Lincoln County is in the Oregon Coast, from Astoria to Brookings, with about 51,212 residents (Census 2024 estimate). Its largest towns are Newport, Lincoln City and Toledo.
Siletz is home to the Confederated Tribes of Siletz Indians, so many people here weigh tribal health care alongside Medicare.
Fewer plans and longer drives to a hospital are common here: rural hospitals, telehealth and Medicare.
2027 plans in Lincoln County at a glance
What it means if you live in Lincoln County
- That's 1 plan more than in 2026 (3), so it's worth comparing even if you like your plan.
- All of them are HMOs: apart from emergencies and urgent care, you generally use the plan's doctors and hospitals. If you see doctors in another county or state, ask whether they're in the network before you choose.
- 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. You can join one only if you qualify.
- Lincoln County ranks 25th of Oregon's 36 counties for plans open to everyone. In the Oregon Coast region (5 counties), the count runs from 0 to 5.
- At least 5,530 people in Lincoln County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Lincoln 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 Lincoln 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 |
|---|---|---|
| Benton County | 16 | 9 |
| Polk County | 19 | 7 |
| Yamhill County | 27 | 9 |
| Tillamook County | 5 | 2 |
Insurance agency offices nearest Lincoln 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
In Lincoln 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 Lincoln County
How many Medicare Advantage plans are there in Lincoln County for 2027?
CMS lists 4 open to everyone with Medicare (3 in 2026), plus 3 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Lincoln 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 Lincoln 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.