Medicare Part D Drug Plans in Oregon for 2027
Key Takeaways
- ✓The $0 premium plans are gone. Four standalone plans cost $0 a month in 2026. For 2027 the cheapest is $5.30.
- ✓One plan nearly tripled. AARP Medicare Rx Saver went from $38.40 to $105.50 a month.
- ✓Two 2026 plans aren’t coming back: SilverScript Choice and HealthSpring Extra Rx.
- ✓Humana’s three plans have the top drug plan rating, 4.5 out of 5 stars for 2027.
- ✓Your yearly drug costs are capped at $2,400. After that, covered drugs are $0 for the rest of the year.
- ✓The premium is not the price. The plan that costs you least is the one that covers your drugs at your pharmacy.
Every 2027 Part D Plan in Oregon
These plans are sold statewide. The star rating is Medicare’s 2027 score for the company’s drug plan contract, on a 5-star scale.
| Plan | Company | Monthly premium | Yearly deductible | 2027 star rating |
|---|---|---|---|---|
| Wellcare Value Script | Wellcare | $5.30 | $700 | 3 |
| Humana Basic Rx Plan | Humana | $6.30 | $700 | 4.5 |
| Wellcare Classic | Wellcare | $7.30 | $700 | 3 |
| HealthSpring Assurance Rx | HealthSpring | $9.30 | $700 | 2.5 |
| Humana Value Rx Plan | Humana | $37.40 | $687 | 4.5 |
| AARP Medicare Rx Saver from UHC | UnitedHealthcare | $105.50 | $700 | 3 |
| Humana Premier Rx Plan | Humana | $127.90 | $350 | 4.5 |
| AARP Medicare Rx Preferred from UHC | UnitedHealthcare | $184.20 | $300 | 3 |
Source: CMS 2027 Medicare Advantage and Part D Landscape file, and CMS 2027 Star Ratings released October 8, 2026.
On four of these plans, at least one drug tier skips the deductible: Wellcare Value Script, Humana Value Rx, Humana Premier Rx, and AARP Medicare Rx Preferred. If you mostly take low-tier generics, that can matter more than the deductible number.
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.
What Changed From 2026
If your plan renewed on its own last year, look closely this year. Every standalone premium in Oregon went up.
| Plan | 2026 premium | 2027 premium | 2026 deductible | 2027 deductible |
|---|---|---|---|---|
| Wellcare Value Script | $0 | $5.30 | $615 | $700 |
| Humana Basic Rx Plan | $0 | $6.30 | $615 | $700 |
| Wellcare Classic | $0 | $7.30 | $615 | $700 |
| HealthSpring Assurance Rx | $0 | $9.30 | $615 | $700 |
| Humana Value Rx Plan | $22.10 | $37.40 | $601 | $687 |
| AARP Medicare Rx Saver from UHC | $38.40 | $105.50 | $615 | $700 |
| Humana Premier Rx Plan | $108.60 | $127.90 | $0 | $350 |
| AARP Medicare Rx Preferred from UHC | $110.00 | $184.20 | $130 | $300 |
Source: CMS 2026 and 2027 Landscape files.
Two plans from 2026 aren’t on the 2027 list: SilverScript Choice and HealthSpring Extra Rx. If you had one of them, read the notice your plan sent. It tells you whether you were moved to another plan or need to pick one.
How Part D Works
Original Medicare doesn’t cover most prescriptions you fill at a pharmacy. Part D fills that gap. You get it one of two ways:
- ✓A standalone Part D plan. One of the eight plans above, added to Original Medicare, often alongside a Medicare Supplement.
- ✓A Medicare Advantage plan with drug coverage built in. For 2027, 58 of Oregon’s 69 regular Medicare Advantage plans include it. See Medicare Advantage plans in Oregon.
One rule catches people: if you join a Medicare Advantage HMO or PPO that has no drug coverage, you can’t add a separate Part D plan to it. Join one anyway and Medicare drops you from the Medicare Advantage plan and puts you back on Original Medicare.
