Best Medicare Supplement Plans in Oregon 2026
Oregon has over 200,000+ Medigap enrollees. Plan G starts at $185/mo in Portland and averages $224/mo statewide. Oregon was one of the first states to enact a birthday rule in 2009, giving enrollees an annual window to switch carriers or downgrade to a lesser plan without underwriting. We compared 15+ carriers to find the best coverage in the Beaver State.
Oregon Birthday Rule: Switch or Downgrade Medigap Every Year Without Underwriting
Oregon has had a Medigap birthday rule since 2009, making it one of the original birthday rule states. Each year, you get a 30-day window starting on your birthday to switch to any carrier offering the same or a lesser plan letter without answering health questions. Unlike Virginia, Oregon allows you to downgrade to a lesser plan (for example, from Plan G to Plan N) during your birthday window. This gives Oregon seniors more flexibility than most other birthday rule states.
More than 200,000 Oregonians have Medicare Supplement Insurance, also called Medigap. Oregon follows standard federal Medigap rules, offering plans A through N with one major state-specific advantage: the birthday rule. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($257 in 2026).
USAA offers the lowest Plan G in Oregon at $151/mo (military members and families only). For civilians, Mutual of Omaha offers Plan G at $170/mo with an A+ AM Best rating. Regence Blue Cross Blue Shield of Oregon is the dominant local carrier with the largest provider network in the state. Transamerica is the only carrier offering all 10 standardized plan types with issue-age pricing.
Oregon's birthday rule means you can shop for a better rate every year. Use your 30-day window each birthday to compare carriers and switch if you find a lower premium on the same or a lesser plan letter.
Compare the Best Medicare Supplement Plans in Oregon
Our top-rated Medigap carriers in Oregon, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Portland. Rates in Eugene, Salem, and rural Oregon may vary slightly.
Moda Health
Plan G
$185/mo
Plan N
N/A/mo
AM Best
A-
Moda Health is Oregon's dominant regional insurer and offers the lowest Plan G in the state at $185/mo, which is $39 below the state average. With a strong provider network across Oregon and Washington, Moda is the best price-first choice for Oregon seniors.
State Farm
Plan G
$187/mo
Plan N
$145/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and has local agents across Portland, Eugene, Salem, and rural Oregon. Its Plan G at $187/mo is nearly as low as Moda Health while offering the highest financial strength in the Oregon market.
USAA
Plan G
$188/mo
Plan N
$155/mo
AM Best
A++
USAA offers an A++ AM Best rating and the lowest Plan F in Oregon at $197/mo. Available only to military members and their families, USAA combines top financial strength with competitive Plan G and Plan N pricing.
Everence Association
Plan G
$195/mo
Plan N
$128/mo
AM Best
A-
Everence Association offers the lowest Plan N in Oregon at $128/mo and uses issue-age pricing, which locks in your rate at enrollment. For Oregon seniors who want the lowest Plan N and long-term rate stability, Everence is the top choice.
Transamerica
Plan G
$221/mo
Plan N
N/A/mo
AM Best
A
Transamerica is the only Oregon carrier offering all 10 standardized Medigap plan types, including the rarely available Plans K, L, and M. Its issue-age pricing and lowest Plan M at $180/mo make it a strong long-term value for Oregon seniors who want rate stability.
Medicare Supplement Prices in Oregon
Sample monthly premiums from top carriers in Portland for a 65-year-old female nonsmoker. Rates may include available household discounts. Oregon uses attained-age rating for most carriers, so premiums will increase as you age.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Moda Health | $185 | N/A | N/A |
| State Farm | $187 | $145 | $240 |
| USAA* | $188 | $155 | $197 |
| Everence Association | $195 | $128 | N/A |
| AARP / UnitedHealthcare | $203 | $159 | $244 |
| Bankers Life | $207 | $143 | $237 |
| United American | $214 | N/A | N/A |
| Transamerica | $221 | N/A | N/A |
| State Average | $224 | $165 | $288 |
*USAA is only available to military members, veterans, and eligible family members. Lowest Plan G for the general public: $170/mo (Mutual of Omaha). Source: Oregon Insurance Division, FairSquare Medicare, MoneyGeek, May 2026.
Plan G vs. Plan N in Oregon
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Oregon. Oregon's birthday rule lets you switch between them each year without underwriting, as long as you are switching to an equal or lesser plan.
| Benefit | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,676) | Covered | Covered |
| Part B deductible ($257) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Birthday rule: can switch to | Plan G or lesser | Plan N or lesser |
| Avg. monthly premium (Portland) | $170-$198 | $107-$145 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Oregon allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment. Oregon's birthday rule lets you switch from Plan G to Plan N (a lesser plan) during your 30-day birthday window each year.
Oregon's birthday rule is one of the most flexible in the country because it lets you downgrade to a lesser plan. Start with Plan G for comprehensive coverage, then use your birthday window each year to shop for a lower rate on Plan G. If your health stays good and you want to lower your premium, you can even downgrade to Plan N during your birthday window without underwriting. Mutual of Omaha at $170/mo is the best overall value for civilians: A+ rated, low complaint ratio, and a 7% household discount. If you or your spouse served in the military, USAA at $151/mo with an A++ rating is the clear winner. Use Oregon's birthday rule every year to make sure you are getting the best rate available.
Oregon Medigap Rules You Should Know
Birthday Rule: 63-Day Annual Switching Window
Oregon's birthday rule gives you a 63-day window starting on your birthday each year to switch to an equal or lesser Medigap plan without medical underwriting. For example, you can switch from Plan G to Plan N without answering health questions. This is a powerful consumer protection unique to Oregon.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions. This is the best time to enroll.
Under-65 Coverage Not Required
Oregon does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 (such as those with disabilities). If you are under 65 and on Medicare, you may have difficulty finding Medigap coverage in Oregon. Some carriers offer it voluntarily at higher rates.
Attained-Age Rating Dominates
Most Oregon Medigap carriers use attained-age rating, meaning your premium increases as you get older. Transamerica and Everence Association use issue-age rating where your premium is locked at the rate for your age when you enroll. Issue-age plans often start higher but can be cheaper over the long term.
Excess Charges Are Allowed in Oregon
Oregon does not ban Medicare excess charges. Providers who do not accept Medicare assignment can charge up to 15% more than the Medicare-approved amount. Plan G covers these excess charges; Plan N does not. If your doctors do not accept Medicare assignment, Plan G is the safer choice.
Free Help via Oregon SHIBA
Oregon SHIBA (Senior Health Insurance Benefits Assistance) provides free, unbiased Medicare counseling through state-trained volunteers. Contact your local SHIBA office or the Oregon Department of Consumer and Business Services (dfr.oregon.gov) for a referral. Counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Oregon market average
Plan Availability
Number of plan types offered in Oregon
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Oregon Insurance Division, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Oregon ZIP Code
Oregon's birthday rule means you can shop for a better rate every year. Plan G starts at $151/mo for military members and $170/mo for civilians in Portland. Compare all available carriers in your area before enrolling or at your next birthday window.