By the Kryder Cares data team · Reviewed by Kris Kryder, licensed agent · Last updated
Oregon by the numbers: an older city than the county around it
Oregon is a city of 19,799 people on the east side of the Maumee River’s mouth, in Lucas County. Its median age, 45.1, is more than six years above the county’s 38.5, and 22.7% of residents (about 4,487 people) are 65 or older, against 17.6% countywide. For Oregon households, that makes Medicare, Medigap and Part D choices a regular kitchen-table topic, not a once-in-a-lifetime one.
Incomes are higher than the county’s and the uninsured rate is lower, so many Oregon households have had employer coverage for years. The move to Medicare is often their first time choosing between plan types, and an extra year of work coverage after 65 changes the timing of Part B and Part D. Kris checks the dates with you so a late enrollment penalty does not catch you out.
| Measure | Oregon city | Lucas County |
|---|---|---|
| Population | 19,799 | 428,018 |
| Median age | 45.1 | 38.5 |
| Residents 65 and older | 4,487 (22.7%) | 75,209 (17.6%) |
| Median household income | $82,197 | $62,224 |
| Share without health insurance | 3.3% | 4.9% |
Source: U.S. Census Bureau, ACS 5-year estimates 2020 to 2024 (place 3958730 and county 39095), pulled November 5, 2026: profile DP05 (age), table B19013 (income), B01003 (population) and S2701 (insurance).
Oregon’s health profile, and why plan details matter here
CDC estimates show Oregon adults with slightly higher rates than Lucas County adults for arthritis, high cholesterol, diabetes and COPD, by 0.5 to 1.9 percentage points. High blood pressure is a little lower and coronary heart disease is level with the county. Among residents 65 and older, 13.3% have lost all of their teeth, a lower share than the county’s 17.0%.
These are model-based estimates, so read them as a direction, not a diagnosis. They still point to the plan details worth checking first: the specialists you see, how your maintenance drugs are covered, and what dental coverage a plan really includes (many Medicare Advantage dental benefits have yearly dollar limits and their own networks). A $0 premium plan can still cost more over a year if your cardiologist is out of network or your drug sits on a high tier. See whether your dentist takes a plan’s dental benefit.
| Condition | Oregon | Lucas County |
|---|---|---|
| Arthritis | 32.2% | 30.6% |
| High blood pressure | 36.1% | 37.2% |
| High cholesterol (among adults screened) | 37.7% | 35.8% |
| Diabetes | 12.7% | 12.2% |
| Coronary heart disease | 7.5% | 7.5% |
| COPD | 8.2% | 7.6% |
| All teeth lost (adults 65 and older, 2022) | 13.3% | 17.0% |
Source: CDC PLACES place data, 2025 release (Oregon) and the CDC PLACES county data used on the Lucas County guide, retrieved November 5, 2026 and October 8, 2026.
2027 Lucas County plans rated 4 stars or higher with the lowest out-of-pocket limits
Medicare Advantage plans are approved county by county, so Oregon residents see the Lucas County list. For 2027, the CMS files show 58 Medicare Advantage plans in Lucas County not counting Special Needs Plans (47 of them with drug coverage, 45 with a $0 Part C premium), plus 29 Special Needs Plans, the same counts as the Lucas County Medicare guide.
With an older-than-average population, a lower out-of-pocket maximum (MOOP, the most you pay for covered care in a year) can matter more than a $0 premium. These eight plans have the lowest MOOPs among 2027 Lucas County plans with drug coverage and a CMS rating of 4 stars or higher (Special Needs Plans left out). This is a starting list, not a recommendation; Kris checks your doctors and drugs against each one.
| Plan | Type | 2027 monthly premium | 2027 MOOP | 2027 Part D deductible | CMS rating (2026 ratings) |
|---|---|---|---|---|---|
| MedMutual Advantage Premium (PPO) | PPO | $168 | $3,600 | $55 | 4.5 stars |
| SummaCare Medicare Sapphire (HMO-POS) | HMO-POS | $85 | $3,800 | $100 | 4.5 stars |
| MedMutual Advantage Elite Enhanced (HMO-POS) | HMO-POS | $75 | $4,000 | $55 | 4 stars |
| SummaCare Medicare Ruby (HMO) | HMO | $55 | $4,200 | $200 | 4.5 stars |
| AARP Medicare Advantage from UHC OH-0001 (HMO-POS) | HMO-POS | $85 | $4,200 | $505 | 4 stars |
| MedMutual Advantage Elite Prime (HMO-POS) | HMO-POS | $35 | $4,450 | $250 | 4 stars |
| AARP Medicare Advantage Essentials from UHC OH-6 (HMO-POS) | HMO-POS | $42 | $4,450 | $685 | 4 stars |
| SummaCare Medicare Topaz (HMO) | HMO | $17 | $4,650 | $365 | 4.5 stars |
Source: CMS CY2027 Medicare Advantage landscape, Lucas County, Ohio (premium, MOOP, Part D deductible), with CMS star ratings as loaded in the county snapshot of October 8, 2026 (2026 ratings; the 2027 ratings released October 8 are not in this table yet). Kryder Cares does not represent every plan listed. Every year, Medicare evaluates plans based on a 5-star rating system.
