Medicare and Health Insurance in Portland, Oregon: 2027 Guide
Start with the guide you need.
Key Takeaways
- ✓Eleven fewer plans. Each Portland-area county went from 43 Medicare Advantage plans to 32.
- ✓Your health system decides more than your premium does. Providence, OHSU, Legacy, and Kaiser each line up with different plans for 2027.
- ✓Twelve plans have a $0 premium and include drug coverage.
- ✓Star ratings run from 2.5 to 4.5 among Portland’s 32 plans.
- ✓Buying your own health insurance? All four remaining insurers sell here, prices are up an average of 21.6%, and enrollment moves to a new state website on November 1.
- ✓Free, unbiased help is local. Each county has its own Medicare helpline.
Medicare in Portland for 2027
About two out of three people with Medicare in Multnomah, Washington, and Clackamas counties are in a Medicare Advantage plan. So when plans leave, a lot of neighbors feel it at once.
| 2027 Medicare Advantage snapshot | Each Portland-area county |
|---|---|
| Plans open to anyone with Medicare | 32, down from 43 in 2026 |
| Insurers | 8: Aetna, ATRIO, Devoted Health, Humana, Kaiser Permanente, Regence, UnitedHealthcare, Wellcare |
| Insurers that left | Providence, PacificSource, HealthSpring |
| Plans with drug coverage | 25 |
| $0 premium plans with drug coverage | 12 |
| Monthly premium range | $0 to $244 |
| In-network out-of-pocket maximum range | $4,000 to $9,250 |
| Star rating range | 2.5 to 4.5 |
Source: CMS 2026 and 2027 Medicare Advantage Landscape files and CMS 2027 Star Ratings.
Every 2027 Medicare Advantage Plan in Portland
The same 32 plans are sold in Multnomah, Washington, and Clackamas counties. Stars are Medicare’s 2027 overall rating for the plan’s contract.
| Insurer | Plan | Monthly premium | In-network max | Drug coverage | Stars |
|---|---|---|---|---|---|
| Aetna | Aetna Medicare Eagle (HMO) | $0 | $5,500 | No | 3 |
| Aetna | Aetna Medicare Elite (HMO) | $0 | $7,150 | Yes | 3 |
| ATRIO | ATRIO Choice Rx (PPO) | $0 | $5,900 | Yes | 2.5 |
| ATRIO | ATRIO Freedom (PPO) | $0 | $4,450 | No | 2.5 |
| Devoted Health | Devoted Core 001 OR (HMO) | $0 | $6,700 | Yes | 3 |
| Devoted Health | Devoted Giveback 028 OR (HMO) | $0 | $8,900 | Yes | 3 |
| Devoted Health | Devoted Giveback Extras 025 OR (HMO) | $0 | $7,700 | Yes | 3 |
| Devoted Health | Devoted Premium 005 OR (HMO) | $43 | $5,900 | Yes | 3 |
| Devoted Health | Devoted Choice Premium 002 OR (PPO) | $28.50 | $6,000 | Yes | 4.5 |
| Humana | Humana Total Complete (HMO) | $0 | $5,150 | Yes | 4.5 |
| Humana | Humana Essentials Plus Giveback (HMO) | $0 | $9,050 | Yes | 4.5 |
| Humana | Humana Value Choice (PPO) | $0 | $6,950 | Yes | 4 |
| Humana | HumanaChoice H5216-048 (PPO) | $97 | $7,000 | Yes | 4 |
| Humana | Humana USAA Honor Giveback (PPO), plan 455 | $0 | $5,100 | No | 4 |
| Humana | Humana USAA Honor Giveback (PPO), plan 427 | $0 | $9,150 | No | 4 |
| Kaiser Permanente | Senior Advantage Value (HMO-POS) | $0 | $6,750 | Yes | 4.5 |
| Kaiser Permanente | Senior Advantage Standard (HMO-POS) | $49 | $5,250 | Yes | 4.5 |
| Kaiser Permanente | Senior Advantage Enhanced (HMO-POS) | $134 | $4,000 | Yes | 4.5 |
| Regence | Regence MedAdvantage + Rx Primary (PPO) | $88 | $7,150 | Yes | 3.5 |
| Regence | Regence MedAdvantage + Rx Classic (PPO) | $130 | $6,700 | Yes | 3.5 |
