Medicare in Oregon serves about 930,000 beneficiaries, with 48% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $155/mo. Stand-alone Part D plans average $44/mo.
Medicare Beneficiaries
930,000
Age 65+ and disabled
MA Enrollment
48%
% on Medicare Advantage
Avg Medigap Plan G
$155/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 40+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | Kaiser Permanente Northwest, UnitedHealthcare, Regence BlueCross BlueShield Oregon | Networks differ by county |
| Stand-alone Part D | $44/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | Yes — state protection applies | Oregon Birthday Rule: Medigap holders have a 60-day window starting on their birthday each year to switch plans without medical underwriting. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Oregon is one of a handful of states with a birthday rule for Medigap, giving policyholders a 60-day switching window each year starting on their birthday without medical underwriting. This annual right allows Oregon beneficiaries to comparison-shop Medigap premiums each year and move to a lower-cost equivalent plan. Kaiser Permanente Northwest is the dominant integrated MA carrier in the Portland metro area, operating a closed-panel HMO with high quality ratings and a loyal membership. Regence BlueCross BlueShield Oregon and UnitedHealthcare compete strongly for PPO and non-Kaiser MA enrollment. Oregon Health & Science University (OHSU), Providence Health & Services, and Legacy Health are the major hospital anchors.
Oregon's significant rural geography — the high desert east of the Cascades, the coast range, and the remote Rogue Valley — creates real network adequacy challenges for Medicare Advantage outside the Portland–Salem–Eugene corridor. Beneficiaries in communities like Burns, John Day, Klamath Falls, and Astoria often find Original Medicare with Medigap far more practical. Medigap Plan G averages about $155/month in Oregon. The birthday rule makes Oregon Medigap particularly flexible: beneficiaries can switch annually to take advantage of competitive pricing from Regence, Mutual of Omaha, and national carriers. Oregon's SHIBA (Senior Health Insurance Benefits Assistance) program provides free Medicare counseling.
In Oregon, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 48% of Oregon beneficiaries currently choose MA.
Oregon Birthday Rule: Medigap holders have a 60-day window starting on their birthday each year to switch plans without medical underwriting.
💡 Oregon Pro Tip
Oregon beneficiaries in the Portland metro (Multnomah, Washington, Clackamas counties) typically have access to 40 or more Medicare Advantage plans. The Salem, Eugene, and Medford areas generally offer 20 to 30 options. Eastern Oregon and the south coast have the most limited selections, often 10 to 15 plans.
The average Medigap Plan G premium for a 65-year-old in Oregon is approximately $155 per month. Oregon's birthday rule makes Medigap especially attractive because you can shop for better rates annually — carriers like Kaiser, Regence, Mutual of Omaha, and Cigna all compete for Oregon Medigap enrollment.
Yes — Oregon's Birthday Rule gives every Medigap policyholder a 60-day window starting on their birthday each year to switch to a plan with equal or lesser benefits from any carrier without answering health questions. This annual switching right is available for the life of the policy, allowing Oregon beneficiaries to regularly seek more competitive premiums.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Oregon. Verify current plan costs at medicare.gov before enrolling.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed May 2026
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