Each plan has its own drug list (called a formulary), drug tiers, and preferred pharmacies.
What Part D Costs in 2027
Every Part D plan follows the same three stages, set by Medicare each year.
| Stage | What you pay in 2027 |
|---|---|
| 1. Deductible | The full cost of your drugs until you meet the deductible. No plan can set it above $700. Oregon’s standalone plans range from $300 to $700. |
| 2. Initial coverage | Your share of each prescription. The standard design is 25%, though most plans use set copays by tier. |
| 3. Catastrophic coverage | $0 for covered drugs for the rest of the year, once your out-of-pocket spending on covered drugs reaches $2,400. |
Two protections apply on every plan:
- ✓Insulin: no more than $35 for a one-month supply of each covered insulin, with no deductible.
- ✓Vaccines: recommended adult vaccines, such as shingles and RSV, generally cost you nothing.
The $2,400 cap counts what you spend on covered drugs. It doesn’t count your premium or drugs that aren’t on your plan’s list.
Lower Prices on 15 More Drugs
Medicare now negotiates prices directly with drugmakers for some of the costliest drugs. Negotiated prices take effect January 1, 2027 for these 15:
Austedo, Breo Ellipta, Calquence, Ibrance, Janumet, Linzess, Ofev, Otezla, Ozempic (with Rybelsus and Wegovy), Pomalyst, Tradjenta, Trelegy Ellipta, Vraylar, Xifaxan, and Xtandi.
A negotiated price doesn’t mean every plan covers a drug for every use. Check each plan’s 2027 drug list for the drugs you take.
Don't Skip Part D: The Late Penalty
If you go 63 days or more in a row without Part D or other drug coverage that’s as good as Medicare’s, you’ll owe a late penalty when you do join.
- ✓The penalty is 1% of the national base premium for each full month you went without coverage.
- ✓The national base premium for 2027 is $41.33. It changes every year.
- ✓Example: 14 months without coverage is a 14% penalty. In 2027 that comes to $5.80 more every month.
- ✓It lasts as long as you have Medicare drug coverage.
Coverage that counts as “as good as Medicare’s” is called creditable coverage. It includes drug coverage from the VA, TRICARE, the Indian Health Service, and many employer or union plans. Your plan has to tell you each year whether its coverage is creditable. Keep that letter.
Even if you take few or no prescriptions now, a low-premium plan protects you from the penalty later. Turning 65? See the Turning 65 in Oregon checklist.
Help Paying for Prescriptions
Extra Help
Extra Help is a federal program that pays most Part D costs for people with limited income and savings. With it, in 2027 you pay:
| Cost | With Extra Help in 2027 |
|---|---|
| Plan premium | $0 |
| Deductible | $0 |
| Generic drugs | Up to $5.80 each |
| Brand-name drugs | Up to $14.40 each |
| Late penalty | None while you get Extra Help |
The 2026 limits to qualify are $23,940 in yearly income and $18,090 in resources for one person, or $32,460 and $36,100 for a married couple. The 2027 limits haven’t been published yet.
You get Extra Help automatically if you have full Medicaid (the Oregon Health Plan), get Supplemental Security Income, or are in a Medicare Savings Program that pays your Part B premium.
Here’s an Oregon detail worth knowing: Oregon’s Medicare Savings Programs have no asset limit. So if your income fits but your savings are over the Extra Help limit, a Medicare Savings Program may be your way in.
One more thing if you have full Extra Help: Humana Basic Rx is the Oregon standalone plan with a $0 premium for you in 2027.
Medicare Prescription Payment Plan
This spreads your out-of-pocket drug costs into monthly bills across the year. There’s no cost to join, and every plan offers it. It doesn’t lower what you owe in total, but it can turn one big pharmacy bill into smaller ones.