| Regence | Regence MedAdvantage + Rx Enhanced (PPO) | $244 | $5,900 | Yes | 3.5 |
| Regence | Regence Valiance (PPO) | $0 | $5,300 | No | 3.5 |
| UnitedHealthcare | AARP Medicare Advantage Essentials from UHC OR-7 (HMO-POS) | $0 | $6,700 | Yes | 3.5 |
| UnitedHealthcare | AARP Medicare Advantage Extras from UHC OR-6 (HMO-POS) | $0 | $7,150 | Yes | 3.5 |
| UnitedHealthcare | AARP Medicare Advantage from UHC OR-0002 (PPO) | $0 | $7,150 | Yes | 4 |
| UnitedHealthcare | AARP Medicare Advantage from UHC OR-0001 (PPO) | $94 | $6,700 | Yes | 4 |
| UnitedHealthcare | AARP Medicare Advantage Patriot No Rx OR-MA01 (PPO) | $0 | $7,150 | No | 4 |
| Wellcare | Wellcare Low Premium Open (PPO) | $29 | $9,250 | Yes | 3 |
| Wellcare | Wellcare Low Premium (HMO-POS) | $44.50 | $7,900 | Yes | 3 |
| Wellcare | Wellcare Premium Enhanced Open (PPO) | $76.60 | $7,000 | Yes | 3 |
| Wellcare | Wellcare Premium Ultra Open (PPO) | $206 | $6,500 | Yes | 3 |
| Wellcare | Wellcare Patriot Giveback Open (PPO) | $0 | $6,750 | No | 3 |
Source: CMS 2027 Medicare Advantage Landscape file and CMS 2027 Star Ratings, released October 8, 2026. You still pay your Part B premium with any plan.
Seven of the 32 have no drug coverage. Those only make sense if you already have drug coverage that’s as good as Medicare’s, such as through the VA.
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.
Which Plans Work With Your Health System?
This is the Portland-specific catch. Here’s what each health system and insurer has published for 2027.
| If your doctors are at | What’s published for 2027 |
|---|---|
| Providence | UnitedHealthcare says Providence is out of network for its Medicare Advantage plans starting January 1, 2027. Providence’s Portland and Yamhill clinic list shows Devoted Health HMO plans (not the PPO), plus Regence PPO plans at its Canby, Molalla, and Wilsonville clinics only. |
| OHSU or Hillsboro Medical Center | OHSU says it won’t be in network for Regence Medicare Advantage plans starting January 1, 2027. ATRIO says OHSU is out of network for its Portland-area members. OHSU doesn’t publish a list of Medicare Advantage plans it accepts, so ask before you enroll. |
| Legacy Health | UnitedHealthcare says a new agreement keeps Legacy in its Medicare Advantage network. ATRIO says Legacy primary care providers are not in its network, except at Legacy Silverton. |
| Kaiser Permanente | Kaiser’s Senior Advantage plans use Kaiser’s own doctors and facilities. |
| The Portland Clinic | Says it will accept Devoted Health and Regence Medicare Advantage plans in 2027, and CareOregon Advantage Plus for existing patients. It says its primary care providers no longer take new patients with Original Medicare. |
| The Oregon Clinic | Its 2027 list includes Aetna, ATRIO, Devoted Health, Regence, and Wellcare. It says it no longer accepts UnitedHealthcare Medicare Advantage plans, and that it’s still negotiating with insurers through the end of the year. |
Three honest limits on that table:
- ✓It’s what’s published, not a guarantee. Contracts can change before January 1.
- ✓A system accepting an insurer doesn’t mean every plan. Notice how Providence takes Devoted’s HMO plans but not its PPO.
- ✓Call the doctor’s office with the exact plan name. It takes five minutes and it’s the only answer that counts.
Want the insurer-by-insurer view? See Oregon Medicare carriers.
