Oregon Medicare Advantage Insurers for 2027, Compared
Key Takeaways
- ✓Two insurers are gone. Providence and HealthSpring sold regular Medicare Advantage plans in Oregon in 2026 and don’t in 2027.
- ✓Southern Oregon lost the most. Jackson and Josephine counties each went from 20 plans to 5. Regence, UnitedHealthcare, and Wellcare all left both.
- ✓Portland went from 43 plans to 32 in each of Multnomah, Washington, and Clackamas counties.
- ✓Devoted Health grew from 12 Oregon counties to 19.
- ✓Eleven counties have one insurer. Six have none.
- ✓Kaiser Permanente and Humana rate highest. ATRIO rates lowest.
- ✓Hospital networks moved too. Providence, OHSU, and Asante are each out of at least one insurer’s Medicare Advantage network.
All Nine Insurers, Side by Side
These are plans open to anyone with Medicare. The premium range covers plans that include drug coverage.
| Insurer | Plan types | Oregon counties | Monthly premium range | In-network out-of-pocket max | 2027 overall star rating |
|---|---|---|---|---|---|
| Aetna Medicare | HMO | 7 | $0 | $5,500 to $7,150 | 3 |
| ATRIO Health Plans | PPO | 11 | $0 to $139 | $4,450 to $7,900 | 2.5 |
| Devoted Health | HMO, PPO | 19 | $0 to $48 | $5,900 to $9,850 | 3 (HMO), 4.5 (PPO) |
| Humana | HMO, PPO | 13 | $0 to $97 | $5,100 to $9,150 | 4 to 4.5 |
| Kaiser Permanente | HMO-POS | 10 | $0 to $134 | $4,000 to $6,750 | 4.5 |
| PacificSource Medicare | HMO-POS | 8 | $49 to $198 | $6,250 to $9,850 | 3 |
| Regence BlueCross BlueShield of Oregon | HMO, PPO | 8 | $0 to $244 | $5,300 to $7,150 | 3.5 |
| UnitedHealthcare | HMO-POS, PPO | 11 | $0 to $94 | $6,700 to $7,150 | 3.5 (HMO-POS), 4 (PPO) |
| Wellcare | HMO-POS, PPO | 11 | $0 to $206 | $6,500 to $9,250 | 3 |
Source: CMS 2027 Medicare Advantage Landscape file and CMS 2027 Star Ratings, released October 8, 2026. Ranges cover every county the insurer serves, so your county’s numbers will sit inside them. You still pay your Part B premium.
Medicare’s official Plan Finder shows every plan in your ZIP code, with costs for your drugs.
Want free one-on-one help? Oregon’s SHIBA program offers free, unbiased Medicare counseling. Call 800-722-4134 or visit shiba.oregon.gov.
Star Ratings by Insurer
Medicare scores each Medicare Advantage contract from 1 to 5 stars every year. The national average for 2027 is 3.99. Some insurers hold more than one contract, which is why a few have two scores.
| Insurer | Contract | What it covers in Oregon | 2027 overall | Health plan | Drug plan |
|---|---|---|---|---|---|
| Kaiser Permanente | H9003 | All Kaiser plans | 4.5 | 4 | 5 |
| Humana | H1036 | HMO plans in Clackamas, Columbia, Multnomah, Washington | 4.5 | 4.5 | 4 |
| Humana | H7617 | Value Choice PPO in Malheur | 4.5 | 4.5 | 4 |
| Devoted Health | H7199 | Choice Premium PPO | 4.5 | 4 | 4.5 |
| Humana | H5216 | Most PPO plans | 4 | 4 | 4 |
| Humana | H5525 | HumanaChoice PPO in six eastern and Gorge counties | 4 | 4 | 3.5 |
| UnitedHealthcare | H2406 | PPO plans | 4 | 3.5 | 4 |
| Regence | H3817 | PPO plans | 3.5 | 3.5 | 4.5 |
| Regence | H6237 | BlueAdvantage HMO in Lane | 3.5 | 3.5 | 3.5 |
| UnitedHealthcare | H3805 | HMO-POS plans | 3.5 | 3.5 | 3.5 |
| Aetna Medicare | H2056 | All Aetna plans | 3 | 3 | 2.5 |
| Devoted Health | H2923 | HMO plans | 3 | 3 | 3 |
| PacificSource Medicare | H3864 | All PacificSource plans | 3 | 3 | 3 |
| Wellcare | H5439 | PPO plans | 3 | 2.5 | 3.5 |
| Wellcare | H6815 | HMO-POS plans | 3 | 3 | 3 |
| ATRIO Health Plans | H7006 | Clackamas, Lane, Marion, Multnomah, Polk, Washington, Yamhill | 2.5 | 2.5 | 3.5 |
| ATRIO Health Plans | H6743 | Douglas, Jackson, Josephine, Klamath | 2.5 | 2.5 | 3 |
Source: CMS 2027 Star Ratings. A contract’s rating can include members in other states.
