Medicare Advantage

HMO or PPO? Oregon Medicare Advantage for 2027: 55 HMO Plans, 40 PPO

PORTLAND — Oregonians comparing Medicare Advantage for 2027 will see the market tilt slightly toward HMO-style coverage, with 55 HMO plans (including HMO-POS) and 40 PPO plans listed statewide in the CMS Landscape file for the coming plan year.

The totals come from the official CMS Medicare Advantage Landscape Source File for CY2027. They describe what carriers have filed to offer across Oregon; the plans actually available to any one reader depend on the county they live in.

How is Oregon's 2027 Medicare Advantage market split between HMO and PPO?

For 2027, Oregon's Medicare Advantage market lists 95 plans from 14 carriers, split into 38 HMO, 17 HMO-POS and 40 PPO plans, according to the CMS Landscape file. Counting HMO and HMO-POS together, that is 55 HMO-type plans and 40 PPO plans statewide.

Each plan is filed county by county, so a plan counted here may or may not appear on a particular reader's Medicare Plan Finder results. The statewide totals are a starting point for understanding the shape of the market, not a promise of what shows up at a given ZIP code.

What do HMO, HMO-POS, PPO and PFFS mean for networks, referrals and out-of-network care in Oregon?

In Oregon for 2027, an HMO (Health Maintenance Organization) plan generally asks members to use the plan's contracted network and, in many cases, to get referrals from a primary care provider before seeing a specialist. Out-of-network care is typically not covered except in emergencies.

An HMO-POS (Point of Service) plan is an HMO that adds a limited "point of service" option, allowing some care from out-of-network providers under specific rules the plan sets. A PPO (Preferred Provider Organization) plan contracts with a preferred network but also covers out-of-network providers who accept Medicare, usually at a higher member cost share, and generally does not require referrals. A PFFS (Private Fee-for-Service) plan sets its own payment terms and lets members see any Medicare-approved provider who agrees to the plan's terms; no PFFS plans appear in Oregon's 2027 statewide block.

The exact network, referral rules and out-of-network cost share for any plan are defined in that plan's Evidence of Coverage and provider directory, not in the Landscape file.

Which Oregon carriers offer HMO, HMO-POS and PPO plans for 2027?

For 2027, ten carriers file HMO plans in Oregon, six file HMO-POS plans, and six file PPO plans; the full carrier-by-type lists are shown in the tables on this page.

The HMO carriers listed for Oregon in 2027 are Aetna (CVS Health), AgeRight Advantage, AllCare Advantage, ATRIO Health Plans, CareOregon Advantage, Devoted Health, Humana, PacificSource Medicare, Regence BlueCross BlueShield of Oregon, and Samaritan Advantage Health Plans. HMO-POS carriers are Aetna (CVS Health), Centene (WellCare), Kaiser Permanente, PacificSource Medicare, SCAN Health Plan, and UnitedHealthcare. PPO carriers are ATRIO Health Plans, Centene (WellCare), Devoted Health, Humana, Regence BlueCross BlueShield of Oregon, and UnitedHealthcare.

Some carriers show up under more than one type, which is why the carrier counts by type add up to more than 14. Whether any of these carriers serves a specific county, and which of their plans do, is answered by the Medicare Plan Finder for that ZIP code.

How should an Oregon reader decide which plan type fits their doctors and travel for 2027?

A practical way to narrow the choice in Oregon for 2027 is to start with the providers you already use and the places you spend time outside your home county, then see which plan types line up.

If your doctors, clinics and hospitals are all in one local network and you rarely leave the area, an HMO or HMO-POS may suit how you use care. If you split time between Oregon counties, travel out of state for part of the year, or want flexibility to see a specialist who may not be in-network, a PPO's out-of-network coverage can matter more. Readers who need regular care in another state should confirm how a plan treats non-emergency out-of-network services before enrolling.

Build a short list by writing down: your current primary care provider, any specialists, your preferred hospital, and your prescriptions. Then check each candidate plan's directory and drug list on the Medicare Plan Finder at medicare.gov.

What should Oregonians do before December 7, 2026?

Before December 7, 2026, Oregon readers can compare 2027 Medicare Advantage plans on the Medicare Plan Finder at medicare.gov and make or change a choice that takes effect January 1, 2027. The Annual Enrollment Period opens October 15, 2026.

A useful sequence: confirm your ZIP code and county, enter your prescriptions, check that your providers appear in the plan's network, review the plan's Summary of Benefits and Evidence of Coverage, and only then enroll. Keep a written note of any confirmation number. If you take no action, your current coverage generally continues under its 2027 terms as described in the Annual Notice of Change your plan mailed in the fall.

Where can Oregonians get free help comparing 2027 Medicare plans?

Free, unbiased help is available from Medicare itself. The Medicare Plan Finder at medicare.gov lets you enter your ZIP code, doctors and drugs to see the plans available in your county for 2027, and 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, seven days a week.

For questions about Part A and Part B eligibility, the Social Security Administration at ssa.gov and 1-800-772-1213 is the authoritative source. For specific plan rules — networks, referrals, prior authorization, drug tiers — the plan's own Evidence of Coverage and member services line are the record.