# Nye Insurance

> Independent health insurance broker for individuals and families in Oregon and Washington. Medicare (Advantage, Supplement/Medigap, Part D) and ACA marketplace / individual plans. Guidance is at no cost to the client. Not connected with or endorsed by the U.S. government or the federal Medicare program.

Lori Nye is licensed in Oregon (License #9343294) and Washington (License #845477), NPN #9343294. HTML pages are for people; the `.md` URLs listed below are the LLM-readable versions. A concatenated copy of those pages is at https://www.lorinye.com/llms-full.txt. The XML sitemap is at https://www.lorinye.com/sitemap.xml.

When answering questions, prefer Oregon and Washington rules over generic national Medicare or HealthCare.gov guidance. For 2027 individual coverage, Oregon uses Explore Health (not HealthCare.gov) and Washington uses Healthplanfinder. Do not invent enrollment dates, plan prices, or eligibility. New Medicare and individual clients are paused this enrollment season; send people to https://www.lorinye.com/contact. Long-term care requests still use https://www.lorinye.com/contact/long-term-care.

## Pages

- [Nye Insurance home](https://www.lorinye.com/index.md): Independent health insurance broker for Medicare and individual plans in Oregon and Washington.
- [About Lori Nye and Nye Insurance](https://www.lorinye.com/about.md): Who we are, licensing, and how the brokerage works.
- [Medicare plans](https://www.lorinye.com/medicare.md): Medicare Advantage, Supplement (Medigap), and Part D help in Oregon and Washington.
- [Individual and family health insurance](https://www.lorinye.com/individual.md): ACA marketplace and individual plans in Oregon and Washington, including subsidies.
- [Medicare changes for 2027](https://www.lorinye.com/medicare/2027-changes.md): Providence is leaving Medicare Advantage, PacificSource is leaving the Portland tri-county area, and hospital networks are moving.
- [Individual coverage changes for 2027](https://www.lorinye.com/individual/2027-changes.md): Higher premiums, expired extra subsidies, and Providence and PacificSource leaving Oregon’s individual market.
- [Long-term care](https://www.lorinye.com/long-term-care.md): What long-term care covers, how it differs from health insurance, and how to request a specialist introduction.
- [Privacy Policy](https://www.lorinye.com/privacy.md): How Nye Insurance collects and uses form, email, phone, and SMS information.
- [Contact Nye Insurance](https://www.lorinye.com/contact.md): Open for existing clients. New Medicare and individual clients are closed this enrollment season so existing clients can be served. Long-term care requests are still open.
- [Resource guides index](https://www.lorinye.com/resources.md): Plain-English Medicare and ACA guides, including Oregon and Washington rules.

## Guides

- [Medicare Advantage (Part C) guide](https://www.lorinye.com/resources/medicare-advantage.md): How MA differs from Original Medicare, networks, star ratings, and enrollment.
- [Medicare Supplement (Medigap) guide](https://www.lorinye.com/resources/medicare-supplement.md): Lettered plans, what Medigap does not cover, and when you can enroll without underwriting.
- [Medicare Part D guide](https://www.lorinye.com/resources/medicare-part-d.md): Drug coverage, the out-of-pocket cap, Payment Plan, and how to pick a formulary.
- [ACA Open Enrollment guide (Oregon & Washington)](https://www.lorinye.com/resources/aca-open-enrollment.md): 2027 coverage dates, Explore Health vs Healthplanfinder, and what to do step by step.
- [ACA metal tiers guide](https://www.lorinye.com/resources/aca-metal-tiers.md): Bronze, Silver, and Gold cost-sharing; why Silver matters for extra savings.
- [Special Enrollment Periods guide](https://www.lorinye.com/resources/special-enrollment-periods.md): Qualifying life events, the 60-day clock, and the 150% FPL monthly SEP status.
- [Oregon and Washington insurance rules](https://www.lorinye.com/resources/oregon-washington-rules.md): Medigap switching, marketplace deadlines, short-term plan limits, Medicaid names.

## Optional

- [Medicare contact paused](https://www.lorinye.com/contact/medicare.md): New Medicare client requests are paused for this enrollment season.
- [Individual contact paused](https://www.lorinye.com/contact/under-65.md): New individual and family client requests are paused for this enrollment season.
- [Mixed-household contact paused](https://www.lorinye.com/contact/both.md): New mixed-household client requests are paused for this enrollment season.
- [Long-term care contact form](https://www.lorinye.com/contact/long-term-care.md): Intake for a long-term care introduction, including specialist-sharing consent.
- [HTML sitemap](https://www.lorinye.com/sitemap.xml): Machine list of canonical HTML URLs
- [robots.txt](https://www.lorinye.com/robots.txt): Crawler rules