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Medicare Advantage plans in Santa Cruz County, AZ for 2027
28 Medicare Advantage plans from 8 companies are available in Santa Cruz County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 14. Lowest in-network out-of-pocket limit: $2,499.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (13)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Alignment Health ONE + Walgreens 002 (HMO) Alignment Health Plan | HMO | $0 | $0 | $2,499 | 4 |
| Wellpoint Medicare Advantage (HMO-POS) Wellpoint | HMO-POS | $0 | $130 | $3,000 | 3 |
| Alignment Health Smart 005 (HMO) Alignment Health Plan | HMO | $0 | $700 | $3,900 | 4 |
| HumanaChoice H5216-263 (PPO) Humana | PPO | $0 | $400 | $5,999 | 3.5 |
| DEVOTED CHOICE 002 AZ (PPO) Devoted Health | PPO | $0 | $465 | $6,100 | 3 |
| DEVOTED CORE 007 AZ (HMO) Devoted Health | HMO | $0 | $650 | $6,750 | 3.5 |
| AARP Medicare Advantage from UHC AZ-0010 (PPO) UnitedHealthcare | PPO | $0 | $685 | $7,150 | 4 |
| Humana Essentials Plus Giveback (PPO) Humana | PPO | $0 | $450 | $7,850 | 3.5 |
| DEVOTED CHOICE GIVEBACK 006 AZ (PPO) Devoted Health | PPO | $0 | $461 | $9,450 | 3 |
| Wellcare Simple (HMO) Wellcare | HMO | $0 | $700 | $9,800 | 3.5 |
| AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) UnitedHealthcare | HMO-POS | $60 | $685 | $7,150 | 4 |
| AARP Medicare Advantage from UHC AZ-0008 (PPO) UnitedHealthcare | PPO | $64 | $685 | $7,150 | 4 |
| HumanaChoice R7220-002 (Regional PPO) Humana | Regional PPO | $110 | $700 | $7,150 | 2.5 |
Plans without drug coverage (4)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $5,150 | 3.5 |
| HumanaChoice R7220-001 (Regional PPO) Humana | Regional PPO | $0 | $6,000 | 2.5 |
| DEVOTED CHOICE MA ONLY 005 AZ (PPO) Devoted Health | PPO | $0 | $7,000 | 3 |
| AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) UnitedHealthcare | PPO | $0 | $7,150 | 4 |
Special needs plans (11)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Alignment Health Heart & Diabetes 003 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $0 | $2,499 | 4 |
| Alignment Health Heart & Diabetes Plus 007 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $700 | $2,900 | 4 |
| DEVOTED C-SNP PLUS 027 AZ (HMO C-SNP) Devoted Health | HMO C-SNP | $0 | $461 | $9,850 | 3.5 |
| UHC Complete Care Support AZ-1A (PPO C-SNP) UnitedHealthcare | PPO C-SNP | $0 | $100 | $9,850 | 4.5 |
| UHC Dual Complete AZ-S001 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3.5 |
| Wellcare Arizona Complete Health Dual Liberty Sync (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Mercy Care Advantage (HMO D-SNP) Mercy Care Advantage | HMO D-SNP | $16.10 | $700 | $9,850 | 3 |
| Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $16.80 | $700 | $9,850 | 4 |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage | HMO D-SNP | $16.80 | $700 | $9,850 | 3.5 |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage | HMO D-SNP | $16.80 | $700 | $9,850 | 3.5 |
| UHC Dual Complete AZ-YL (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $16.80 | $700 | $9,850 | 3.5 |
Stand-alone Part D drug plans in Arizona →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-10 release).