Grays Harbor County is in the Olympic Peninsula, Hood Canal and the southwest Pacific coast. The county seat is Montesano; the largest community is Aberdeen.
Grays Harbor anchors the southwest Olympic Peninsula. Its coastal towns have many older residents.
Communities in Grays Harbor County: Aberdeen, Hoquiam, Ocean Shores, Westport, Montesano.
2027 plans in Grays Harbor County at a glance
What it means if you live in Grays Harbor County
- That's 3 plans fewer than in 2026 (7). If you have a Medicare Advantage plan, check your Annual Notice of Change to see whether it continues and what changes. Wellcare stops selling regular Medicare Advantage plans here on December 31; at least 2,346 people in Grays Harbor County are in one of those plans. If that's you, here is what to do. (CMS data)
- All of them are HMOs: apart from emergencies and urgent care, you generally use the plan's doctors and hospitals. If you see doctors in another county or state, ask whether they're in the network before you choose.
- 1 plan has no Part D drug coverage. Those suit people who get drug coverage elsewhere, such as from the VA; otherwise you could owe a late-enrollment penalty for going without it.
- Special needs plans here: 9 for people with both Medicare and Apple Health (Medicaid). You can join one only if you qualify.
- Grays Harbor County ranks 34th of Washington's 39 counties for plans open to everyone. In the Olympic Peninsula & coast region (5 counties), the count runs from 1 to 14.
- At least 5,162 people in Grays Harbor County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Grays Harbor County
These independent insurance agents are licensed in Washington and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
See Medicare plans in Grays Harbor County
Enter your ZIP code to compare Medicare Advantage, Part D, and Medigap plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Original Medicare and Medigap
If you'd rather keep any doctor who takes Medicare, Original Medicare with a Medigap policy and a Part D plan works the same in every Washington county. Medigap in Washington.
Nearby counties
You can only join a Medicare Advantage plan sold in the county where you live.
| County | Plans open to everyone, 2027 | Special needs plans |
|---|---|---|
| Mason County | 14 | 23 |
| Pacific County | 3 | 15 |
| Thurston County | 32 | 28 |
| Jefferson County | 12 | 24 |
2026 Medicare costs (the same in every county)
| Cost | 2026 |
|---|---|
| Part B premium | $202.90 a month (standard) |
| Part B deductible | $283 a year |
| Part A deductible | $1,736 per benefit period |
| Part D out-of-pocket cap | $2,100 a year |
Other places to get answers
- Medicare: 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, or Medicare.gov.
- Social Security (signing up for Parts A and B, Extra Help): 1-800-772-1213, TTY 1-800-325-0778.
- Apple Health (Washington Medicaid, and help with Medicare costs): hca.wa.gov.
- Washington State Office of the Insurance Commissioner (complaints about an insurance company or agent): insurance.wa.gov.
Questions about Medicare in Grays Harbor County
How many Medicare Advantage plans are there in Grays Harbor County for 2027?
CMS lists 4 open to everyone with Medicare (7 in 2026), plus 9 special needs plans for people who qualify. You still pay your Part B premium.
When can I change my Medicare plan in Grays Harbor County?
Open Enrollment runs October 15 to December 7, for coverage starting January 1. If you're in a Medicare Advantage plan, you can switch plans or go back to Original Medicare once between January 1 and March 31. If your plan leaves your county, you get a Special Enrollment Period.
How do I find a licensed insurance agent in Grays Harbor County?
Use the agent search on this page, or call (206) SENIORS (206-736-4677), TTY 711 to compare plans with a licensed insurance agent at no cost to you. Agents listed here are licensed in Washington.
Sources
Plans open to everyone are Medicare Advantage plans with or without drug coverage, not special needs plans. Enrollment counts HMO and PPO plans; CMS hides counts of 10 or fewer, so real numbers are a little higher.