Best Medicare Advantage Plans in Oregon (2027)

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Updated: November 5, 2026

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Best Medicare Advantage Companies in Oregon

Kaiser Permanente provides the best Medicare Advantage plans in Oregon, and Humana is the best choice outside Kaiser’s area. Kaiser’s worst-case cost, its median max annual cost exposure, is $1,277 below Humana’s. The figure adds a year of premiums to the out-of-pocket limit, the most a plan charges you for covered in-network medical care.

Higher quality doesn’t cost more in Oregon. Kaiser, Humana and UnitedHealthcare hold median ratings of 4 stars or higher from CMS, the federal agency that rates Medicare plans on a 5-star scale, and all three rank among the four lowest on worst-case cost. Start with Kaiser if you live in one of its 10 counties.

Kaiser Permanente
4.4
$5,723
4.5
10
4
Humana
4.2
$7,000
4
13
9
UnitedHealthcare
4.1
$7,150
4
11
5
Regence BlueCross BlueShield of Oregon
4.1
$7,616
3.5
8
5
Devoted Health
4
$7,400
3
19
12
ATRIO Health Plans
3.8
$7,150
2.5
11
12
PacificSource Medicare
3.8
$8,317
3
8
4
Wellcare
3.8
$8,164
3
11
7

Oregon Medicare Advantage Market Overview

Oregon has 61 Medicare Advantage plans, but the median county has six, so most enrollees choose from a short list. These private plans replace Original Medicare, the federal Part A hospital and Part B medical coverage. A Medicare Supplement policy keeps Original Medicare and helps pay its copays, co-insurance and deductibles.

Nine insurance companies sell Medicare Advantage in Oregon. We scored all nine and review the eight that cleared our rating threshold, which we call rated carriers, so Aetna Medicare isn’t reviewed below. In 11 of Oregon’s 36 counties, one company sells every plan. Check which companies serve your ZIP code before comparing ratings.

Medicare Advantage plans (excluding Special Needs Plans)

61

Oregon has 61 Medicare Advantage plans for 2027, not counting Special Needs Plans, which serve people with certain chronic conditions or Medicaid. Plans vary by county, so check availability at your address.

Carriers
9

Nine carriers sell Medicare Advantage in Oregon, but most counties have fewer. In 11 counties, one carrier sells every plan, so check which carriers serve your ZIP code first.

CMS contracts
17

A CMS contract is the agreement a carrier sells its plans under, and CMS assigns star ratings per contract. Plans under one contract share a rating but can differ in benefits.

Median plans per county
6

Oregon’s median county has six Medicare Advantage plans. Compare them by premium, out-of-pocket limit and contract star rating.

Plans with $0 premium
67%

67% of Oregon Medicare Advantage plans charge no monthly premium. The other 33% charge one, so check the premium before you commit.

Median out-of-pocket limit

$7,150

Half of Oregon plans cap yearly in-network costs for covered Medicare services at $7,150 or less.

Out-of-pocket limit range

$4,000–$9,850

Oregon plans set yearly limits from $4,000 to $9,850, so your choice of plan can change your worst-case costs by $5,850.

Average star rating
3.30

Oregon plans average 3.30 out of 5 stars, which is 0.70 short of a 4-star rating. Check your plan’s contract rating before deciding.

Contracts rated 4+ stars
41%

Seven of Oregon’s 17 contracts hold 4 stars or higher, and 10 fall below that level. Look up your plan’s contract before you sign up.

Kaiser Permanente

Kaiser Permanente

MoneyGeek Rating
4.4/ 5
4.7/5Affordability
4.5/5Quality & Member Experience
3.7/5Benefits & Access

  • Median Max Annual Cost Exposure

    $5,723

  • Median CMS Star Rating

    4.5

  • Counties Served

    10

  • Plans Available

    4
Humana

Humana

MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.1/5Quality & Member Experience
4.3/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,000

  • Median CMS Star Rating

    4

  • Counties Served

    13

  • Plans Available

    9
UnitedHealthcare

UnitedHealthcare

MoneyGeek Rating
4.1/ 5
4/5Affordability
4/5Quality & Member Experience
4.3/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,150

  • Median CMS Star Rating

    4

  • Counties Served

    11

  • Plans Available

    5
Regence BlueCross of Oregon

Regence BlueCross of Oregon

MoneyGeek Rating
4.1/ 5
4.3/5Affordability
3.8/5Quality & Member Experience
4.1/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,616

  • Median CMS Star Rating

    3.5

  • Counties Served

    8

  • Plans Available

    5
Devoted Health

Devoted Health

MoneyGeek Rating
4/ 5
4.2/5Affordability
3.5/5Quality & Member Experience
4.7/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,400

  • Median CMS Star Rating

    3

  • Counties Served

    19

  • Plans Available

    12
ATRIO Health Plans

ATRIO Health Plans

MoneyGeek Rating
3.8/ 5
4.4/5Affordability
3.2/5Quality & Member Experience
4/5Benefits & Access