Where Each Insurer Sells Plans
| Insurer | Oregon counties for 2027 |
|---|---|
| Aetna Medicare | Clackamas, Columbia, Jackson, Josephine, Multnomah, Washington, Yamhill |
| ATRIO Health Plans | Clackamas, Douglas, Jackson, Josephine, Klamath, Lane, Marion, Multnomah, Polk, Washington, Yamhill |
| Devoted Health | Benton, Clackamas, Clatsop, Columbia, Crook, Gilliam, Hood River, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, Yamhill |
| Humana | Baker, Clackamas, Columbia, Gilliam, Hood River, Linn, Malheur, Morrow, Multnomah, Sherman, Wallowa, Wasco, Washington |
| Kaiser Permanente | Benton, Clackamas, Columbia, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill |
| PacificSource Medicare | Crook, Deschutes, Hood River, Jefferson, Lane, Sherman, Wasco, and four ZIP codes in northern Klamath County |
| Regence BlueCross BlueShield of Oregon | Benton, Clackamas, Columbia, Lane, Marion, Multnomah, Washington, Yamhill |
| UnitedHealthcare | Benton, Clackamas, Columbia, Hood River, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill |
| Wellcare | Clackamas, Columbia, Coos, Douglas, Lane, Linn, Marion, Multnomah, Polk, Washington, Yamhill |
Some insurers cover only part of a county. Kaiser Permanente, for example, covers certain ZIP codes in Benton and Linn counties. Always confirm with your ZIP code.
Get a closer look at ATRIO Health Plans and PacificSource Medicare.
Insurers in Your County
Find your county to see how many regular Medicare Advantage plans you can choose from in 2027, and who sells them.
| County | Plans | Insurers |
|---|---|---|
| Baker | 5 | Humana |
| Benton | 16 | Devoted Health, Kaiser Permanente, Regence, UnitedHealthcare |
| Clackamas | 32 | Aetna, ATRIO, Devoted Health, Humana, Kaiser Permanente, Regence, UnitedHealthcare, Wellcare |
| Clatsop | 5 | Devoted Health |
| Columbia | 26 | Aetna, Devoted Health, Humana, Kaiser Permanente, Regence, UnitedHealthcare, Wellcare |
| Coos | 1 | Wellcare |
| Crook | 6 | Devoted Health, PacificSource |
| Deschutes | 3 | PacificSource |
| Douglas | 4 | ATRIO, Wellcare |
| Gilliam | 8 | Devoted Health, Humana |
| Hood River | 14 | Devoted Health, Humana, PacificSource, UnitedHealthcare |
| Jackson | 5 | Aetna, ATRIO |
| Jefferson | 3 | PacificSource |
| Josephine | 5 | Aetna, ATRIO |
| Klamath | 6 | ATRIO, PacificSource |
| Lane | 26 | ATRIO, Devoted Health, Kaiser Permanente, PacificSource, Regence, UnitedHealthcare, Wellcare |
| Lincoln | 4 | Devoted Health |
| Linn | 20 | Devoted Health, Humana, Kaiser Permanente, UnitedHealthcare, Wellcare |
| Malheur | 6 | Humana |
| Marion | 22 | ATRIO, Devoted Health, Kaiser Permanente, Regence, UnitedHealthcare, Wellcare |
| Morrow | 5 | Humana |
| Multnomah | 32 | Aetna, ATRIO, Devoted Health, Humana, Kaiser Permanente, Regence, UnitedHealthcare, Wellcare |
| Polk | 19 | ATRIO, Devoted Health, Kaiser Permanente, UnitedHealthcare, Wellcare |
| Sherman | 11 | Devoted Health, Humana, PacificSource |
| Tillamook | 5 | Devoted Health |
| Wallowa | 5 | Humana |
| Wasco | 7 | Devoted Health, Humana, PacificSource |
| Washington | 32 | Aetna, ATRIO, Devoted Health, Humana, Kaiser Permanente, Regence, UnitedHealthcare, Wellcare |
| Wheeler | 3 | Devoted Health |
| Yamhill | 27 | Aetna, ATRIO, Devoted Health, Kaiser Permanente, Regence, UnitedHealthcare, Wellcare |
Source: CMS 2027 Medicare Advantage Landscape file. Special needs plans aren’t counted.
