Josephine County is in Southern Oregon, from Roseburg and Medford to Klamath Falls and Lakeview, with about 88,276 residents (Census 2024 estimate). Its largest towns are Grants Pass and Cave Junction.
Fewer plans and longer drives to a hospital are common here: rural hospitals, telehealth and Medicare.
2027 plans in Josephine County at a glance
What it means if you live in Josephine County
- That's 15 plans fewer than in 2026 (20). If you have a Medicare Advantage plan, check your Annual Notice of Change to see whether it continues and what changes. Regence BlueCross BlueShield of Oregon, Wellcare and UnitedHealthcare stop selling regular Medicare Advantage plans here on December 31; at least 10,270 people in Josephine County are in one of those plans. If that's you, here is what to do. (CMS data) Aetna ends some Medicare Advantage plans here while keeping others; at least 602 people in Josephine County are in one of those plans. Your plan's letter says whether yours is ending; here is what to do. (CMS data)
- 2 are HMOs (you generally use the plan's network) and 3 are PPOs (which also pay out-of-network doctors, usually at a higher cost to you).
- 2 plans have no Part D drug coverage. Those suit people who get drug coverage elsewhere, such as from the VA; otherwise you could owe a late-enrollment penalty for going without it.
- Special needs plans here: 1 for people with both Medicare and Oregon Medicaid; 2 for people with certain chronic conditions, such as diabetes or heart failure; 2 for people who live in a nursing home or need that level of care. You can join one only if you qualify.
- Josephine County ranks 18th of Oregon's 36 counties for plans open to everyone. In the Southern Oregon region (5 counties), the count runs from 0 to 6.
- At least 16,654 people in Josephine County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Josephine County
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.
See Medicare plans in Josephine County
Enter your ZIP code to compare Medicare Advantage, Part D, and Medigap 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.
Original Medicare and Medigap
If you'd rather keep any doctor who takes Medicare, Original Medicare with a Medigap policy and a Part D plan works the same in every Oregon county. Medigap in Oregon.
Nearby counties
You can only join a Medicare Advantage plan sold in the county where you live.
| County | Plans open to everyone, 2027 | Special needs plans |
|---|---|---|
| Curry County | 0 | 1 |
| Jackson County | 5 | 6 |
| Coos County | 1 | 0 |
| Douglas County | 4 | 2 |
Insurance agency offices nearest Josephine County
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.
Advanced Benefits Insurance
About 175 miles from Josephine County
Wheelchair accessible · Free parking · In-home visits available · Video appointments available
2026 Medicare costs (the same in every county)
| Cost | 2026 |
|---|---|
| Part B premium | $202.90 a month (standard) |
| Part B deductible | $283 a year |
| Part A deductible | $1,736 per benefit period |
| Part D out-of-pocket cap | $2,100 a year |
Other places to get answers
- Medicare: 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, or Medicare.gov.
- Social Security (signing up for Parts A and B, Extra Help): 1-800-772-1213, TTY 1-800-325-0778.
- Oregon Health Plan (Oregon's Medicaid, run by the Oregon Health Authority, including help paying Medicare costs): apply at benefits.oregon.gov. The Oregon Health Plan and Medicare.
- Oregon Division of Financial Regulation (complaints about an insurance company or agent, Medigap rules, agent license lookup): dfr.oregon.gov, consumer advocates 1-888-877-4894.
- More Oregon resources, from ODHS aging and disability services to fraud reporting: Oregon resources.
Questions about Medicare in Josephine County
How many Medicare Advantage plans are there in Josephine County for 2027?
CMS lists 5 open to everyone with Medicare (20 in 2026), plus 5 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Josephine County?
Open Enrollment runs October 15 to December 7, for coverage starting January 1. If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once between January 1 and March 31. If your plan leaves your county, you get a Special Enrollment Period.
How do I find a licensed insurance agent in Josephine County?
Use the agent search on this page, pick one agent and request a call, to compare plans with a licensed insurance agent at no cost to you. Agents listed here are licensed in Oregon.
Sources
Plans open to everyone are Medicare Advantage plans with or without drug coverage, not special needs plans. Enrollment counts HMO and PPO plans; CMS hides counts of 10 or fewer, so real numbers are a little higher.