Your Medicare Advantage plan is leaving Clark County. Start here.

Two of every three. That's how many Clark County Medicare enrollees were in Medicare Advantage and other health plans in July 2026: 72,878 out of 108,542, or 67% (CMS counts, July 2026). Statewide the figure is just under 50%.

Here is the short version. The plan that sent you a non-renewal letter still covers you through December 31, 2026. If you pick replacement coverage by that date, it begins January 1, 2027. The rest of this page is about the parts that are specific to living in Clark County.

Clark County's Medicare numbers

Source: CMS Medicare Monthly Enrollment, July 2026 (data.cms.gov). Counts are people, not plans.

Three things jump out. First, Clark leans on Medicare Advantage and other health plans about 17 points more than the state as a whole. Second, 70,297 people here get their drug coverage bundled inside a Medicare Advantage plan. When that kind of plan ends, the drug coverage ends with it. Third, 14,225 residents have both Medicare and Apple Health, roughly 13% of everyone on Medicare in the county. Those folks have a few extra rules working in their favor, covered below.

For scale: OFM puts the county at 550,000 people as of April 1, 2026, and counted 99,403 residents aged 65 or older in 2025, about 18% of the population.

If your drugs came through the plan

If you're in that 70,297 group, your pharmacy benefit lives inside the plan that is leaving, so it stops on the same night: December 31. What happens next depends on the road you take.

• You join a different Medicare Advantage plan with drug coverage. The new plan handles your prescriptions from January 1. Run every prescription through Medicare Plan Finder before you choose, because drug lists and pharmacy networks differ.
• You go to Original Medicare. Parts A and B do not cover most outpatient prescriptions. You would need to add a stand-alone Part D plan yourself. Medicare won't do that on your behalf, Extra Help members aside.
• You do nothing. Medicare places you in Original Medicare on January 1 with no drug plan. A run of 63-plus days without creditable drug coverage can saddle you with a Part D late penalty that is added for as long as you have Medicare drug coverage.

For 2027, no Part D plan can charge a deductible above $700, and out-of-pocket spending on covered drugs is capped at $2,400 for the year. Those are federal limits, not plan quotes.

Doctors on the Oregon side

Clark County shares a border with Multnomah and Columbia counties in Oregon, and Portland is just across the river. If you see a specialist there, that matters more than usual right now. Original Medicare works with any Medicare-participating provider nationwide, so the Columbia River is irrelevant to it. A Medicare Advantage plan usually works through a network, and the service area and network are set plan by plan. If you are comparing replacement plans, ask each one directly whether your Oregon doctors and hospital are in network for 2027. Do not assume a plan that covers Vancouver covers Portland.

On the Washington side, the hospitals in the county per state and CMS records are PeaceHealth Southwest Medical Center and Legacy Salmon Creek Medical Center (both acute care, both in Vancouver) and Rainier Springs, a psychiatric hospital also in Vancouver. Even from the county's northern towns, those two Vancouver acute-care hospitals are the in-county options, which makes checking them against any new network the first thing to confirm.

The dates for a December 31 plan end

• Now through December 7, 2026: Medicare Open Enrollment. A change made now starts January 1.
• December 8, 2026 to February 28, 2027: your special enrollment period because the plan is ending. Choose in December and coverage starts January 1; in January, February 1; in February, March 1.
• December 31, 2026: last day of the old plan. Treat it as your real deadline.
• March 4, 2027: last day of the Medigap guaranteed issue window (63 days after the plan ends).

The statewide guide to a discontinued Medicare plan in Washington lays out every date, the comparison between the two roads, and the PEBB and under-65 rules in more detail.

The Medigap door, briefly

Because your plan is leaving, Washington law (RCW 48.66.055) lets you buy certain Medicare Supplement policies without answering health questions, provided Original Medicare is where you land. Washington's list is wider than the federal minimum: people first eligible before 2020 can claim Plans A through F (including high-deductible F), K or L, while people first eligible on or after January 1, 2020 can claim A, B, D, G (including high-deductible G), K or L. OIC says apply no earlier than November 1. Coverage can't start until the old plan ends, and the guaranteed right closes March 4, 2027, so give yourself time.

If you also have Apple Health

Two points for the 14,225 dual-eligible residents. If you get Extra Help and your Medicare Advantage plan is ending, CMS reassigns you to a stand-alone Part D plan unless you already have Part D lined up for 2027, so you are not left without drugs. And with Medicaid or Extra Help you can change to a different stand-alone drug plan once a calendar month. If money is tight and you don't have Apple Health yet, the Health Care Authority's Medicare Savings Programs have no asset test; apply at washingtonconnection.org.

Help inside Clark County

The local SHIBA sponsor is the Area Agency on Aging & Disabilities of Southwest Washington, 201 NE 73rd St. in Vancouver, which serves Clark, Cowlitz, Klickitat, Skamania and Wahkiakum counties. Be aware that when I checked OIC's local SHIBA listings on October 26, 2026, they said: "Currently not accepting appointments. For assistance, call Medicare at 1-800-633-4227." Call before you drive over. The statewide SHIBA line, 800-562-6900 (8:30 a.m. to 4:30 p.m. weekdays), was still listed, and 1-800-MEDICARE answers 24 hours a day, 7 days a week except some federal holidays.

For broader aging and disability questions, the same agency's Community Living Connections line is 360-694-8144 (or 888-637-6060).

Getting to a new doctor is its own problem. C-TRAN's Honored fare covers riders 65 and older and Medicare recipients with valid ID; a local ride costs 75 cents in 2026. C-VAN paratransit serves riders whose disability keeps them off fixed-route buses, after approval (call 360-695-8918 to check whether your address is in its area). In Battle Ground, Camas/Washougal and Ridgefield/La Center, C-TRAN's on-demand service The Current fills in where buses don't run.

City pages for this county: Vancouver, Battle Ground, Camas, Ridgefield and Washougal.

Federal Medicare law and Washington statute set the ground rules on this page; the notice your plan mailed you sets your personal dates, so run your situation past 1-800-MEDICARE, SHIBA or a licensed agent before acting on it.

Related pages: Washington statewide guide · Battle Ground · Camas · Ridgefield · Vancouver · Washougal

Clark County questions

Sources

1. CMS Medicare Monthly Enrollment, July 2026 (data.cms.gov)
2. WA OIC: Is your Medicare Advantage plan changing or leaving?
3. WA OIC: Find a local SHIBA office
4. CMS CY2027 MA and Part D Enrollment and Disenrollment Guidance
5. Medicare.gov: Part D costs
6. RCW 48.66.055
7. WA OFM April 1 population estimates
8. CMS Hospital General Information
9. C-TRAN fares and ID cards
10. C-TRAN paratransit (C-VAN)
11. WA HCA: Medicare Savings Program