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Medicare Advantage plans in Imperial County, CA for 2027
17 Medicare Advantage plans from 4 companies are available in Imperial County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 3. Lowest in-network out-of-pocket limit: $295.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (4)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. | HMO | $0 | $0 | $295 | 3.5 |
| Champion Ally (HMO) Champion Heath Plan | HMO | $0 | $0 | $499 | — |
| Wellcare Low Premium Focus (HMO) Wellcare | HMO | $27 | $700 | $4,150 | 3.5 |
| Wellcare Low Premium (HMO) Wellcare | HMO | $47 | $700 | $4,500 | 3.5 |
Plans without drug coverage (1)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. | HMO | $0 | $2,999 | 3.5 |
Special needs plans (12)
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 |
|---|---|---|---|---|---|
| Imperial Senior Value (HMO C-SNP) Imperial Health Plan of California, Inc. | HMO C-SNP | $0 | $0 | $295 | 3.5 |
| Champion Care (HMO C-SNP) Champion Heath Plan | HMO C-SNP | $0 | $0 | $499 | — |
| Champion Advantage (HMO-POS C-SNP) Champion Heath Plan | HMO-POS C-SNP | $0 | $0 | $999 | — |
| Champion Compass (HMO C-SNP) Champion Heath Plan | HMO C-SNP | $0 | $0 | $999 | — |
| Champion Connect (HMO-POS C-SNP) Champion Heath Plan | HMO-POS C-SNP | $0 | $700 | $9,850 | — |
| Champion Home (HMO C-SNP) Champion Heath Plan | HMO C-SNP | $0 | $700 | $9,850 | — |
| Champion Secure (HMO C-SNP) Champion Heath Plan | HMO C-SNP | $0 | $700 | $9,850 | — |
| Wellcare Health Net Dual Liberty (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Champion Choice (HMO C-SNP) Champion Heath Plan | HMO C-SNP | $2.60 | $700 | $9,850 | — |
| Imperial Flex (HMO C-SNP) Imperial Health Plan of California, Inc. | HMO C-SNP | $2.70 | $450 | $9,850 | 3.5 |
| Champion Plus (HMO C-SNP) Champion Heath Plan | HMO C-SNP | $7.30 | $700 | $9,850 | — |
| Community Advantage Plus (HMO D-SNP) Community Health Plan of Imperial Valley | HMO D-SNP | $7.30 | $700 | $9,850 | — |
Stand-alone Part D drug plans in California →
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).