Medicare Advantage

Lake Oswego Medicare: How Many Plans for 2027

LAKE OSWEGO, Ore. — If you're sorting through Medicare choices in Lake Oswego this fall, here's a straightforward look at how many options are on the table for 2027 — and where to go for answers you can trust.

How many Medicare options are in the Lake Oswego area?

Lake Oswego sits in Clackamas County, where Medicare plan availability is set at the county level. For 2026, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage and Part D Landscape data, Clackamas County residents could choose from the counts below. The 2027 lineup is in each plan's ANOC and on Medicare.gov's Plan Finder:

• 59 Medicare Advantage plans (most include prescription drug coverage)
• 13 carriers offering Medicare Advantage plans with drug coverage (MA-PD)
• 10 stand-alone Part D prescription drug plans available in Oregon for 2026, sold statewide

That's a lot of choices to sift through — which is why it helps to understand what these numbers actually mean before you start comparing.

What the plan count really tells you

A big number like 59 doesn't mean you personally have 59 good matches. It means insurers have filed that many Medicare Advantage plan options for people who live in Clackamas County. Each plan has its own network, drug list, and rules.

When you use Medicare's Plan Finder at medicare.gov, you can enter your ZIP code, your prescriptions, and your preferred pharmacies. The tool then narrows the field to plans that actually fit your situation. That's a much more useful list than the raw county total.

A note on stand-alone Part D plans

For stand-alone Part D (PDP) coverage, Oregon has 10 stand-alone Part D plans for 2026, sold statewide. CMS organizes stand-alone PDPs by region, not county, so every county in Oregon shares the same statewide list of plans. If you're on Original Medicare and want drug coverage, you'll see those PDP options when you search by ZIP code on medicare.gov.

Who's shopping for coverage here?

Roughly 84,323 people age 65 and older live in Clackamas County, so the local Medicare community is sizable. Some are aging into Medicare for the first time; others are reviewing coverage during the Annual Enrollment Period. Both groups face the same task: matching a plan to their doctors, medications, and budget.

Key 2027 program facts to keep in mind

While plan-specific details vary, these program-wide rules apply to everyone with Medicare in 2026:

• Part D out-of-pocket cap: $2,100 in 2026 ($2,400 in 2027). Once your covered drug spending hits this limit, you pay $0 for covered drugs the rest of the year.
• Part D maximum deductible: $615 in 2026 ($700 in 2027) (plans can set a lower one).
• The coverage gap ("donut hole") is gone as of 2025. Part D now has three phases instead of four.
• Medicare Prescription Payment Plan: an optional program that lets you spread your yearly drug costs into monthly payments.
• IRMAA: higher-income surcharges begin above $109,000 for single filers in 2026.
• Annual Enrollment Period: October 15 – December 7.
• Medicare Advantage Open Enrollment: January 1 – March 31 (for people already in an MA plan).

How to actually compare 59 options without losing your mind

A few practical steps:

1. Make a list of your doctors and prescriptions before you shop. Networks and drug formularies vary widely. 2. Use Plan Finder at medicare.gov. Enter your ZIP (97034, 97035, etc.) and your drugs to see personalized results. 3. Call 1-800-MEDICARE (24/7) with specific questions. 4. Reach Oregon's SHIBA program — Oregon's State Health Insurance Assistance Program (SHIP) — for free, unbiased counseling. Call 800-722-4134.