The Oregon Insurance Division reports new health insurance rate review laws have helped them reduce costs for a small group of consumers. Cheryl Martinis with the Division says they reviewed rate plans for small group and individual insurance companies, requiring lower-than-requested rates on about half of the cases.  Martinis says the reviews have saved Oregonians about $25-million statewide over the past year,  or about ten dollars per month per ratepayer on the effected plans.