24 days left in Annual Enrollment (ends Dec. 7)
Medicare in Oregon, explained clearly
Medicare works the same nationwide, but your choices in Oregon depend on your county: for 2027, CMS lists no Medicare Advantage plan open to everyone in six counties, and six companies stop selling plans in some counties. Plain-English, sourced guides on the Oregon Health Plan, Medigap, PEBB and OEBB, and tribal health.
Pick your Medicare Advantage company and county to see if your plan ends December 31.
Enter your ZIP code to see the Medicare plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Find an independent licensed insurance agent near you. No cost to you.
These independent licensed insurance agents work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
Or you can request a call from a licensed insurance agent.
If the agent shown enrolls you in a plan, the insurance company may pay the agent and Benefits Life, the publisher of this site. Learn more.
Mark Sims Licensed in Oregon
Berenice Suarez Licensed in Oregon
Colin Lewis Licensed in Oregon
Austin Torres Licensed in Oregon
Wendi Schoonover Licensed in Oregon
Mike Fortunato Licensed in Oregon
Licensed insurance agents for Oregon
These independent insurance agents are licensed in Oregon and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
Start with where you are
Plain-English guides for the moments when Medicare decisions come up.
Turning 65 in Oregon
A month-by-month checklist: Social Security, Parts A and B, the Medigap window, PEBB or OEBB, IHS, OHP help.
Read the guideMoving to Oregon
What moves with you, what doesn't, and the deadline to pick a plan where you now live.
Read the guideOpen Enrollment for 2027
October 15 to December 7: what to check in your plan's letter and what's changing in Oregon.
Read the guideMedicare Advantage or Medigap?
How the two paths compare in Oregon: networks, counties with no Advantage plan, travel, costs and Oregon's Medigap rules.
Read the guideFind the right Medicare plan
Tools and licensed insurance agents in Oregon to help you compare coverage and costs.
Talk to an agent
Guidance from a licensed insurance agent in Oregon, at no cost to you.
Find an agentCompare plans
Compare Medicare Advantage, Medigap and Part D plans sold in your ZIP code.
Compare now2026 costs
Premiums, deductibles and out-of-pocket limits for the year.
See costsEnrollment dates
Know when to enroll: your Initial Enrollment Period, Open Enrollment and special enrollment periods.
View datesThe four parts of Medicare
Each part covers different services. Here's how each works for Oregonians.
Part A: Hospital insurance
Covers inpatient hospital stays, skilled nursing, hospice and some home health care.
Part B: Medical insurance
Covers doctor visits, outpatient care, preventive services and medical equipment.
Part C: Medicare Advantage
Private plans that bundle Parts A, B and usually D. Some also offer extra benefits, such as dental or vision.
Part D: Prescription drugs
Covers prescription drugs through private plans. Out-of-pocket costs are capped at $2,100 in 2026.
What's different about Medicare in Oregon
The Oregon Health Plan, PEBB and OEBB, tribal health care, Death with Dignity, wildfire season: the parts of Medicare that work differently here.
Oregon Health Plan and Medicare
How OHP, coordinated care organizations and the Medicare Savings Programs work with Medicare if you qualify for both.
Plans differ by county
For 2027, CMS lists 32 Medicare Advantage plans open to everyone in Clackamas County and none in 6 counties, mostly in Eastern Oregon.
Medigap in Oregon
When you can buy or switch a Medigap policy in Oregon, including the yearly birthday window, and the under-65 rules.
PEBB and OEBB retirees
State and school retirees: what happens to PEBB or OEBB coverage at 65, and how PERS retiree health plans fit in.
End of life, POLST and Death with Dignity
What Medicare hospice covers, how Oregon's POLST registry works, and how the Death with Dignity Act relates to Medicare.
Tribal health, IHS and Medicare
Oregon's nine federally recognized tribes, their clinics, and why Medicare still matters if you get care through IHS.
Wildfires and Medicare
Prescriptions, oxygen and your plan during an evacuation, and the special enrollment period after a declared disaster.
Not sure where to start?
A licensed insurance agent in Oregon can review your situation, compare plans from the companies they work with in your county and help you enroll, at no cost to you.
Find an Oregon agentAgents are paid by insurance companies, not by you. If an agent enrolls you in a plan, the agent and Benefits Life, the publisher of this site, may be paid by the insurance company.
Medicare by county in Oregon
Find agents, offices and the 2027 plans sold where you live. Plan counts are Medicare Advantage plans open to everyone, from CMS.
Multnomah County
Washington County
Clackamas County
Marion County
Lane County
Jackson County
Deschutes County
Umatilla County
Visit an insurance agency office in Oregon
These offices are independently owned by licensed insurance agents and agencies that work with Benefits Life, the publisher of this site. They are not Benefits Life offices. When they enroll you in a plan, the agency and Benefits Life may be paid by the insurance company. If you already have an agent, contact your agent for help with your plan. Learn more.
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What does Medicare cost?
Key numbers every Oregon beneficiary should know.
Frequently asked questions about Medicare in Oregon
What is Medicare?
Medicare is the federal health insurance program for people 65 and older, some younger people with disabilities, and people with End-Stage Renal Disease.
When can I enroll in Medicare in Oregon?
Your Initial Enrollment Period begins 3 months before the month you turn 65 and ends 3 months after it. Open Enrollment runs October 15 through December 7 each year. The Medicare Advantage Open Enrollment Period runs January 1 through March 31.
Are the same Medicare Advantage plans sold everywhere in Oregon?
No. Plans are sold county by county: the Portland and Willamette Valley counties have the most to choose from, and for 2027 CMS lists no Medicare Advantage plan open to everyone in Curry County or in Grant, Harney, Lake, Umatilla and Union counties. Original Medicare, Medigap and standalone Part D plans are available in every county. See your county's page for its CMS plan counts.
Does Oregon have a Medigap birthday rule?
Yes. Under OAR 836-052-0143, if you already have a Medicare Supplement (Medigap) policy you can switch to a policy with the same or lesser benefits, from any company, without health questions, from 30 days before to 30 days after your birthday each year. See Medigap in Oregon for the details.
What is the Part B premium in 2026?
The standard Part B premium for 2026 is $202.90 a month. People with higher incomes pay more through IRMAA.
How do I find a licensed insurance agent in Oregon?
Use the agent search at the top of this page, pick one agent and request a call. Agents listed here are licensed in Oregon and can compare plans from the companies they work with, at no cost to you.