We analyzed rates from 13 providers across all 10 standardized plan types using Medicare.gov's plan browsing tool and found the lowest-cost option in each category. Moda Health has Oregon's cheapest Plan G at $185 per month. Everence Association charges $128 for Plan N and USAA prices Plan F at $197 for grandfathered beneficiaries. Since federal law standardizes benefits by letter, paying more gets you nothing extra.
Best Medicare Supplement Plans in Oregon (2026)
Updated: August 13, 2026
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Key Takeaways
Moda Health offers Oregon’s lowest Plan G rate at $185 per month, while USAA provides the most affordable Plan F option at $197 monthly. Everence has the cheapest Plan N rate at $128 per month.
Medicare Supplement plans in Oregon cost between $100 and $288 per month for most plan types, depending on coverage level, provider and pricing style.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in Oregon
| United American | A | $108 | $97 | Attained Age Pricing |
| Humana | B | $208 | $42 | Attained Age Pricing |
| United American | C | $222 | $56 | Attained Age Pricing |
| State Farm | D | $187 | $24 | Attained Age Pricing |
| USAA | F | $197 | $91 | Attained Age Pricing |
| Moda Health Plan, Inc. | G | $185 | $39 | Attained Age Pricing |
| AARP | K | $66 | $34 | Attained Age Pricing |
| Everence Association Inc. | L | $118 | $21 | Issue Age Pricing |
| Transamerica | M | $180 | $0 | Issue Age Pricing |
| Everence Association Inc. | N | $128 | $37 | Issue Age Pricing |
*Prices are for 65-year-olds.
Moda Health
MoneyGeek Rating
4.1/ 5
4.9/5Affordability
3.6/5Pricing Style
2.7/5Plan Availability
Average Plan G Rate
$185Plan Types
A, F, G, N
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Average Plan G Rate
$188Plan Types
A, F, G, N
Everence
MoneyGeek Rating
4.1/ 5
4.7/5Affordability
3.7/5Pricing Style
3.1/5Plan Availability
Average Plan G Rate
$195Plan Types
A, F, G, L, N
United American
MoneyGeek Rating
4.9/ 5
4.8/5Affordability
5/5Pricing Style
5/5Plan Availability
Average Plan G Rate
$214Plan Types
A, B, C, D, F, G, K, L, N
Humana
MoneyGeek Rating
4.0/ 5
4.2/5Affordability
4.1/5Pricing Style
3.5/5Availability
Average Plan G Rate
$344Plan Types
A, B, C, F, G, K, L, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$187Plan Types
A, C, D, F, G, N
AARP
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.2/5Pricing Style
3.9/5Availability
Average Plan G Rate
$203Plan Types
A, B, C, F, G, K, L, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$221Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Oregon
Seven companies sell Plan G in Oregon, with a $29 monthly gap between the lowest and highest rates. Moda Health charges $185, the lowest rate in Oregon. United American is at $214 for the same standardized benefits. State Farm at $187 is the second-cheapest option. Plan G pays everything Medicare approves except the annual Part B deductible.
| Moda Health Plan, Inc. | $185 | $39 | $2,220 | $471 |
| State Farm | $187 | $37 | $2,244 | $447 |
| USAA | $188 | $36 | $2,256 | $435 |
| Everence Association Inc. | $195 | $29 | $2,340 | $351 |
| AARP | $203 | $21 | $2,436 | $255 |
| Bankers Life | $207 | $18 | $2,478 | $213 |
| United American | $214 | $10 | $2,568 | $123 |
Best Medicare Supplement Plan F in Oregon
Only beneficiaries enrolled before January 1, 2020 can buy Plan F. For those grandfathered in, seven Oregon insurers offer this coverage. Annual savings reach $1,080 when choosing USAA's $197 rate over higher options. Moda Health charges $234 monthly and Bankers Life charges $237. Plan F eliminates every Medicare gap including the Part B deductible.
