Medicare 2026
Medicare in Oregon for 2027: 31 Advantage Plans Leaving, 25 New, and What Else Changes
PORTLAND, Ore. — People with Medicare in Oregon will see a smaller Medicare Advantage menu for 2027, two carriers stepping away statewide, one carrier arriving, and a Part D program with a new out-of-pocket ceiling. Here is what the official 2027 plan files, Medicare.gov and the Social Security Administration have confirmed so far — and what has not been announced yet.
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Key takeaways
- Oregon will have 95 Medicare Advantage plans in 2027, down from 101 in 2026, with 31 leaving, 25 new, and 40 changing.
- If a current plan is not returning in 2027, a Special Enrollment Period runs through February 2027 to pick a new plan.
- The Part D out-of-pocket cap rises to $2,400 in 2027, and no Part D plan may charge a deductible above $700.
- Annual Enrollment for 2027 runs October 15 – December 7, 2026, and choices take effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many Medicare Advantage plans are offered in Oregon for 2027?
Oregon has 95 Medicare Advantage plans listed for 2027, compared with 101 in 2026, spread across 31 counties. Of the 2026 plans, 31 are not returning anywhere in the state, 25 plans are brand new, and 40 are changing in some way — a different premium, drug deductible, plan type or plan name.
Two carriers are not offering a Medicare Advantage plan anywhere in Oregon for 2027: HealthSpring and Providence Medicare Advantage Plans. One carrier is new to the Oregon market: SCAN Health Plan. Because Medicare Advantage is sold county by county, the plans counted statewide are not all available in every ZIP code. The Medicare Plan Finder at medicare.gov shows what is actually offered at a given address.
Members affected by a change should watch the mail. Every Medicare Advantage and Part D plan sends an Annual Notice of Change (ANOC) in the fall explaining what is different for the next year. If a plan is leaving the Oregon market, the insurer also sends a non-renewal letter. People in a non-renewing plan qualify for a Special Enrollment Period that runs through February 2027 to pick a new Medicare Advantage plan or return to Original Medicare with a stand-alone Part D plan.
Which Oregon counties have the most Medicare Advantage change for 2027?
The Portland metro counties see the largest churn in Oregon for 2027. Clackamas, Multnomah and Washington counties each have 18 plans leaving and 22 plans changing. Lane County has 15 leaving and 16 changing. Yamhill County has 10 leaving and 15 changing.
"Leaving" means the plan will not be offered in that county in 2027; "changing" means the plan is still offered but something on the official filing — premium, drug deductible, plan type or plan name — is different. Neither label tells a member whether the new year is better or worse for their situation. The ANOC compared with the Plan Finder for 2027 is the way to see the actual effect.
What stand-alone Part D plans are available in Oregon for 2027?
Oregon has 8 stand-alone Part D prescription drug plans for 2027, from 4 insurers, down from 10 plans in 2026. Stand-alone Part D is the drug coverage used with Original Medicare, or with a Medicare Advantage plan that does not include drugs.
Two national Part D rules apply in Oregon in 2027: the annual out-of-pocket cap for covered drugs is $2,400 (up from $2,100 in 2026), and no Part D plan may charge a deductible above $700. Premiums, formularies and pharmacy networks are set plan by plan and appear on the Plan Finder.
How many Medigap insurers are available in Oregon for 2027?
Medicare.gov lists 16 Medigap insurers for an Oregon ZIP code. Medigap (also called Medicare Supplement Insurance) is used with Original Medicare to help with cost-sharing; it does not work with Medicare Advantage.
Medigap enrollment rules — the one-time Medigap Open Enrollment Period that starts when someone is 65 and enrolled in Part B, and the limited situations where a person has a guaranteed right to buy a policy later — are explained on medicare.gov. The exact plans, prices and underwriting rules available at an address come from the insurers and from the Medicare.gov plan comparison tool.
What national Medicare numbers are set for 2027, and what is the Social Security COLA?
Three national Part D figures are set for 2027: the out-of-pocket cap is $2,400, the maximum Part D deductible any plan may charge is $700, and the Part D base beneficiary premium — a national figure used to calculate the late-enrollment penalty — is $41.33. Actual Part D plan premiums are set plan by plan.
The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment (COLA) for benefits payable beginning January 2027.
The 2027 Part B standard premium and deductible, and the 2027 IRMAA income-related surcharges, have not been announced. CMS normally publishes those figures in the fall, usually November. Until then, any 2027 Part B number is a guess.
What should an Oregon Medicare member do before December 7, 2026?
Annual Enrollment for 2027 runs October 15 – December 7, 2026, and the choice made in that window takes effect January 1, 2027. A short checklist for Oregon:
- Read the ANOC from the current Medicare Advantage or Part D plan when it arrives in the fall.
- If a non-renewal letter arrives, note the Special Enrollment Period through February 2027.
- Make a current list of prescriptions, pharmacies and doctors.
- Use the Plan Finder at medicare.gov to compare 2027 options at the home ZIP code.
- Confirm any plan details directly with the insurer before enrolling.
Where can Oregonians get free Medicare help for 2027?
Free, official help is available year-round at medicare.gov and by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, including TTY 1-877-486-2048. Those channels show the plans actually offered at an Oregon address, the current year's rules, and the enrollment windows that apply to a specific situation.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Prescription coverage
How Medicare Part D works in 2026
The old coverage gap (“donut hole”) is eliminated as of 2025 (three phases now). There’s now a hard yearly cap of $2,100 on what you pay out of pocket for covered drugs, and you can spread those costs across the year with the Medicare Prescription Payment Plan.
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
What happens if my Medicare Advantage plan is not offered in Oregon in 2027?
Does the 3.6 percent Social Security COLA mean my Medicare costs stay the same?
How much can a Part D plan charge me out of pocket in 2027?
Is Medigap the same as Medicare Advantage in Oregon?
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare Part D program rules (medicare.gov)
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
- Medicare.gov Medigap policy search
Figures cited in this article
- CMS — Medicare Advantage Landscape Source Files, 2026 and 2027: the Oregon plan counts, the leaving/new/changing breakdown, the carrier changes, and the county-level numbers.
- CMS — Medicare Part D program rules (medicare.gov): the 2027 out-of-pocket cap, maximum plan deductible and base beneficiary premium.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the Medigap insurer count for an Oregon ZIP code and the enrollment-rule framework.
- CMS — Medicare enrollment periods (medicare.gov): the Annual Enrollment dates and the Special Enrollment Period for non-renewing plans.
- Social Security Administration: the 3.6 percent COLA for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.