renewal of the qualified policy. Specifies standards for a clear and reasonable explanation. Takes effect on the 91st day following adjournment sine die.

## 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/HB2563/House%20Amendments%20to%20Introduced)
2. **Introduced** (filed) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/MeasureDocument/HB2563/Introduced)
3. **A-Engrossed** (committee substitute) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/MeasureDocument/HB2563/A-Engrossed)
4. **HCCP Amendment -1** (committee substitute) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/ProposedAmendment/27310)
5. **Enrolled** (enrolled) — [source](https://olis.oregonlegislature.gov/liz/2025R1/Downloads/MeasureDocument/HB2563/Enrolled)

## Votes

- Third reading. Carried by Chaichi. Passed. — **33–22** (pass) · lower
- Heard and Reported Out — **4–1** (pass) · upper
- Third reading. Carried by Pham. Passed. — **21–8** (pass) · upper
- Heard and Reported Out with Amendments — **6–3** (pass) · lower

## 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 Commerce and Consumer Protection with subsequent referral to Ways and Means. `referral-committee`
- **2025-02-11T21:01:00+00:00** Public Hearing held.
- **2025-03-27T20:02:00+00:00** Work Session held.
- **2025-04-02T22:01:25+00:00** Recommendation: Do pass with amendments, be printed A-Engrossed, and subsequent referral to Ways and Means be rescinded. `committee-passage-favorable`
- **2025-04-02T22:02:48+00:00** Subsequent referral to Ways and Means rescinded by order of the Speaker.
- **2025-04-03T18:56:16+00:00** Second reading. `reading-2`
- **2025-04-07T19:31:32+00:00** Rules suspended. Carried over to April 8, 2025 Calendar.
- **2025-04-08T19:12:03+00:00** Third reading. Carried by Chaichi. Passed. `passage, reading-3`
- **2025-04-09T18:24:55+00:00** First reading. Referred to President's desk. `introduction, reading-1, referral-committee`
- **2025-04-09T20:09:08+00:00** Referred to Labor and Business. `referral-committee`
- **2025-05-15T21:46:00+00:00** Public Hearing held.
- **2025-05-20T15:02:00+00:00** Work Session held.
- **2025-05-22T17:09:15+00:00** Recommendation: Do pass the A-Eng. bill. `committee-passage-favorable`
- **2025-05-22T19:00:06+00:00** Second reading. `reading-2`
- **2025-05-27T19:17:19+00:00** Carried over to 05-28 by unanimous consent.
- **2025-05-28T20:29:31+00:00** Carried over to 05-29 by unanimous consent.
- **2025-05-29T21:59:57+00:00** Carried over to 06-02 by unanimous consent.
- **2025-06-02T19:24:04+00:00** Carried over to 06-03 by unanimous consent.
- **2025-06-03T19:39:23+00:00** Carried over to 06-04 by unanimous consent.
- **2025-06-04T19:31:28+00:00** Carried over to 06-05 by unanimous consent.
- **2025-06-05T19:02:25+00:00** Carried over to 06-09 by unanimous consent.
- **2025-06-09T19:36:00+00:00** Carried over to 06-10 by unanimous consent.
- **2025-06-10T19:15:18+00:00** Third reading. Carried by Pham. Passed. `passage, reading-3`
- **2025-06-12T21:28:33+00:00** Speaker signed. `passage`
- **2025-06-12T22:42:53+00:00** President signed. `passage`
- **2025-06-20T20:08:12+00:00** Governor signed. `executive-signature`
- **2025-07-07T19:24:25+00:00** Chapter 351, (2025 Laws): Effective date September 26, 2025.

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/fd24a1cb-f523-4222-a712-f19af76655ec`. Confidence: reported (aggregated from official Oregon legislature records).