If Your Plan Is Ending
Providence, PacificSource, and HealthSpring members in the Portland area all need a new plan for 2027.
- ✓Choose by December 7 and your new coverage starts January 1.
- ✓You get extra time. People whose plan is leaving have a special window from December 8, 2026 through February 28, 2027.
- ✓You may be able to buy a Medicare Supplement without health questions. That right comes with losing your plan, and it has a deadline.
The full walkthrough is here: what Providence members should do. The deadlines and Supplement rights work the same way for other ending plans. Weighing the two paths? Read Medicare Advantage vs Supplement.
Gresham and East County
Gresham, Troutdale, Fairview, and Wood Village are all in Multnomah County, so every plan in the table above is available to you.
Multnomah County’s Medicare counselors hold enrollment help sessions close to home during Open Enrollment. They’re by appointment only: call 503-988-3646 and choose option 3.
| Location | 2026 dates |
|---|---|
| East County Library, Gresham | Thursday, October 22 and Friday, November 20 |
| Midland Library, 805 SE 122nd Ave | Monday, October 19 and Monday, November 16 |
| Holgate Library, 7905 SE Holgate Blvd | Monday, November 9 |
More local detail is on the Gresham guide.
Health Insurance in Portland for 2027
If you buy your own health insurance, 2027 brings four changes at once.
- 1
Fewer insurers. Providence and PacificSource are leaving Oregon’s individual market. Portland-area counties still have all four that remain: BridgeSpan, Kaiser Permanente, Moda, and Regence.
- 2
Higher prices. The state approved an average increase of 21.6%.
- 3
A new website. Oregon is moving from HealthCare.gov to its own Marketplace, Explore Health, at ExploreHealthOR.gov. Enrollment starts November 1, 2026.
- 4
A different deadline. Enroll by December 31, 2026 for coverage that starts January 1. Open enrollment ends January 15, 2027.
Here’s what the state’s final rates look like for a 40-year-old in Portland on a Silver plan, at full price before any help paying:
| Insurer | Monthly premium | Average approved increase |
|---|---|---|
| Kaiser Permanente | $599 | 15.8% |
| Moda | $706 | 27% |
| Regence BlueCross BlueShield | $708 | 20.3% |
| BridgeSpan | $734 | 19.3% |
Source: Oregon Division of Financial Regulation, final 2027 rates.
Networks matter here too. A few things Portland shoppers should know:
- ✓OHSU says it won’t be in network for Regence individual plans starting January 1, 2027.
- ✓Providence’s clinic list shows two individual-market options beginning January 1, 2027: Moda’s Pathways plans and Regence’s PROV marketplace plans.
- ✓Kaiser plans use Kaiser’s own doctors and facilities.
Had a Providence or PacificSource plan through the Marketplace? The state matched you with a plan from another insurer, and you may be re-enrolled in it automatically. Check its network and price before you accept it.
The silver lining? Many people qualify for help paying, and comparing carefully matters more than ever this year. Learn more about health insurance in Oregon, the Oregon Marketplace, and coverage for the self-employed.
Oregon’s Marketplace, Explore Health, is where you apply, see what help you qualify for, and compare plans for 2027.
Want free local help? Oregon’s Marketplace lists free local helpers here: healthcare.oregon.gov/Pages/find-help.aspx
Do You Need a Health Insurance Broker in Portland?
You don’t have to use one. You can enroll on your own through Oregon’s Marketplace or Medicare.gov.
If you want help, Oregon’s Marketplace offers two kinds, and both are free to you:
- ✓Assisters work for community organizations. They help you apply and enroll, but they can’t recommend a specific plan.
- ✓Insurance agents are licensed. Oregon’s Marketplace says only insurance agents can recommend which plan might suit you best. It also notes that agents may be paid by insurance companies, so it’s fair to ask.
Find either one at healthcare.oregon.gov/Pages/find-help.aspx.
Life Insurance in Portland
Whether you’re protecting a Portland mortgage, your kids, or your final expenses, the right policy depends on what you need it to do. Start with life insurance in Oregon, compare term vs whole life, or run your numbers with the life insurance calculator.
