Harmon County is in southwestern Oklahoma, from Lawton and Altus to Elk City and Duncan, with about 2,315 residents (Census 2024 estimate). Its largest towns are Hollis and Gould.
Fewer plans and longer drives to a hospital are common here: rural hospitals, telehealth and Medicare.
2027 plans in Harmon County at a glance
What it means if you live in Harmon County
- All 13 plans open to everyone here in 2026 end December 31. UnitedHealthcare and Blue Cross and Blue Shield of Oklahoma stop selling regular Medicare Advantage plans here on December 31; at least 59 people in Harmon County are in one of those plans. If that's you, here is what to do. (CMS data)
- Special needs plans here: 3 for people with both Medicare and Oklahoma Medicaid. You can join one only if you qualify.
- Harmon County is one of 7 Oklahoma counties with none. In the Southwest region (14 counties), the count runs from 0 to 19.
- At least 106 people in Harmon County were in a Medicare Advantage plan in October 2026.
Licensed insurance agents for Harmon County
These independent insurance agents are licensed in Oklahoma 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 Harmon 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
With no Medicare Advantage plan open to everyone here, most people use Original Medicare. A Medigap policy helps pay what Medicare doesn't, and a Part D plan covers prescriptions. Any doctor or hospital that takes Medicare is open to you, in Oklahoma or another state. If your Medicare Advantage plan here ends December 31, you have a right to buy certain Medigap policies without health questions; see the deadlines. Medigap in Oklahoma.
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 |
|---|---|---|
| Greer County | 11 | 4 |
| Jackson County | 5 | 7 |
| Beckham County | 7 | 3 |
| Kiowa County | 14 | 6 |
Insurance agency offices nearest Harmon County
These offices are independently owned by licensed insurance agents and agencies that work with Benefits Life, the publisher of this site. They are not Benefits Life offices. When they enroll you in a plan, the agency and Benefits Life may be paid by the insurance company. If you already have an agent, contact your agent for help with your plan. Learn more.
Integrity Insurance Group
About 235 miles from Harmon County
Wheelchair accessible · Free parking · Video appointments available
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.
- Oklahoma Health Care Authority (SoonerCare, including help for people with Medicare): oklahoma.gov/ohca. SoonerCare and Medicare.
- Oklahoma Insurance Department (complaints about an insurance company or agent, agent license lookup): oid.ok.gov.
- More Oklahoma contacts, from OKDHS aging services to fraud reporting: Oklahoma Medicare contacts.
Questions about Medicare in Harmon County
Can I get a Medicare Advantage plan in Harmon County?
Not one open to everyone: CMS lists none in Harmon County for 2027. 3 special needs plans are open to people who qualify. Everyone else can use Original Medicare with a Medigap policy and a Part D plan.
When can I change my Medicare plan in Harmon 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 Harmon County?
Use the agent search on this page, pick one agent and request a call, to compare plans with a licensed insurance agent at no cost to you. Agents listed here are licensed in Oklahoma.
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.