Medicare in Oregon: 2026 Plans, Costs, and Enrollment Guide

Oregon Medicare Snapshot

Oregon has 102 Medicare Advantage plans from 15 carriers for 2026 (CMS CY2026 Landscape). The Oregon Medigap market uses the standard federal plan letters with attained-age pricing and is shaped by the Oregon Medigap Birthday Rule (ORS 743A.086, effective January 1, 2020) — an annual no-underwriting carrier-switch window available to current Medigap policyholders around their birthday.

The average consolidated MA premium is $26.04/month (CMS CY2026 Landscape). The standard Medicare Part B premium is $202.90/month in 2026. The Oregon MA market is led by ATRIO Health Plans (16 plans), PacificSource Medicare (12 plans), and Humana (11 plans). ATRIO and PacificSource are Oregon-based regional carriers.

Plan Types Available in Oregon

Medicare Advantage (Part C)

In Oregon, 102 MA plans are available for 2026 from 15 carriers (CMS CY2026 Landscape). The largest plan-type categories are PPO (38), HMO (18), HMO-POS (17), HMO D-SNP (8), and HMO C-SNP (4); additional MA plans fall outside the top categories.

Top carriers by plan count: ATRIO Health Plans (16 plans), PacificSource Medicare (12 plans), and Humana (11 plans). ATRIO and PacificSource are Oregon-based regional carriers. Average MA star rating is 3.36. County-level plan counts range from Clackamas (59 plans) down to Curry County (1 plan).

Medigap (Medicare Supplement)

Oregon uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 19 carriers offer Plan G in Oregon in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 13 Oregon carriers.

Oregon Medigap rates use attained-age pricing — premiums increase as you age. Current Oregon Medigap policyholders also benefit from the Oregon Birthday Rule (see Oregon-Specific Medicare Rules below). See our MA vs Medigap comparison →

Standalone Part D (Prescription Drug Plans)

Oregon is in CMS PDP Region 30 (combined with Washington). For 2026, there are 10 standalone PDP plans from 5 carriers in the region. Average total premium is $41.50/month (CMS CY2026 Landscape).

Costs in Oregon

Medicare Advantage Premiums

The average consolidated MA premium in Oregon is $26.04/month (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet). The standard Medicare Part B premium is $202.90/month in 2026.

Medigap Premiums — Plan G and HDG

Oregon Medigap rates use attained-age pricing (premiums based on current age). Across the 19 Oregon Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $166 to $699/month (TPP rate database, CY2026).

High-Deductible Plan G (HDG) is offered by 13 Oregon carriers; premiums range from approximately $165 to $664/month (TPP rate database, CY2026, non-tobacco, ages 65–85). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the $2,950 annual deductible (2026 CMS high-deductible Medigap deductible).

Part D Costs and the LIS Benchmark

For 2026, Part D premiums in PDP Region 30 (OR, WA) average $41.50/month across 10 standalone PDP plans (CMS CY2026 Landscape). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 30 is $10.46/month (CMS CY2026 Regional Rates and Benchmarks).

Oregon-Specific Medicare Rules

Oregon Medigap Birthday Rule (ORS 743A.086)

Oregon law (ORS 743A.086, effective January 1, 2020) gives current Medicare Supplement policyholders an annual no-underwriting open enrollment window around their birthday. Per the Oregon Division of Financial Regulation (SHIBA) Birthday Rule fact sheet:

• Window: The window starts 30 days before your birthday and ends 30 days after your birthday — roughly a 60-day window each year.
• Eligibility:You must already have a Medicare Supplement policy in force to use the Birthday Rule (it does not provide initial guaranteed-issue for beneficiaries who don't yet have a Medigap policy). Self-funded employer-sponsored group Medigap plans are not eligible.
• Allowed switch: You can switch to a Medigap plan with the same plan letter as your current plan or a plan with lesser benefits, with any Oregon-licensed Medigap insurer.
• No medical underwriting: The new insurer cannot deny coverage or charge higher premiums based on health status.
• Effective date adjustments: Insurers may adjust the effective date of the new policy to avoid two simultaneously active policies.

Note: The exact statutory eligibility and rule terms can be revised by the Oregon legislature or rulemaking; verify current rule scope on the Oregon SHIBA site before relying on details.

Medicare Savings Programs (MSPs)

Oregon offers Medicare Savings Programs (MSPs) through the Oregon Health Authority (Medicaid / Oregon Health Plan):

• QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
• SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
• QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.

Apply through the Oregon Health Authority or contact Oregon SHIBA (1-800-722-4134) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →

Oregon SHIBA

Oregon SHIBA (Senior Health Insurance Benefits Assistance) is Oregon's federally designated State Health Insurance Assistance Program (SHIP), operated by the Oregon Division of Financial Regulation. SHIBA provides free, unbiased Medicare counseling statewide through trained volunteers.

Phone: 1-800-722-4134
Website: oregonshiba.org

Enrolling in Medicare in Oregon

Standard Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
• Annual Election Period (AEP): October 15 – December 7 each year.
• Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
• Oregon Birthday Rule (Medigap): 30 days before + 30 days after your birthday — same plan letter or lesser-benefit plan with any Oregon-licensed insurer, no underwriting (ORS 743A.086).
• Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B; first-time Medigap guaranteed-issue.
• Special Enrollment Periods (SEPs): Learn more →

Oregon SHIBA Counseling

Contact Oregon SHIBA at 1-800-722-4134 for free one-on-one Medicare guidance statewide.

Frequently Asked Questions