Oregon · 2026 plan year
Medicare Advantage HMO plans in Oregon
There are 63 Medicare Advantage HMO plans in Oregon from 16 carriers, averaging 3.56 out of 5 stars across the 60 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
63
HMO plans
16
Carriers
26
Counties covered
3.6
Avg stars (60 of 63 rated)
$7,062
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Oregon HMO plans rank 42nd of 49 on star rating.
Across the 60 rated plans here the average overall rating is 3.56 stars, 42nd highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated HMO plans in Oregon
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Humana Gold Plus H1036-153 (HMO)Humana | 4.5★ | $4,750 | $0 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana · Chronic or Disabling Condition SNP | 4.5★ | $5,500 | $0 |
| Humana Gold Plus Giveback H1036-323 (HMO)Humana | 4.5★ | $8,800 | $0 |
| Kaiser Permanente Senior Advantage Enhanced (HMO-POS)Kaiser Permanente | 4★ | $3,500 | $119 |
| Providence Medicare Extra Part B Only + Rx (HMO)Providence Medicare Advantage Plans | 4★ | $4,000 | — |
Showing 5 of 63. See all OregonMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Providence Medicare Advantage PlansProvidence St Joseph Health | 11 | 4.0 | 1 |
| PacificSource MedicarePacificSource | 9 | 3.5 | 2 |
| UnitedHealthcareUnitedHealth Group, Inc. | 8 | 3.5 | 1 |
| Devoted HealthDevoted Health, Inc. | 6 | 3.5 | 1 |
| Kaiser PermanenteKaiser Foundation Health Plan, Inc. | 6 | 4.0 | — |
| HumanaHumana Inc. | 4 | 4.5 | 2 |
| AgeRight AdvantageMarquis Companies I, Inc. | 3 | — | 3 |
| ATRIO Health Plans | 3 | 2.2 | 2 |
| Wellcare By Health NetCentene Corporation | 3 | 3.0 | — |
| Wellcare By TrilliumCentene Corporation | 3 | 3.0 | 3 |
| Aetna MedicareCVS Health Corporation | 2 | 3.0 | — |
| AllCare AdvantageAllCare Health, Inc. | 1 | 2.5 | 1 |
Other plan types in Oregon
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Oregon Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Oregon?
Of the Oregon HMO plans with a published premium, 72% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $7,062 across these plans.
What are the star ratings for Oregon HMO plans?
The 60 rated HMO plans in Oregon average 3.56 out of 5 stars, with 22 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Oregon?
There are 63 HMO plans from 16 carriers, sold across 26 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 18 of them are Special Needs Plans with extra eligibility rules (see below).
Do Oregon HMO plans include prescription drug coverage?
63 of the 63 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Oregon?
18 of the 63 HMO plans in Oregon are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
Simplivera models your actual annual costs across Oregon Medicare Advantage plans.
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