Best Medicare Advantage Plans in Oregon (2026)

Aetna Medicare has five Medicare Advantage plans in Oregon for 2026, including two HMO-POS and three PPO options. Four plans have $0 monthly premiums, and the median out-of-pocket maximum is $5,900. All five include dental, vision and hearing benefits, with annual hearing allowances up to $2,500. Aetna's PPO plans have a 4.5-star CMS rating, the highest in our analysis, but its HMO-POS plans have a lower 3-star rating. Primary care copays start at $10 and specialist copays at $30.

Aetna's main limitation is its geographic reach. Its plans are available in just seven of Oregon's 36 counties, concentrated around the Portland metro area and southern Oregon.

Kaiser Permanente has four HMO-POS Medicare Advantage plans in Oregon for 2026, serving 10 counties statewide. Two plans have $0 monthly premiums, and the carrier posts a median maximum annual cost exposure of $4,936, the lowest in our analysis. Primary care copays run from $15 to $20, while specialist copays range from $20 to $35. Kaiser also has a 4-star CMS rating and an 87 out of 100 CAHPS score for member experience.

The carrier's main limitation is supplemental coverage. None of Kaiser’s plans include dental, vision or hearing allowances. Availability is also concentrated. Three plans serve nine counties around Portland and the Willamette Valley, while one option is limited to Lane County only.

Devoted Health covers about one-third of the state with its strongest presence in the Willamette Valley and northwest Oregon. Its lineup includes five HMOs and one PPO serving roughly 18,165 enrollees. Half of its HMO plans have $0 monthly premiums, while the carrier’s median out-of-pocket maximum is $5,900, tied with Aetna and HealthSpring for the second-lowest median MOOP in the state. Every plan includes dental and vision benefits, though none include hearing coverage.

All of Devoted's plans have a 3.5-star CMS rating, and its CAHPS member experience scores range from 83 to 84. Both of these quality ratings are among the lowest in the state.

With more than 119,000 Medicare Advantage enrollees, UnitedHealthcare has the largest membership base among Oregon carriers. Its six HMO-POS and PPO plans all charge $0 monthly premiums and are available across 11 to 13 counties, depending on the plan. Every option includes a $250 to $300 annual vision allowance, while the AARP Medicare Advantage Patriot No Rx plan provides a $4,000 dental maximum, the highest among Oregon plans we reviewed.

Plan type makes a bigger difference when it comes to quality and costs. UnitedHealthcare’s PPO plans provide greater flexibility to use out-of-network providers and have a 4-star CMS ratings, compared with 3.5 stars for its HMO-POS plans. Maximum out-of-pocket limits range from $5,200 to $6,700 across its catalog.

HealthSpring’s strongest Oregon Medicare Advantage option is its Preferred HMO plan, which pairs a $0 monthly premium with a $5,000 out-of-pocket maximum, $15 primary care copays and $10 specialist visits. Its True Choice PPO plan also charges no monthly premium but has a higher $6,800 out-of-pocket maximum and a lower 3-star CMS rating.

Dental and vision coverage are included with both plans, but hearing benefits are excluded. HealthSpring’s biggest limitation is availability. Its two plan options are only available in Clackamas, Columbia, Multnomah and Washington counties.

Providence Medicare Advantage is a regional carrier concentrated in the Portland metro area, with additional coverage in Hood River and Lane County. Within that footprint, shoppers get consistent quality. All five of its plans have a 4-star CMS rating and an 87 out of 100 CAHPS score for member experience.

The carrier's lineup includes four HMOs and one HMO-POS plan, with two $0 monthly premium options. Maximum out-of-pocket limits reach $6,750, though some plans offer lower cost exposure alongside primary care copays starting at $15. Vision benefits appear on every plan, while dental and hearing coverage are completely absent.

PacificSource gives Oregon shoppers more plan variety than many regional carriers, with 10 Medicare Advantage plan options spanning HMO, HMO-POS and PPO coverage across 11 counties. Its best value is concentrated in select HMO-POS plans. The Essentials Choice 2 plan, for example, charges no monthly premium, caps out-of-pocket spending at $5,950 and includes a $2,500 dental maximum.

Across the full catalog, only three plans have $0 premiums, and the median out-of-pocket maximum is $6,500. Quality is also mixed. Its HMO and HMO-POS plans have a 3.5-star CMS rating, while the PPOs have a 3-star rating, among the lowest in the state. Vision comes standard on every plan and dental on most plans, but hearing benefits aren't included.