Medicare Supplement Insurance (Medigap) helps Oregon seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. Oregon residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Oregon
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 99,771 |
| 2 | F | 67,400 |
| 3 | N | 18,069 |
Did you know? Oregon is one of the states where Plan G has surged far ahead of Plan F, with nearly 100,000 enrollees. This shift shows how quickly new beneficiaries are choosing Plan G after Plan F closed to newcomers in 2020. Oregon also protects disabled beneficiaries by requiring insurers to offer all Medigap plans at the same rates charged to age-65 enrollees.
How Medigap Pricing Works in Oregon
Premiums for Medigap coverage may rise differently depending on the pricing method insurers use. In Oregon, policies may follow one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in Oregon
Oregon law requires insurers to offer all Medigap plans to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). Premiums for these beneficiaries must match the rates charged to 65-year-old enrollees, making Oregon one of the most consumer-friendly states for under-65 access.
Choosing a Medigap Plan in Oregon
Plan G is the most popular Medigap choice in Oregon, offering nearly comprehensive coverage with lower premiums than Plan F. Plan N has also gained traction as a cost-conscious option with modest copayments. All Medigap policies are accepted nationwide at providers that take Medicare, ensuring Oregon residents have coverage whether they receive care in Portland, Eugene, Bend, or across the country.
To compare premiums and explore plan options in your ZIP code, visit our Medigap rate comparison page.