Oregon's ArrayRx discount card
The state’s free ArrayRx card is open to any Oregon resident, with no age or income limits. It’s a discount card, not insurance. You can use it in place of your Part D plan for a fill when a drug isn’t covered, but what you pay with the card doesn’t count toward your deductible or your $2,400 cap.
When You Can Join or Switch
| When | What you can do |
|---|---|
| Your Initial Enrollment Period | Join a plan during the 7 months around your 65th birthday |
| October 15 to December 7 each year | Join, switch, or drop a plan. Changes start January 1. |
| After losing creditable coverage | You have 2 full months to join a plan |
| If you have Extra Help or Medicaid | You can change drug coverage once a month |
Outside those windows, you generally stay in your plan for the calendar year.
How to Choose a Part D Plan
- 1
List every prescription, with the dose and how often you take it.
- 2
Check each plan’s 2027 drug list. Make sure every drug is covered, and note its tier.
- 3
Check your pharmacy. Preferred pharmacies usually mean lower copays.
- 4
Compare the total yearly cost: premium, deductible, and copays together.
- 5
Recheck every fall. Drug lists and prices change every year. This year proved it.
FAQs
What are the Part D plans in Oregon for 2027?
Eight standalone plans from Humana, UnitedHealthcare (AARP), Wellcare, and HealthSpring, with premiums from $5.30 to $184.20 a month.
What's the best Part D plan in Oregon?
The one that covers your drugs at the lowest total yearly cost at your pharmacy. That's different for everyone, which is why the cheapest premium isn't always the best deal.
What is the cheapest Part D plan in Oregon for 2027?
By premium, Wellcare Value Script at $5.30 a month, with a $700 deductible. Whether it's cheapest for you depends on your drugs.
Is there a $0 premium Part D plan in Oregon for 2027?
Not among standalone plans, unless you get full Extra Help. Four plans that were $0 in 2026 now cost $5.30 to $9.30 a month. Many Medicare Advantage plans with drug coverage still have a $0 premium.
What's the most I'll pay for drugs in 2027?
$2,400 out of pocket for covered drugs. After that, you pay $0 for covered drugs for the rest of the year.
What is the Part D deductible for 2027?
No plan can charge more than $700. Oregon's standalone plans range from $300 to $700.
Why did my Part D premium go up?
Every standalone Part D premium in Oregon rose for 2027. If yours jumped, compare all eight plans during Open Enrollment, October 15 to December 7.
Do I need Part D if I don't take any prescriptions?
You don't have to buy it. But going without creditable drug coverage can mean a late penalty that lasts as long as you have Medicare drug coverage.
Do I need Part D if I have VA drug coverage?
VA drug coverage is creditable, so you won't owe a late penalty if you join Part D later. Part D is optional alongside it.
Can I change Part D plans anytime?
No. Most people can switch only during Open Enrollment, October 15 to December 7. People with Extra Help or Medicaid can change once a month.
Does a Medicare Supplement include drug coverage?
No. You'll need a separate Part D plan.
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 names, premiums, and deductibles come from the CMS 2026 and 2027 Landscape files. Star ratings come from the CMS 2027 Star Ratings released October 8, 2026. National cost rules come from CMS and Medicare.gov. Drug lists and pharmacy prices vary by plan, so check your own drugs on Medicare’s Plan Finder.
- 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, CY 2027 Rate Announcement (deductible and out-of-pocket threshold)
- CMS, 2027 Part D national base beneficiary premium (July 28, 2026)
- CMS, Selected drugs and negotiated prices
- Medicare.gov, Part D costs
- Medicare.gov, Help with drug costs (Extra Help)
- Medicare.gov, Choosing drug coverage
- Medicare.gov, Creditable drug coverage
- Medicare.gov, Special Enrollment Periods
- Medicare.gov, Insulin
- Medicare.gov, Medicare Prescription Payment Plan
- Medicare.gov, Medicare & You 2027
- Oregon Department of Human Services, Medicare Savings Programs
- Oregon Health Authority, Oregon Prescription Drug Program
- ArrayRx