| USAA | $197 | $91 | $2,364 | $1,093 |
| Moda Health Plan, Inc. | $234 | $54 | $2,808 | $649 |
| Bankers Life | $237 | $51 | $2,844 | $613 |
| State Farm | $240 | $48 | $2,880 | $577 |
| AARP | $244 | $44 | $2,928 | $529 |
| Globe Life | $250 | $38 | $3,000 | $457 |
| Blue Cross Blue Shield | $258 | $30 | $3,096 | $361 |
Best Medicare Supplement Plan N in Oregon
Plan N trades lower premiums for predictable copays. Everence Association charges $128 monthly while AARP charges $159. That $31 gap equals $372 per year. Most Oregon seniors pay those copays less often than the premium difference between Plan N and Plan G would cost them. Bankers Life and State Farm are at $143 and $145, respectively.
| Everence Association Inc. | $128 | $37 | $1,536 | $438 |
| Bankers Life | $143 | $22 | $1,716 | $258 |
| State Farm | $145 | $20 | $1,740 | $234 |
| Globe Life | $149 | $16 | $1,788 | $186 |
| USAA | $155 | $10 | $1,860 | $114 |
| AFLAC | $156 | $9 | $1,872 | $102 |
| AARP | $159 | $6 | $1,908 | $66 |
Personalized Oregon Medicare Supplement Plan Recommendations
Use the filters below to view rates for your specific situation. Select plan type, enter your age and choose whether you want high-deductible coverage. The table displays actual premiums Oregon insurers charge based on your criteria.
Data filtered by:
A
Select
No
| United American | A | No | 65 | $108 | $0 | Attained Age Pricing |
| AARP | A | No | 65 | $131 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $134 | $0 | Attained Age Pricing |
| Moda Health Plan, Inc. | A | No | 65 | $141 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $146 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $148 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $181 | $0 | Attained Age Pricing |
| Blue Cross Blue Shield | A | No | 65 | $186 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $194 | $0 | Issue Age Pricing |
| Everence Association Inc. | A | No | 65 | $200 | $0 | Issue Age Pricing |
Medicare Supplement Plan Cost in Oregon
Oregon residents age 65 pay $100 to $288 per month for Medigap coverage, averaging $204 across all plan types. Plan K costs $100 monthly on average while Plan F reaches $288. The three most purchased plans average $224 for Plan G, $288 for Plan F and $165 for Plan N.
Annual spending ranges from $1,200 to $3,456. Your cost depends on which company you select, how old you are and the pricing method the insurer uses. Companies charge different rates for identical Medicare Supplement benefits. Plan G rates vary $29 monthly between the cheapest and most expensive Oregon options.
| A | $205 | $2,460 |
| B | $250 | $3,000 |
| C | $278 | $3,336 |
| D | $211 | $2,532 |
| F | $288 | $3,456 |
| G | $224 | $2,688 |
| K | $100 | $1,200 |
| L | $139 | $1,668 |
| M | $180 | $2,160 |
| N | $165 | $1,980 |
How to Choose the Best Medicare Supplement Plan
Price and plan letter are only part of the decision. Rate stability over time, the insurer's financial strength and claims handling quality all matter equally for a plan you may carry for 20 or more years.
- 1Assess Your Health Care Needs
More coverage costs more monthly but saves money when you need care. If you have ongoing conditions requiring regular treatment, higher monthly premiums can cost less overall due to lower out-of-pocket costs.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries and is the right starting point for most Oregon seniors enrolling in 2026. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). At $57 less per month than the cheapest Plan G, Plan N saves money for enrollees who average fewer than three extra doctor visits per year. Plan F, available only to those who enrolled in Medicare before 2020, covers all out-of-pocket costs, including the Part B deductible. USAA leads Oregon Plan F pricing at $197 per month.
