Medicare in Oregon

Medicare enrollment in Oregon

As of February 2026, Medicare enrollment in Oregon stood at 966,197 people.¹

Most people become eligible for Medicare when they turn 65. But younger individuals gain Medicare eligibility after they have been receiving disability benefits for 24 months, or if they have  end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS). Across the United States, about 9% of all Medicare beneficiaries are under the age of 65;² in Oregon, about 8% of Medicare beneficiaries are under 65 and eligible due to disability rather than age.¹

• Read about Medicare’s open enrollment period and other important enrollment deadlines.
• Learn how Oregon’s Medicaid program can provide assistance to Medicare beneficiaries with limited income and assets.

Medicare Advantage plan availability and enrollment in Oregon

Nearly 523,000 of Oregon’s Medicare beneficiaries had Medicare Advantage plans as of February 2026.¹

There are seven counties in Oregon where there are no individual Medicare Advantage plans available in 2026.³ But 96.82% of people with Medicare have access to a Medicare Advantage plan in OR.⁴ The average Medicare beneficiary in Oregon can choose from among 26 Medicare Advantage plans in 2026.³

Learn more about Medicare Advantage, Medicare’s annual open enrollment period, and the Medicare Advantage open enrollment period.

Sources: Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings, KFF.org, Dec. 9, 2025; Fact Sheet: Medicare Open Enrollment for 2026, Centers for Medicare & Medicaid Services. Sep. 26, 2025

Medicare supplement (Medigap) plan availability in Oregon

Medigap plans are subject to various federal rules, but states also have a lot of say in how the plans operate. Oregon, like several other states, has a “birthday rule” to ensure that Medigap enrollees aren’t stuck with their plan forever, regardless of their health status.⁵ And the state also guarantees access to Medigap plans for Medicare beneficiaries under age 65.⁶

Learn how Medigap plans are regulated and what they cover.

Both of these provisions go beyond what’s required at the federal level. Under federal rules, Medigap plans only have to be guaranteed-issue during a six-month window that starts when a person is at least 65 and enrolled in both Medicare Part A and Part B. There is no federal annual plan change window for Medigap, and federal rules do not require Medigap insurers to offer policies to disabled Medicare beneficiaries who are under age 65.

To address this, Oregon implemented a “birthday rule” in 2013 that allows Medigap enrollees an annual opportunity to change to a plan with equal or lesser benefits during the 30 days following their birthday. The new plan is guaranteed-issue during that window.⁵

Oregon also allows Medicare beneficiaries under age 65 a six-month window (after enrolling in Medicare Part B) during which they have a guaranteed-issue right to a Medigap plan. Eligible enrollees can select a Medigap plan with no medical underwriting during a six-month window after they enroll in Medicare Part B, and the premium cannot exceed the premiums that are charged to enrollees who are 65.⁷

In 2026, there are 17 insurers that offer Medigap plans in Oregon.⁸

According to an AHIP analysis, 185,009 Medicare beneficiaries in Oregon had Medigap coverage as of late 2023.⁹

Learn how Medigap plans are regulated and standardized.

Medicare Part D plan availability and enrollment in Oregon

As of February 2026, there were 300,515 Oregon Medicare beneficiaries enrolled in stand-alone Medicare Part D plans.¹ Another 498,276 beneficiaries had Medicare Part D coverage integrated with their Medicare Advantage plans.¹

For 2026 coverage, there are 10 stand-alone Medicare Part D plans available in Oregon, with premiums starting at $0/month.[efn_note]“Fact Sheet: Medicare Open Enrollment for 2026” Centers for Medicare & Medicaid Services. Sep. 26, 2025/efn_note]

Learn how Medicare Part D prescription drug coverage works, what it pays for, how and when to enroll.

Source: Fact Sheet: Medicare Open Enrollment for 2026, Centers for Medicare & Medicaid Services. Sep. 26, 2025

Resources for Medicare beneficiaries in Oregon

Have questions about Medicare enrollment or Medicare eligibility in Oregon?

• Senior Health Insurance Benefits Assistance (SHIBA) can provide help with a wide range of issues related to Medicare in Oregon. SHIBA also maintains a page of FAQs about Medicare that include provisions specific to Oregon, such as the Medigap protections. The phone number is 1-800-722-4134.
• The Medicare Rights Center is also an excellent resource for Medicare-related questions. The national helpline number is 1-800-333-4114.