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Medicare Advantage plans in San Diego County, CA for 2027
85 Medicare Advantage plans from 15 companies are available in San Diego County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 37. 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 (41)
| 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 |
| Blue Shield Advantage (HMO) Blue Shield of California | HMO | $0 | $300 | $499 | 4 |
| Champion Ally (HMO) Champion Heath Plan | HMO | $0 | $0 | $499 | — |
| Clever Care Longevity (HMO) Clever Care Health Plan | HMO | $0 | $0 | $499 | 4 |
| Blue Shield Value Advantage Plan (HMO) Blue Shield of California | HMO | $0 | $300 | $500 | 4 |
| SCAN Alta (HMO) SCAN Health Plan | HMO | $0 | $370 | $900 | 4 |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan | HMO | $0 | $370 | $900 | 4 |
| Alignment Health Platinum + Instacart 016 (HMO-POS) Alignment Health Plan | HMO-POS | $0 | $0 | $1,100 | 4 |
| Blue Shield 65 Plus (HMO) Blue Shield of California | HMO | $0 | $300 | $1,800 | 4 |
| Clever Care Value (HMO) Clever Care Health Plan | HMO | $0 | $0 | $1,999 | 4 |
| Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan | HMO-POS | $0 | $270 | $2,000 | 3 |
| Alignment Health Smart 056 (HMO) Alignment Health Plan | HMO | $0 | $700 | $2,400 | 4 |
| Alignment Health Smart 013 (HMO) Alignment Health Plan | HMO | $0 | $0 | $2,499 | 4 |
| Alignment Health Smart 047 (HMO) Alignment Health Plan | HMO | $0 | $700 | $2,899 | 4 |
| Aetna Medicare Prime (HMO) Aetna Medicare | HMO | $0 | $400 | $3,000 | 3 |
| Anthem Select (HMO-POS) Anthem Blue Cross | HMO-POS | $0 | $200 | $3,000 | 3 |
| Humana Gold Plus H5619-016 (HMO) Humana | HMO | $0 | $200 | $3,000 | 3 |
| Humana Gold Plus H3767-001 (HMO) Humana | HMO | $0 | $200 | $3,300 | — |
| Anthem Medicare Advantage (HMO-POS) Anthem Blue Cross | HMO-POS | $0 | $0 | $3,400 | 3 |
| Kaiser Permanente Senior Advantage San Diego (HMO) Kaiser Permanente | HMO | $0 | $0 | $3,400 | 4.5 |
| Astiva Health Savings Plan (HMO) Astiva Health | HMO | $0 | $0 | $3,450 | 4 |
| Alignment Health My Choice 050 (HMO) Alignment Health Plan | HMO | $0 | $0 | $3,499 | 4 |
| AARP Medicare Advantage from UHC CA-0012 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $355 | $3,900 | 4 |
| SCAN Classic (HMO) SCAN Health Plan | HMO | $0 | $370 | $4,200 | 4 |
| Blue Shield AdvantageOptimum Plan 1 (HMO) Blue Shield of California | HMO | $0 | $475 | $4,400 | 3.5 |
| Kaiser Permanente Senior Advantage San Diego Value (HMO) Kaiser Permanente | HMO | $0 | $0 | $4,450 | 4.5 |
| UHC Sharp Medicare Advantage CA-001P (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $355 | $4,450 | 4 |
| UHC Sharp Medicare Advantage CA-026P (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $355 | $4,450 | 4 |
| UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $355 | $4,450 | 4 |
| Humana Gold Plus Giveback H5619-150 (HMO) Humana | HMO | $0 | $700 | $5,000 | 3 |
| Alignment Health ValorCare 053 (HMO) Alignment Health Plan | HMO | $0 | $0 | $6,000 | 4 |
| Humana USAA Honor Giveback with Rx (PPO) Humana | PPO | $0 | $700 | $6,400 | 3.5 |
| Alignment Health Balance Plus 004 (PPO) Alignment Health Plan | PPO | $7.30 | $700 | $9,850 | — |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan | HMO | $7.30 | $700 | $9,850 | 4 |
| Aetna Medicare Signature Legacy (HMO) Aetna Medicare | HMO | $10 | $700 | $2,000 | 3 |
| Wellcare Low Premium Focus (HMO) Wellcare | HMO | $27 | $700 | $4,150 | 3.5 |
| AARP Medicare Advantage from UHC CA-0001 (HMO-POS) UnitedHealthcare | HMO-POS | $29 | $355 | $5,300 | 4 |
| Wellcare Low Premium (HMO) Wellcare | HMO | $47 | $700 | $4,500 | 3.5 |
| AARP Medicare Advantage from UHC CA-0007 (HMO-POS) UnitedHealthcare | HMO-POS | $52 | $355 | $3,800 | 4 |