No regular Medicare Advantage plans for 2027: Curry, Grant, Harney, Lake, Umatilla, and Union counties. If you live there, your choice is Original Medicare, usually with a Medicare Supplement and a Part D plan.
Who Left and What Changed for 2027
This was a rough year for plan choices in Oregon. The Oregonian reported that more than 162,000 Oregonians are in plans that are ending or leaving their county.
| Insurer | Counties in 2026 | Counties in 2027 | What changed |
|---|---|---|---|
| Providence | 6 | 0 | All Medicare Advantage plans end December 31, 2026 |
| HealthSpring | 4 | 0 | Left Clackamas, Columbia, Multnomah, and Washington |
| Regence | 13 | 8 | Left Douglas, Jackson, Josephine, Linn, and Polk |
| PacificSource | 11 | 8 | Left Clackamas, Multnomah, and Washington |
| Wellcare | 14 | 11 | Left Benton, Jackson, and Josephine |
| UnitedHealthcare | 13 | 11 | Left Jackson and Josephine |
| Devoted Health | 12 | 19 | Added Crook, Gilliam, Polk, Sherman, Wasco, Wheeler, and Yamhill |
| Aetna, ATRIO, Humana, Kaiser Permanente | Same | Same | No county changes |
Source: CMS 2026 and 2027 Landscape files.
The counties that lost the most plans:
| County | Plans in 2026 | Plans in 2027 |
|---|---|---|
| Jackson | 20 | 5 |
| Josephine | 20 | 5 |
| Douglas | 12 | 4 |
| Multnomah, Washington, Clackamas | 43 each | 32 each |
| Benton | 23 | 16 |
| Lane | 33 | 26 |
| Hood River | 20 | 14 |
Leaving a Providence plan? Here’s what Providence members should do.
Hospital Network Changes to Know About
A plan being sold in your county doesn’t mean your hospital is in it. These are the changes each side has published for 2027.
| Health system | What changed | Who says so |
|---|---|---|
| Providence | Out of network for UnitedHealthcare’s individual Medicare Advantage, group retiree, and chronic special needs plans starting January 1, 2027 | UnitedHealthcare, updated October 5, 2026 |
| Providence Medical Group, Portland and Yamhill | Lists Devoted Health HMO plans (not PPO) and Regence PPO plans at its Canby, Molalla, and Wilsonville clinics only | Providence |
| OHSU and Hillsboro Medical Center | Out of network for Regence Medicare Advantage HMO and PPO plans starting January 1, 2027 | OHSU, August 27, 2026 |
| OHSU | Out of network for ATRIO members in Lane, Yamhill, Washington, Clackamas, and Multnomah counties | ATRIO provider directory |
| Legacy Health | Stays in UnitedHealthcare’s Medicare Advantage network under a new agreement | UnitedHealthcare, updated September 30, 2026 |
| Legacy primary care | Not in ATRIO’s network, except at Legacy Silverton | ATRIO provider directory |
| Asante (Medford, Grants Pass, Ashland) | Out of ATRIO’s network since January 1, 2026 | ATRIO provider directory and Asante |
| St. Charles (Central Oregon) | Shown in PacificSource’s 2027 brochure. The last announced Medicare agreement covered 2026. | PacificSource |
Kaiser Permanente works differently from the rest: you get your care from Kaiser’s own doctors and facilities, with limited coverage when you travel outside its service area.
Networks can change through the end of the year. Confirm with the plan and your doctor’s office before you enroll.
If Your Plan Is Ending
You have more time and more rights than a normal year gives you.
- ✓Open Enrollment, October 15 to December 7: choose a new plan and it starts January 1.
- ✓A special window, December 8 through the end of February: for people whose plan isn’t renewed.
- ✓Medicare Supplement guaranteed issue: if your Medicare Advantage plan ends in your area and you move to Original Medicare, Oregon’s rules let you buy a Supplement without health questions for a limited time.
