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HomeMedicare SupplementOregonMedigap in Oregon for 2027: 16 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Oregon for 2027: 16 Insurers and the Plans They Sell

PORTLAND, Ore. — Oregonians who want the predictable cost structure of Original Medicare plus a supplement have a familiar menu heading into 2027. Medicare.gov's Medigap policy search lists 16 insurers for ZIP code 97201, offering a mix of the federally standardized plan letters. The Annual Enrollment Period for 2027 Medicare coverage runs October 15 through December 7, 2026, with any choices taking effect January 1, 2027.

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Key takeaways

  • Medicare.gov's Medigap policy search lists 16 insurers for ZIP code 97201 in Oregon, selling some combination of Plans A, B, C, D, F, F-HD, G, G-HD, K, L and N.
  • Your strongest window to buy Medigap is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
  • In Oregon, 31 Medicare Advantage plans offered in 2026 are not being offered anywhere in the state in 2027, and members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026.
Happy senior couple at home — illustrating this Medicare guideMedicare SupplementOregon
Photo: T Leish Photo by T Leish on Pexels
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Oregon
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap in Oregon and how is it different from Medicare Advantage?

Medigap is private insurance that works alongside Original Medicare, helping pay some of the out-of-pocket costs — like coinsurance and copayments — that Part A and Part B leave to you. Medicare Advantage, by contrast, replaces the way you get your Part A and Part B benefits through a private plan, often with its own network and extra features.

You cannot be enrolled in a Medicare Advantage plan and a Medigap policy at the same time. With Medigap plus Original Medicare, you generally use any provider that accepts Medicare nationwide. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

Which insurers sell Medigap in Oregon for 2027, and which plan letters do they offer?

For ZIP code 97201, Medicare.gov's Medigap policy search lists 16 insurers. What is actually available can differ by ZIP code and by age, sex and tobacco use, so your own search may look different.

The insurers and the standardized plan letters listed for them:

Across those 16 insurers, the plan letters sold by at least one company are A, B, C, D, F, F-HD, G, G-HD, K, L and N.

What is the six-month Medigap Open Enrollment Period and why does it matter in Oregon?

The Medigap Open Enrollment Period is a one-time six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During that window, an insurer must sell you any Medigap policy it offers at its best available rate for your situation, cannot turn you down for health reasons, and cannot make you wait for coverage of a pre-existing condition longer than federal rules allow.

Outside that window, insurers in most situations can use medical underwriting — meaning they can ask health questions, charge more, or decline to issue a policy — unless you have a guaranteed-issue right. That is why the six-month window is often the simplest time to buy.

What happens in Oregon if my Medicare Advantage plan is not returning in 2027?

According to CMS Landscape files, 31 Medicare Advantage plans offered in Oregon in 2026 are not being offered anywhere in the state in 2027. If you are in one of those plans, you get a federal guaranteed-issue right to buy certain Medigap policies, which means an insurer must sell you specific plans without medical underwriting during a limited window.

If you received a non-renewal notice from your plan, hold onto it. Medicare.gov explains which Medigap plans qualify under a guaranteed-issue right and the time limits to use it, and you can confirm your specific situation by calling 1-800-MEDICARE.

Does Medigap in Oregon cover prescriptions, or do I need a separate Part D plan?

Medigap sold today does not include prescription drug coverage, so Oregonians who want help paying for medications generally enroll in a stand-alone Medicare Part D plan. Part D is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage that starts January 1, 2027.

A few national Part D rules are set for 2027: the out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums are set plan by plan and can be compared at medicare.gov.

How do I compare Medigap policies in Oregon?

Start with the standardized plan letter, because every insurer selling, for example, Plan G must offer the same federally defined benefits under that letter. That makes it reasonable to compare the same letter across insurers on price, customer service and billing practices.

From there, the Medicare Plan Finder and Medigap policy search at medicare.gov will show the insurers and plan letters available for your ZIP code. The plan's or insurer's own documents, or a call to 1-800-MEDICARE, can confirm current rates and underwriting rules for your age, sex and tobacco use.

Where can Oregonians get free help with Medigap and Medicare questions?

The two no-cost, nationwide resources are Medicare.gov and 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. Both can walk you through Medigap rules, plan letters, enrollment windows and guaranteed-issue rights without steering you toward any particular insurer.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which many readers will see reflected in their January deposits.

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.

$0$50$100$150$200200820122016202020242026

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.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

How many insurers sell Medigap in Oregon for 2027?
Medicare.gov's Medigap policy search lists 16 insurers for ZIP code 97201. What is available can vary by ZIP code and by age, sex and tobacco use, so running a search for your own ZIP code is the most accurate way to see your options.
Which Medigap plan letters are sold in Oregon?
Across the 16 insurers listed for ZIP code 97201, the plan letters sold by at least one insurer are A, B, C, D, F, F-HD, G, G-HD, K, L and N. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.
Do I get a guaranteed-issue right if my Medicare Advantage plan leaves Oregon for 2027?
Yes. CMS Landscape files show 31 Medicare Advantage plans offered in Oregon in 2026 are not being offered anywhere in the state in 2027, and members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap plans within a limited window. Medicare.gov and 1-800-MEDICARE can confirm which plans qualify and the deadlines.
Does Medigap in Oregon include prescription drug coverage?
No. Medigap sold today does not include drug coverage, so you would enroll in a stand-alone Medicare Part D plan separately, including during Annual Enrollment from October 15 to December 7, 2026, for coverage starting January 1, 2027. For personalized help, visit medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week.
Sources & further reading
  • 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

Figures cited in this article

  • Medicare.gov — Medigap policy search: the 16 insurers listed for ZIP code 97201 and the plan letters each offers.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period, guaranteed-issue rights, and that Plans C and F are closed to those newly eligible on or after January 1, 2020.
  • CMS Landscape Source File: the count of 31 Medicare Advantage plans offered in Oregon in 2026 and not offered anywhere in the state in 2027.
  • Medicare.gov — Medicare enrollment periods: Annual Enrollment October 15 – December 7, 2026, effective January 1, 2027, and the 2027 Part D figures ($2,400 out-of-pocket cap, $700 maximum deductible, $41.33 base beneficiary premium).
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA for 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.

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