Most Families Enrolled in Oregon’s Premium Assistance Program Lacked Employer-Sponsored Health Insurance At the time of the study (2002), the Oregon Family Health Insurance Assistance Program (FHIAP) was a State-funded program that provided premium subsidies to families at up to 170 percent of FPL. Oregon’s premium assistance program was unusual in that families who chose to enroll in FHIAP could use the subsidy to purchase employer-sponsored insurance or to buy individual coverage directly from insurers. Seventy percent of FHIAP families did not have access to employer-sponsored health insurance and therefore purchased their coverage in the individual market
