Medicare Advantage Plans in Oregon 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Oregon has roughly 45 percent Medicare Advantage penetration. The Portland metro and the Willamette Valley corridor through Salem, Corvallis, and Eugene have strong markets. Kaiser Permanente Northwest is a dominant carrier in western Oregon. Eastern Oregon is rural and has limited plan options.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Oregon.
Rural Coverage Note
Parts of Oregon have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Oregon Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Oregon
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Oregon
Oregon's Medigap market is well-established in the Portland area, where multiple carriers compete. Residents in eastern Oregon and along the coast often prefer Medigap because Advantage networks are thin in those regions.