Oregon Insurance Commissioner Laura Cali attributes the decrease in some premiums to competition and Oregonians expanded access to health coverage.

Lisa Morawski with the Oregon Department of Consumer and Business Services agrees.

"Another thing we're seeing is more Oregonians have access and that's resulting in less uncompensated coverage . Its services that are unpaid to medical providers.  And because there's less uncompensated care, and that's bringing down rates as well."

Although rates vary by insurer, the average monthly premium for a standard plan for a 40 year old will be $250 a month, compared to $262 dollars a month in 2014.

Moda Healthcare has two thirds of the individual healthcare market in the state and they are raising rates by ten percent, but many smaller carriers are dropping rates next year.