Free Local Help
You don’t have to sort this out alone, and you don’t have to pay anyone. These are the official helplines.
| Who | What they help with | Phone |
|---|---|---|
| Multnomah County SHIBA | Medicare counseling and enrollment appointments | 503-988-3646, option 3 |
| Washington County SHIBA | Medicare counseling | 503-846-3094 |
| Clackamas County SHIBA | Medicare counseling, Monday through Thursday | 503-655-8269, option 4 |
| Oregon SHIBA (statewide) | Medicare counseling | 800-722-4134 |
| Medicare | Plan questions, 24 hours a day | 1-800-MEDICARE (1-800-633-4227) |
| Explore Health | Marketplace health insurance | 855-268-3767 |
Washington County also runs walk-in Medicare help during Open Enrollment, October 15 to December 7:
- ✓Fridays, 10 a.m. to 3 p.m., at Disability, Aging and Veteran Services, 5240 NE Elam Young Pkwy, Hillsboro
- ✓Wednesdays, noon to 2 p.m., at Hillsboro Senior Center, 750 SE 8th Ave
There are no sessions November 11, 26, or 27.
FAQs
How many Medicare Advantage plans are in Portland for 2027?
Multnomah, Washington, and Clackamas counties each have 32 plans from 8 insurers, not counting special needs plans. That's down from 43 plans in 2026.
Which Medicare Advantage plans take Providence in Portland?
As of Providence's published list, Devoted Health HMO plans, plus Regence PPO plans at three clinics only. UnitedHealthcare says Providence leaves its Medicare Advantage network on January 1, 2027. Confirm with the plan before you enroll.
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 plans starting January 1, 2027.
Does Legacy take UnitedHealthcare Medicare Advantage?
UnitedHealthcare says yes. It announced a new agreement with Legacy Health on September 30, 2026 that covers its Medicare Advantage plans.
Which Portland Medicare Advantage plans have the highest star ratings?
For 2027, Kaiser Permanente's three plans, Humana's two HMO plans, and Devoted Health's PPO plan are on contracts rated 4.5 stars overall.
Is there a $0 Medicare Advantage plan in Portland?
Yes. Twelve of the 32 plans have a $0 premium and include drug coverage. You still pay your Part B premium.
What happens to my Providence plan?
Providence Medicare Advantage plans end December 31, 2026, and Providence is leaving the individual health market too. Either way, you need a new plan for 2027.
Do I need to go through a broker for health insurance?
No. You can enroll yourself through Oregon's Marketplace. An insurance agent or an assister is free, optional help.
Does it cost more to use a health insurance broker?
Oregon's Marketplace says help from insurance agents and assisters is free to you. It notes that agents may be paid by insurance companies.
What's the best health insurance company in Oregon?
It depends on your doctors, prescriptions, and budget. For 2027, Portland-area individual plans come from BridgeSpan, Kaiser Permanente, Moda, and Regence.
Where can I get free Medicare help in Portland?
Call your county's SHIBA line: Multnomah at 503-988-3646 (option 3), Washington at 503-846-3094, or Clackamas at 503-655-8269 (option 4). Counselors are free and don't sell insurance.
How We Got These Numbers
Medicare Advantage plans, premiums, and out-of-pocket maximums come from the CMS 2026 and 2027 Landscape files. Star ratings come from the CMS 2027 Star Ratings released October 8, 2026. Health insurance rates come from the Oregon Division of Financial Regulation. Network details come from each health system’s or insurer’s own notice. Local help details come from each county’s website.
- 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, Medicare Advantage state and county penetration, September 2026
- 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
- The Portland Clinic, Medicare information
- The Oregon Clinic, 2027 insurance updates
- Oregon Division of Financial Regulation, 2027 rate and county coverage
- Explore Health, key dates
- Explore Health, get help
- Explore Health, automatic re-enrollment and plan matching
- Multnomah County, SHIBA program
- Washington County, Medicare help
- Clackamas County, SHIBA counseling
- Oregon SHIBA
- Oregon Blue Book, city and county listings