- 4.5 stars 15 plans
- 4 stars 25 plans
- 3.5 stars 15 plans
- 2.5 stars 2 plans
- Not rated 1 plans
Of 58 plans, 40 are rated 4 stars or higher. A rating describes the plan’s contract, not your doctors or drugs.
Source: CMS Part C and D performance data, county snapshot of October 8, 2026. Every year, Medicare evaluates plans based on a 5-star rating system.
Medicare Advantage or a Medicare Supplement in Oregon?
A lot of people think a Medicare Advantage plan is a Medicare Supplement. It isn’t. Medicare Advantage replaces Original Medicare with a private plan that has a network, a yearly MOOP and usually drug coverage. A Medicare Supplement (Medigap) sits on top of Original Medicare, works with any provider that accepts Medicare, and needs a separate Part D drug plan.
Medigap premiums are usually higher, but the cost of care is more predictable. The best time to buy one is your Medigap Open Enrollment Period, the 6 months starting when you are 65 and enrolled in Part B; after that, you may have to answer health questions (there are exceptions). Our Medigap vs Medicare Advantage guide for Ohio walks through the trade-offs, and Kris compares both with your own doctors.
2027 plan changes that reach Oregon
Some Oregon residents are getting letters right now. In Lucas County, 29 plans sold in 2026 are ending or leaving the county for 2027, and CMS lists MediGold, Paramount Elite Medicare Plans and UnitedHealthcare Community Plan among the carriers leaving the county. If you are in one of them, read what MediGold members should do, the short answer on Paramount Elite plans, or what to do when you get a plan-ending letter.
The Annual Enrollment Period runs October 15 to December 7, 2026, and anything you choose starts January 1, 2027. The full plan-by-plan list for the county is on the Lucas County Medicare guide.
Doctors and hospitals near Oregon
Oregon has two hospitals inside the city, Mercy Health St. Charles Hospital and ProMedica Bay Park Hospital, with the larger Toledo hospitals a short drive west. Which of them is in your plan’s network depends on the plan and can change each year, so the hospital you would choose in an emergency belongs on your checklist, next to your primary doctor and every specialist.
Kris checks each name against each plan before you enroll. If your doctors matter more than the premium, a PPO or a Medicare Supplement may fit better than an HMO; she shows you the trade-off side by side. Our guide to checking doctors and drugs lists exactly what to bring.
Under 65 in Oregon: Marketplace and life coverage
If you retire before 65 or leave a job with coverage, a Marketplace plan can bridge the gap. Open Enrollment on the federal marketplace for 2027 runs November 1, 2026 to January 15, 2027; enroll by December 15 for a January 1 start. Kris enrolls you on the federal marketplace at no cost and compares ACA plans with your doctors in mind.
She also helps Oregon families with life insurance and small final expense policies, so a funeral bill does not land on the kids.
How Kris works with Oregon clients
Kris has run Kryder Cares since 2017, and the Perrysburg office on W South Boundary Street is about 20 minutes from Oregon. Meet there, by phone or video, or ask Kris to come to your home. She checks each of your doctors and drugs against the plans she represents, explains the trade-offs in plain terms, and fills out the application with you.
In her own words from her original website, she “will answer your questions and clarify the insurance options you have” and “help you avoid common misconceptions and late enrollment penalties.” Her clients’ Google reviews (5.0 stars from 91 reviews when we read them on October 25, 2026) describe that work.
Hospitals and health systems near Oregon
Before choosing a plan, Kris checks that the hospitals and doctors you use are in network. Hospitals residents commonly use include:
- Mercy Health St. Charles Hospital (Oregon)
- ProMedica Bay Park Hospital (Oregon)
- ProMedica Toledo Hospital (Toledo)
Network participation differs by plan and changes yearly — always confirm before you enroll.
Helpful resources for Oregon residents
Also serving communities near Oregon
- Toledo
- Northwood
- Millbury
- Maumee
- Rossford
Visit the Perrysburg office
842 W South Boundary St, Perrysburg, OH 43551 · Monday–Friday, 9:00 AM – 5:00 PM. Call (419) 277-8097 to set a time.
Sources
- U.S. Census Bureau, American Community Survey 5-year estimates 2020 to 2024, profile DP05 (Oregon city and Lucas County, Ohio)
- U.S. Census Bureau, American Community Survey 5-year estimates 2020 to 2024, table B19013 (Oregon city and Lucas County, Ohio)
- CDC PLACES: Place Data, 2025 release (Oregon, Ohio)
- CMS Medicare Advantage and Part D Landscape, Contract Year 2027 (zip)
- CMS Part C and D performance data (Star Ratings data tables)
We do not offer every plan available in your area. Currently we represent 14 organizations which offer 119 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at www.medicare.gov.