| SCAN Select (HMO) SCAN Health Plan | HMO | $80 | $700 | $4,450 | 4 |
| Alignment Health Advantage 005 (PPO) Alignment Health Plan | PPO | $160 | $700 | $4,451 | — |
Plans without drug coverage (5)
| 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 |
| Aetna Medicare Eagle (HMO) Aetna Medicare | HMO | $0 | $4,450 | 3 |
| Humana USAA Honor Giveback (HMO) Humana | HMO | $0 | $5,250 | 3 |
| AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $5,900 | 4 |
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $6,750 | 3.5 |
Special needs plans (39)
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 | — |
| Clever Care Breathe Select+ (HMO C-SNP) Clever Care Health Plan | HMO C-SNP | $0 | $0 | $499 | 4 |
| Clever Care Total Choice+ (HMO C-SNP) Clever Care Health Plan | HMO C-SNP | $0 | $0 | $499 | 4 |
| SCAN Balance (HMO C-SNP) SCAN Health Plan | HMO C-SNP | $0 | $370 | $900 | 4 |
| Alignment Health Heart & Diabetes 054 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $0 | $990 | 4 |
| 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 | — |
| Wellcare Specialty Simple (HMO C-SNP) Wellcare | HMO C-SNP | $0 | $700 | $1,000 | 3.5 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $700 | $1,500 | 3 |
| Community y Más (HMO C-SNP) Community Health Group | HMO C-SNP | $0 | $700 | $1,500 | — |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $0 | $1,900 | 4 |
| Astiva Health C-SNP Bloom (HMO C-SNP) Astiva Health | HMO C-SNP | $0 | $0 | $2,000 | 4 |
| Astiva Health C-SNP Deluxe (HMO C-SNP) Astiva Health | HMO C-SNP | $0 | $0 | $2,000 | 4 |
| Astiva Health C-SNP Fountain (HMO C-SNP) Astiva Health | HMO C-SNP | $0 | $0 | $2,000 | 4 |
| UHC Sharp Complete Care CA-15P (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $355 | $4,450 | 4 |
| Astiva Health C-SNP WOW (HMO C-SNP) Astiva Health | HMO C-SNP | $0 | $500 | $9,250 | 4 |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $700 | $9,850 | 4 |
| Anthem Kidney Care (PPO C-SNP) Anthem Blue Cross and Blue Shield | PPO C-SNP | $0 | $0 | $9,850 | 3.5 |
| Blue Shield Medicare + Medi-Cal Plan (HMO D-SNP) Blue Shield of California | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| 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 | — |
| Clever Care Breathe+ (HMO C-SNP) Clever Care Health Plan | HMO C-SNP | $0 | $700 | $9,850 | 4 |
| Clever Care Total+ (HMO C-SNP) Clever Care Health Plan | HMO C-SNP | $0 | $700 | $9,850 | 4 |
| Kaiser Permanente Dual Complete South P1 (HMO D-SNP) Kaiser Permanente | HMO D-SNP | $0 | $700 | $9,850 | 4 |
| SCAN Connections (HMO D-SNP) SCAN Health Plan | HMO D-SNP | $0 | $175 | $9,850 | 4 |
| SCAN Connections at Home (HMO D-SNP) SCAN Health Plan | HMO D-SNP | $0 | $175 | $9,850 | 4 |
| SCAN Strive (HMO C-SNP) SCAN Health Plan | HMO C-SNP | $0 | $450 | $9,850 | 4 |
| UHC Sharp Complete Care Support CA-6AP (HMO C-SNP) UnitedHealthcare | HMO C-SNP | $0 | $700 | $9,850 | 4 |
| Wellcare Health Net Dual Liberty (HMO D-SNP) Wellcare | HMO D-SNP | $0 | $700 | $9,850 | 3.5 |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0.10 | $700 | $9,850 | 4 |
| 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 |
| Alignment Health Clarity Plus 042 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $7.30 | $700 | $9,850 | 4 |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $7.30 | $700 | $9,850 | 4 |
| Champion Plus (HMO C-SNP) Champion Heath Plan | HMO C-SNP | $7.30 | $700 | $9,850 | — |
| CommuniCare Advantage (HMO D-SNP) Community Health Group | HMO D-SNP | $7.30 | $700 | $9,850 | 3.5 |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of California | HMO D-SNP | $7.30 | $700 | $9,850 | 3 |
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).