Oregon counties with limited or no Medicare Advantage, 2027
| County | Plans open to everyone | Special needs plans | People with Medicare (July 2026) |
|---|---|---|---|
| Grant | 0 | 0 | 2,390 |
| Harney | 0 | 0 | 2,208 |
| Lake | 0 | 0 | 2,427 |
| Umatilla | 0 | 0 | 16,140 |
| Union | 0 | 0 | 6,919 |
| Curry | 0 | 1 | 9,968 |
| Coos | 1 | 0 | 21,983 |
Sources: CMS CY2027 Landscape file (plans) and CMS Medicare Monthly Enrollment (people). A special needs plan is open only to people who qualify, such as those with both Medicare and the Oregon Health Plan.
Why some counties have none
Medicare Advantage companies choose which counties to serve and must build a network of doctors and hospitals there that meets CMS's access standards. In counties with few people and long distances between providers, companies may decide not to offer plans. Several other Oregon counties have only a few: 3 in Deschutes, 3 in Jefferson and 4 in Douglas for 2027. See plan counts by county.
Your options where there's no plan
- Keep Original Medicare. Parts A and B work with any doctor or hospital in the U.S. that accepts Medicare, including Oregon's rural and critical access hospitals.
- Add a Part D plan. 8 standalone plans from 4 companies are offered statewide for 2027.
- Consider a Medigap policy. It helps pay the costs Original Medicare leaves, such as the 20% Part B coinsurance. Your best time to buy is your 6-month Medigap open enrollment. See Medigap in Oregon.
- Check for help with costs. Oregon's Medicare Savings Programs have no asset limit.
If your Medicare Advantage plan ends because it leaves your county, you get a Special Enrollment Period and a guaranteed right to buy certain Medigap policies for 63 days after the plan ends. See plans ending in 2027 and rural Oregon and Medicare. To review your choices, you can request a call from a licensed insurance agent.
Related questions
How many Medicare Advantage plans are in Oregon for 2027?
County by county.
Can I keep my doctor with Medicare Advantage?
Networks explained.
Can I use my plan outside Oregon?
Service areas and travel.
Sources
- CMS — Medicare Advantage/Part D contract and enrollment data (CY2026 and CY2027 Landscape)
- CMS — Medicare Monthly Enrollment
- Medicare.gov — Plan Finder
- OAR 836-052-0142 — Medigap guaranteed issue for eligible persons (Oregon)
More questions in this guide
- Can I keep my doctor with Medicare Advantage in Oregon?
- Can I use my Medicare Advantage plan outside Oregon?
- How many Medicare Advantage plans are available in Oregon for 2027?
Part of the guide: Medicare Part C in Oregon — Medicare Advantage · All questions
Frequently asked questions
I live in Umatilla County. How can I get drug coverage?
Join a standalone Part D plan. All 8 Oregon Part D plans for 2027 are offered statewide, including in counties without Medicare Advantage.
Some people in these counties have Medicare Advantage. How?
Mostly through employer or union retiree plans, which aren't open to the public. CMS enrollment data counts them with Medicare Advantage and other health plans.
What if I move from one of these counties to a county with plans?
Moving to a new county with new plan options gives you a Special Enrollment Period to join a Medicare Advantage plan there, lasting 2 full months after you move.
Medicare in your Oregon county
Plans, local agents and help, county by county: Multnomah · Washington · Clackamas · Lane · Marion · Jackson · Deschutes · Linn · Douglas · Yamhill · Benton · Polk · Josephine · Umatilla · Klamath · Coos · Columbia · Lincoln · Clatsop · Malheur · All 36 counties →
