Medicare Advantage

Kaiser Permanente's 2027 Medicare Advantage lineup in Portland, plan by plan

Portland, Ore. — Fall 2026. If you have a Kaiser Permanente Medicare Advantage plan in the Portland area — or you're thinking about one for next year — this is the stretch when it pays to look closely. The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027.

Portland sits in Multnomah County, which is where Medicare measures plan availability. For the 2027 plan year, CMS records show Kaiser Permanente offering three Medicare Advantage plans in the county, all HMO-POS plans, all with prescription drug coverage. None of its current plans are leaving for 2027, and it is not adding new ones. That doesn't mean nothing changes — every plan sends an Annual Notice of Change (ANOC) each fall explaining what's different for the coming year.

MyMedicarePlans.org is an independent consumer site. We are not Kaiser Permanente, and we are not Medicare. Kaiser is one of 10 carriers offering Medicare Advantage plans in Multnomah County for 2027, and together those carriers offer 45 plans.

Kaiser Permanente's 2027 plans in Multnomah County

For the 2027 plan year, Kaiser Permanente's Portland-area Medicare Advantage menu looks like this:

• Kaiser Permanente Senior Advantage Enhanced (HMO-POS) — HMO-POS, with drug coverage
• Kaiser Permanente Senior Advantage Standard (HMO-POS) — HMO-POS, with drug coverage
• Kaiser Permanente Senior Advantage Value (HMO-POS) — HMO-POS, with drug coverage

The table below lists every plan with its type and whether it includes drug coverage. All three are HMO-POS plans — Health Maintenance Organizations with a Point-of-Service option, meaning you generally use the plan's network but may have a limited ability to see some providers outside it under specific rules. For the details that matter to your wallet — premiums, deductibles, copays, and the drug formulary — look at each plan's own documents or the Medicare Plan Finder.

What's new, what's not returning

For 2027 in Multnomah County, Kaiser Permanente is:

• Not retiring any of its current Medicare Advantage plans.
• Not adding any new Medicare Advantage plans.
• Not renaming any plans.

That's steady on the surface. But "same name" is not the same as "same plan." Carriers routinely update cost-sharing, drug tiers, extra benefits, and sometimes which providers are in network. The ANOC you received (or will receive) in September or early October explains those shifts for your specific plan.

Special Needs Plans

Some people qualify for a Special Needs Plan (SNP) — a type of Medicare Advantage plan built for people with specific conditions (C-SNP), who live in an institution (I-SNP), or who have both Medicare and Medicaid (D-SNP).

For 2027, Kaiser Permanente offers zero SNPs of any type in Multnomah County. If a Special Needs Plan is what you need, other carriers in the county may offer them; you can filter by plan type on medicare.gov.

Drug coverage and the 2027 Part D changes

All three Kaiser Permanente plans in the county for 2027 include Part D prescription drug coverage. The Part D rules themselves are changing again next year — this applies to any plan with drug coverage, not just Kaiser's:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026). Once your out-of-pocket spending on covered drugs hits that amount, you pay $0 for covered drugs the rest of the year.
• The Part D maximum deductible is $700 in 2027 ($615 in 2026). Plans can set a lower deductible, but not higher.
• The Medicare Prescription Payment Plan continues — it lets you spread your drug costs over the calendar year in monthly installments instead of paying at the pharmacy counter.

The coverage gap (the old "donut hole") was eliminated in 2025, so Part D now has three phases: deductible, initial coverage, and catastrophic.

How to check a plan against your doctors and prescriptions before December 7

This is the part worth doing in writing, not from memory. Before the December 7 deadline:

1. Read your ANOC. If you're already in a Kaiser Permanente plan, this document shows exactly what is changing for 2027 — premium, copays, drug tiers, extras. 2. List your prescriptions. Write down every drug, the dose, and how often you fill it. 3. List your doctors and preferred hospitals. Include specialists and anyone you see regularly. 4. Use the Medicare Plan Finder at medicare.gov. Enter your ZIP code and your drug list. The Plan Finder shows each plan's estimated annual cost based on your drugs, your pharmacy, and the plan's cost-sharing — the only apples-to-apples comparison that uses your information. 5. Confirm the provider network. Call the plan or check its online directory to make sure your doctors are in network for 2027. Networks can change year to year. 6. Confirm your drugs are on the formulary. The formulary is the plan's drug list, and tier changes can shift what you pay.

If you'd rather talk to a person, call 1-800-MEDICARE (1-800-633-4227), available 24/7.

A few 2027 numbers that are not out yet

CMS has not yet published the 2027 Part B standard premium and deductible or the 2027 IRMAA income brackets (the higher Part B and Part D premiums paid by higher-income beneficiaries). Those are typically announced in the fall, usually November. If you see a specific number for either before CMS releases it, treat it as an estimate.