Plans K and L cost less monthly but require enrollees to pay a percentage of costs until reaching an annual limit. They work best when the monthly premium is the primary concern. See how Medicare Advantage plans in Oregon compare if that coverage path hasn't been ruled out, since the two approaches can't be combined.
- 3Get Quotes From Multiple Providers
Request quotes from a minimum of three companies. Insurers charge different rates for identical coverage, and the difference can be hundreds of dollars per year.
- 4Check Pricing Style
Pricing methods are issue-age (locked at your enrollment age), attained-age (rises as you age) and community-rated (same for everyone). Issue-age and community-rated plans cost less over the long term for most seniors.
- 5Check Company Ratings
Review AM Best ratings for financial stability and customer satisfaction scores for service quality. Lower premiums don't help if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month time period starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Oregon Medicare Resources
Oregon residents needing help with Medicare coverage and enrollment options can look into the below multiple resources that provide free state and federal assistance.
- Oregon Senior Health Insurance Benefits Assistance (SHIBA): State-trained volunteers counsel Oregon residents about Medicare at no charge. SHIBA advisors explain Medigap policies, prescription drug plans and fraud prevention. No volunteers sell insurance or collect commissions. All guidance stays unbiased. Call local offices to arrange counseling appointments.
- Oregon Department of Consumer and Business Services: This state agency publishes annual guides comparing Medigap rates from all approved insurers. A consumer helpline answers questions about billing disputes and coverage problems. Staff investigate complaints and enforce Oregon insurance laws protecting state residents.
- Oregon Area Agencies on Aging: Regional offices throughout Oregon coordinate Medicare enrollment help and benefits counseling. Staff connects older Oregonians with community programs, caregiver support and health services statewide. Each area has local aging services available to residents.
- Medicare.gov: CMS operates this federal website with complete Medicare information. The plan finder displays every Medigap, Medicare Advantage and Part D option in your ZIP code. Compare premiums, benefits and quality ratings side-by-side. Enrollment periods and federal coverage rules are explained throughout the site.
Which Is the Right Medicare Supplement Plan for You?
For most Oregon seniors enrolling in 2026, Plan G from Moda Health at $185 per month is the right starting point. The savings versus the state's Plan G average of $224 add up to $468 per year for coverage that federal law makes identical regardless of which insurer you choose. If Moda Health's four-plan lineup doesn't cover what you need, State Farm at $187 is the next-best Plan G rate and adds Plans C and D to the mix.
Transamerica is the only company in Oregon offering all 10 plan types. Its rates don't lead on price for any individual plan. Transamerica is the right choice if plan flexibility matters more than rate. But if Plan G is your target, start at the top of the price table and work down.
Medicare Supplement Plans in Oregon: FAQ
Here are common questions about Medigap coverage in Oregon.
Medicare Supplement open enrollment in Oregon begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
You can apply to switch Medigap plans in Oregon at any time, but insurers can use medical underwriting outside your open enrollment window. That means a carrier can charge you more or deny coverage based on your health history. Oregon does not require insurers to accept all applicants after the six-month open enrollment period ends, so switching plans after that window carries real risk if your health has changed since you first enrolled.
Yes. Oregon law gives you guaranteed issue rights in specific situations outside open enrollment: if your Medicare Advantage plan leaves the area or stops covering your county, if you move out of your plan's service area or if you lose coverage through no fault of your own. In these situations, insurers must accept your Medigap application without medical underwriting. Contact Oregon's SHIBA program at no cost to confirm whether your situation qualifies before applying.
Our Methodology
MoneyGeek collected Oregon Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool in June 2026. Rates reflect a nonsmoker profile with no medical underwriting applied, consistent with open enrollment eligibility. We evaluated 13 providers offering coverage in Oregon across all 10 standardized plan types. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Oregon Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- CMS.gov. "What are you looking for today?." Accessed August 13, 2026.
- Medicare.gov. "Welcome to Medicare." Accessed August 13, 2026.