Your plan’s notice tells you whether you were moved to another plan or need to choose one. The Providence guide walks through the deadlines and Supplement rights in detail, and they apply to other ending plans too.
Special Needs Plans
Some Oregon insurers offer only special needs plans for 2027: AgeRight Advantage, AllCare Advantage, CareOregon Advantage, Samaritan Advantage, and SCAN. These plans are for people who qualify for both Medicare and the Oregon Health Plan, live in a care facility, or have certain chronic conditions.
How to Choose Between Insurers
- 1
Start with your doctors and hospital. Networks differ more than anything else, and this year they moved.
- 2
Check your prescriptions on each plan’s 2027 drug list.
- 3
Compare the out-of-pocket max, not just the premium.
- 4
Look at the plan type. PPOs usually let you go out of network for more money. HMOs usually don’t.
- 5
Glance at the star rating as a tiebreaker, not a verdict.
FAQs
Which insurance companies offer Medicare Advantage in Oregon for 2027?
Aetna, ATRIO, Devoted Health, Humana, Kaiser Permanente, PacificSource, Regence, UnitedHealthcare, and Wellcare.
Which Medicare Advantage insurers serve the Portland area?
In Multnomah, Washington, and Clackamas counties: Aetna, ATRIO, Devoted Health, Humana, Kaiser Permanente, Regence, UnitedHealthcare, and Wellcare. Each county has 32 plans.
Which insurers left Oregon's Medicare Advantage market for 2027?
Providence and HealthSpring no longer sell regular Medicare Advantage plans in Oregon. Regence, PacificSource, Wellcare, and UnitedHealthcare each left some counties.
Is Providence still offering Medicare Advantage?
No. Providence Medicare Advantage plans end December 31, 2026.
Which Oregon Medicare Advantage insurer has the best star rating?
For 2027, Kaiser Permanente has a 4.5-star overall rating. Humana's contracts rate 4 to 4.5, and Devoted Health's PPO contract rates 4.5.
What Medicare Advantage plans are available in Medford for 2027?
Jackson County has 5 regular plans from two insurers, Aetna and ATRIO. Regence, UnitedHealthcare, and Wellcare left the county for 2027.
What Medicare Advantage plans are available in Bend for 2027?
Deschutes County has 3 regular plans, all from PacificSource Medicare.
Does Kaiser offer Medicare Advantage in Oregon?
Yes. Kaiser Permanente sells HMO-POS plans in 10 Oregon counties for 2027, including Multnomah, Washington, and Clackamas.
Does OHSU take Regence Medicare Advantage in 2027?
No. OHSU says it and Hillsboro Medical Center won't be in network for Regence Medicare Advantage HMO and PPO plans starting January 1, 2027.
Which Oregon counties have no Medicare Advantage plans?
Curry, Grant, Harney, Lake, Umatilla, and Union counties have no regular Medicare Advantage plans for 2027.
Medicare’s official Plan Finder shows every plan in your ZIP code, with costs for your drugs.
Want free one-on-one help? Oregon’s SHIBA program offers free, unbiased Medicare counseling. Call 800-722-4134 or visit shiba.oregon.gov.
How We Got These Numbers
Plan counts, counties, premiums, and out-of-pocket maximums come from the CMS 2026 and 2027 Medicare Advantage Landscape files. We counted plans open to anyone with Medicare and left out special needs plans and employer plans. Star ratings come from the CMS 2027 Star Ratings released October 8, 2026. Network changes come from each insurer’s or health system’s own notice, with dates shown.
- CMS, 2027 Medicare Advantage and Part D Landscape file
- CMS, 2026 Medicare Advantage and Part D Landscape file
- CMS, 2027 Star Ratings data tables
- CMS, 2027 Star Ratings fact sheet
- UnitedHealthcare, Providence Health in Oregon and Washington
- UnitedHealthcare, Legacy Health
- Providence Medical Group Oregon, accepted health plans
- OHSU, Our negotiations with Regence BlueCross BlueShield and your care
- ATRIO, provider directory notice
- Asante, ATRIO Health Plans release
- PacificSource, Continued access to care through St. Charles Health System
- Kaiser Permanente, 2027 Summary of Benefits
- The Oregonian, Oregon Medicare plans are ending and hospital networks are changing (October 8, 2026)
- CMS, 2027 enrollment guidance (special enrollment for non-renewed plans)
- Oregon Administrative Rule 836-052-0142, Guaranteed Issue for Eligible Persons
