Lake Oswego, Oregon: health insurance
Lake Oswego is in Clackamas County. Here is what Lake Oswego residents should know about coverage.
Coverage in Lake Oswego
Lake Oswego has about 39,924 residents (U.S. Census Bureau 2023 estimate).
Plans for Lake Oswego residents are determined by Clackamas County, home to about 423,173 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Clackamas County before you choose it.
- Turning 65 in Lake Oswego? Your Initial Enrollment Period runs seven months around your birthday. Oregon SHIBA (Senior Health Insurance Benefits Assistance) offers free counseling at 800-722-4134.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace) -- transitioning to Explore Health November 1, 2026.
- Medicaid questions? Oregon Health Plan (Oregon Health Authority) handles applications.
Oregon note: Oregon is in the middle of a marketplace transition: a 2023 state law required the Oregon Health Authority to stand up its own exchange, and the new Explore Health site received federal approval and is scheduled to replace HealthCare.gov for Oregon starting November 1, 2026 -- worth double-checking which site is current if you're reading this after that date.
Medicare plans leaving Clackamas County for 2027
Medicare plans are set by county, so this applies to residents of this city. 22 plans are listed in Clackamas County for 2026 but not for 2027, covering at least 21,706 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Providence Medicare Prime + Rx (HMO) H9047-037 | Providence St Joseph Health | 7,809 |
| AARP Medicare Advantage Essentials from UHC OR-4 (HMO-POS) H3805-039 | UnitedHealthcare | 6,240 |
| Providence Medicare Extra + Rx (HMO) H9047-064 | Providence St Joseph Health | 2,065 |
| Aetna Medicare Signature (PPO) H5521-492 | Aetna (CVS Health) | 1,448 |
| AARP Medicare Advantage from UHC OR-0003 (HMO-POS) H3805-001 | UnitedHealthcare | 1,391 |
| Providence Medicare Dual Plus (HMO D-SNP) H9047-043 | Providence St Joseph Health | 768 |
See all 22 plans leaving Clackamas County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Lake Oswego
Oregon public institutions include University of Oregon, Oregon State University, Portland State University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Oregon colleges.
Do Lake Oswego and Clackamas County have the same plans?
Plans are offered by service area, and Lake Oswego falls under Clackamas County. A plan that serves Clackamas County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Lake Oswego residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major Oregon cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.