Updated July 2, 2026
Oregon gives Medigap enrollees an additional layer of protection beyond the federal standard. Plan G premiums here run around $162 per month.
How Is a Medigap Premium Calculated in Oregon
Under Oregon Insurance Division rules, beneficiaries have a guaranteed-issue window of 6 months once per year during which they can switch Medigap plans without going through medical underwriting. This goes further than the federal one-time enrollment window. In practice, it means Oregon residents are not permanently locked into a plan that no longer fits: you can move to a different carrier or plan letter each year if there is a better option. The benefits within any given plan letter remain identical across carriers, so when you compare, you are comparing price alone. The Medigap cost calculator estimates Oregon premiums by age, and the plan comparison page explains what each letter covers.
Enrolling in Oregon
The federal 6-month open enrollment window triggered by your Part B start date still applies and still carries the strongest protections. Oregon's annual switching window is separate and comes every year after that. Find your original enrollment window dates with the open enrollment calculator. Before settling on Medigap, the Medigap vs Advantage calculator can help you weigh the two approaches.
Related Calculators
FAQs
How much does Medigap Plan G cost in Oregon?
Plan G premiums in Oregon run around $162 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Do all Plan G policies in Oregon cover the same things?
Yes. Federal law standardizes the benefits inside every Plan G, so a policy sold in Oregon covers exactly the same services no matter which carrier issues it. Only the premium and the rating method differ from one Oregon carrier to the next.