Medicare Supplement

Medigap in Eugene for 2027: how to read plan letters, rate filings and the Part B reset

EUGENE, Ore. — As 2026 winds down and 2027 planning ramps up, Medicare Supplement (Medigap) shoppers in Eugene are watching three moving parts at once: which standardized plan letters they can buy, how insurers reprice policies each year, and the yearly reset of the Part B deductible that Plans G and N are built around.

None of that means a scramble. But it does mean the Medigap policy you looked at last spring may not have the same premium — or, in some cases, the same insurer lineup — by the time you sit down to compare in 2027.

What is actually changing for 2027

Medigap itself is federally standardized, so a Plan G from one insurer covers the same core benefits as a Plan G from another. What changes year to year in Oregon is mostly this:

• The Part B deductible amount resets on January 1. Plans G and N are designed to pay only after you meet it, so the number matters even if your plan letter does not change.
• Insurers file new premiums with the Oregon Division of Financial Regulation. Those filings are public, and rate season is when most policyholders see a new premium letter in the mail.
• The roster of insurers selling in Oregon can shift as companies enter, exit, or change which plan letters they offer.

None of those items is unique to Eugene — they apply statewide — but they land in your mailbox as a Lane County resident all the same.

Plan-letter eligibility: who can buy what

If you became eligible for Medicare on or after January 1, 2020, you cannot buy a new Plan C or Plan F. Those two plans still exist for people who were eligible before that date, and existing policyholders can keep them.

For everyone else newly shopping in 2027, the available standardized letters are A, B, D, G, G-HD, K, L, M and N. Plan G and Plan N are the two most commonly discussed among newly eligible shoppers, and both are built on top of the Part B deductible — meaning you pay that deductible first each year, and the plan picks up covered costs after that.

The Part B deductible reset — why it matters for G and N

Every January, the Part B deductible resets to a new annual amount set by CMS. If you have Plan G, you pay that deductible out of pocket before the plan starts covering the Part B coinsurance. Plan N works similarly, with some office-visit and emergency-room copays layered on top.

The 2027 figure is set by CMS and published at medicare.gov. When it changes, your Medigap plan's "you pay first" amount changes with it — the plan letter and its rules do not.

Rate-adjustment season in Oregon

Medigap insurers file proposed rate changes with the Oregon Division of Financial Regulation. Once approved, those rates flow through to renewal notices. A few things worth knowing:

• Rate changes are filed and reviewed at the state level, not by Medicare.
• A rate change on your policy does not change your benefits — the plan letter still covers what it always covered.
• You can look up current and past filings on the state's rate review site (rates.oregon.gov) before you decide whether to keep, switch, or shop your policy.

Because Medigap is not tied to the Annual Enrollment Period, you can apply for a new policy at any time of year — but outside your one-time Medigap Open Enrollment window (the six months starting when you're 65 and enrolled in Part B), insurers in Oregon can generally use medical underwriting.

Insurers selling Medigap in Oregon

The table below lists every insurer offering Medigap in Oregon and the plan letters each one sells. Names to know include AARP - UnitedHealthcare Insurance Company, AFLAC, Bankers Life, Continental Life Insurance Company of Brentwood, Tennessee (Aetna), Everence Association Inc., GPM Health and Life Insurance Company, Humana (Humana Insurance Company), Medco Containment Life Insurance Company, Moda Health Plan, Inc., Mutual of Omaha (United World Life Insurance Company), Providence Health Assurance, Regence Blue Cross BlueShield of Oregon, State Farm Mutual Automobile Insurance Company, United American Insurance Company, USAA Life Insurance Company, and WoodmenLife.

Not every insurer sells every plan letter. If you know you want Plan G-HD, Plan D or Plan M, the plan-letter columns in the table are the fastest way to narrow the list.

How to decide in Eugene for 2027

A practical order of operations:

1. Confirm which plan letters you're eligible for based on your Medicare eligibility date. 2. Decide which benefit design fits — Plan G (broader after the deductible), Plan N (lower premium with some copays), a high-deductible option, or one of the cost-sharing plans (K, L, M). 3. Compare current filed premiums from multiple insurers for the same plan letter. Because the benefits are standardized, the letter tells you what's covered; the insurer and price tell you what you'll pay. 4. Check whether you're inside a guaranteed-issue or open-enrollment window before you apply. 5. Call Oregon SHIBA (the state's SHIP, at 1-800-722-4134) for free, unbiased help — especially if you're weighing a switch from Medicare Advantage back to Original Medicare plus Medigap.