  • Median Max Annual Cost Exposure

    $7,150

  • Median CMS Star Rating

    2.5

  • Counties Served

    11

  • Plans Available

    12
PacificSource Medicare

PacificSource Medicare

MoneyGeek Rating
3.8/ 5
4/5Affordability
3.5/5Quality & Member Experience
4/5Benefits & Access

  • Median Max Annual Cost Exposure

    $8,317

  • Median CMS Star Rating

    3

  • Counties Served

    8

  • Plans Available

    4
WellCare

WellCare

MoneyGeek Rating
3.8/ 5
4.1/5Affordability
3.3/5Quality & Member Experience
4.1/5Benefits & Access

  • Median Max Annual Cost Exposure

    $8,164

  • Median CMS Star Rating

    3

  • Counties Served

    11

  • Plans Available

    7

How to Choose the Best Medicare Advantage Plan in Oregon

The best Medicare Advantage plan for you depends on your health care needs, budget, prescriptions and preferred level of provider flexibility.

  1. 1
    Confirm Your Doctors and Hospitals Are In-Network

    Provider networks vary by plan, even among plans from the same insurer. Confirm that your primary care doctor, specialists and preferred hospitals accept the specific plan before enrolling.

  2. 2
    Compare Total Costs Beyond the Premium

    A $0 premium doesn’t mean $0 health care costs. Oregon plans set yearly out-of-pocket limits from $4,000 to $9,850 for 2027. Compare deductibles, out-of-pocket limits, copays, co-insurance and prescription costs alongside the monthly premium to estimate what you’d spend in a year.

  3. 3
    Check Prescription Drug Coverage

    Review each plan's drug formulary to make sure your medications are covered. Pay attention to drug tiers, copays, pharmacy networks and requirements such as prior authorization.

  4. 4
    Choose the Right Plan Type

    HMOs cover out-of-network care only in limited cases, such as emergencies, while HMO-POS plans allow some out-of-network care. PPOs provide the most provider flexibility, and in Oregon their median premium and out-of-pocket limit are no higher than HMOs’. Compare plan types based on how and where you get care.

  5. 5
    Review CMS Star Ratings

    Medicare rates plans from 1 to 5 stars, measuring preventive care, chronic condition management, member experience and customer service. Higher ratings can help you identify plans with stronger overall performance.

  6. 6
    Compare Extra Benefits

    Supplemental benefits can vary widely between plans. Check for dental, vision, hearing, fitness and over-the-counter benefits, and compare each plan’s annual allowances and coverage limits for them.

How Much Does Medicare Advantage Cost in Oregon?

Most Oregon Medicare Advantage plans charge no monthly premium for 2027, so copays and the out-of-pocket limit decide what you’ll spend. HMO-POS plans are the only plan type with a median premium above $0.

Out-of-network flexibility costs nothing extra in Oregon. A PPO lets you see doctors outside its network, yet the median Oregon PPO has a lower out-of-pocket limit and a lower daily hospital copay than the median HMO. The median primary care copay is $15 for every plan type, so compare hospital copays and limits instead.

Median Monthly Premium
$0
$22
$0
Median Max Out-of-Pocket
$7,150
$6,950
$7,000
Median Inpatient Copay
$490
$480
$460
Median PCP Copay
$15
$15
$15
Median Specialist Copay
$40
$38
$40

*Medians across all 61 Oregon Medicare Advantage plans, excluding Special Needs Plans, grouped by plan type and rounded to the nearest dollar. Source: CMS 2027 data, MoneyGeek analysis.

Oregon Medicare Advantage Resources

Oregon residents have several state and federal resources to help compare plans, understand coverage options and get personalized guidance at no cost.

Compare Medicare Advantage Rates

Get the best insurance rate. Compare quotes from top insurance companies.

Frequently Asked Questions

Our Methodology

Oregon’s 2027 Medicare Advantage ratings from MoneyGeek cover 61 plans from nine carriers and 17 CMS contracts, sold across 30 of Oregon’s 36 counties. The analysis draws on five CMS datasets: the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.   

All ratings exclude Special Needs Plans, which serve people with certain chronic conditions or Medicaid. A carrier must sell plans in at least three Oregon counties to be scored, and all nine carriers meet that minimum.

Aetna Medicare scored across all three categories but came in below 3.8. It is excluded from the provider reviews above.

How We Score Carriers

Each of the nine Oregon carriers gets a MoneyGeek score out of five. Scores come from the median across each carrier’s Oregon Medicare Advantage plans, excluding Special Needs Plans, with CMS Star Ratings and CAHPS calculated as plan-weighted medians. Three categories shape each score:   

  • Affordability (40%): Maximum annual cost exposure, calculated as annual premiums plus the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
  • Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category. Members’ overall plan ratings from CAHPS, Medicare’s member survey, make up 40%. Both are measured at the contract level.
  • Benefits & Access (20%): Supplemental benefits, including dental, vision, hearing and over-the-counter (OTC) allowances, make up 50% of this category. County coverage makes up 30% and plan choice per county makes up 20%.

About Patrick Bryant

Patrick Bryant, Vertical Lead, Life & Health Insurance, MoneyGeek

Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.

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