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Medicare Advantage plans in San Francisco County, CA for 2027
46 Medicare Advantage plans from 12 companies are available in San Francisco County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 13. 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 (22)
| 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 |
| Alignment Health Platinum + Instacart 016 (HMO-POS) Alignment Health Plan | HMO-POS | $0 | $0 | $1,100 | 4 |
| Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan | HMO-POS | $0 | $440 | $2,500 | 3 |
| SCAN Classic (HMO) SCAN Health Plan | HMO | $0 | $450 | $2,500 | 4 |
| SCAN Allied (HMO) SCAN Health Plan | HMO | $0 | $75 | $2,900 | 4 |
| Central Health Harmony 031 (HMO) Alignment Health Plan | HMO | $0 | $0 | $3,400 | 4 |
| Alignment Health My Choice 050 (HMO) Alignment Health Plan | HMO | $0 | $0 | $3,499 | 4 |
| CCHP Senior Value Program (HMO) CCHP (Chinese Community Health Plan) | HMO | $0 | $0 | $3,500 | 3 |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare | HMO | $0 | $400 | $3,600 | 3 |
| Anthem Select (HMO-POS) Anthem Blue Cross | HMO-POS | $0 | $160 | $7,550 | 3 |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan | HMO | $2 | $450 | $2,500 | 4 |
| SCAN Inclusive (HMO) SCAN Health Plan | HMO | $2 | $250 | $2,500 | 4 |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan | HMO | $7.30 | $700 | $9,850 | 4 |
| Aetna Medicare Signature (HMO) Aetna Medicare | HMO | $10 | $700 | $3,900 | 3 |
| Kaiser Permanente Senior Advantage Basic SF (HMO) Kaiser Permanente | HMO | $28 | $0 | $6,000 | 4.5 |
| Wellcare Low Premium Focus (HMO) Wellcare | HMO | $30.50 | $700 | $9,250 | 3.5 |
| CCHP Senior Program (HMO) CCHP (Chinese Community Health Plan) | HMO | $38 | $0 | $3,000 | 3 |
| Sutter Senior Advantage, a SCAN Medicare Plan (HMO) SCAN Health Plan | HMO | $49 | $0 | $4,900 | 4 |
| Alignment Health Sutter Advantage +More (HMO) Alignment Health Plan | HMO | $50 | $0 | $4,900 | 4 |
| AARP Medicare Advantage from UHC CA-9 (HMO-POS) UnitedHealthcare | HMO-POS | $71 | $685 | $5,900 | 4 |
| HumanaChoice H5525-087 (PPO) Humana | PPO | $96 | $700 | $7,150 | 3.5 |
| Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) Kaiser Permanente | HMO | $105 | $0 | $3,900 | 4.5 |
Plans without drug coverage (3)
| 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 (PPO) Humana | PPO | $0 | $6,500 | 3.5 |
Special needs plans (21)
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 |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $0 | $1,900 | 4 |
| Premier Care (HMO I-SNP) Align Senior Care | HMO I-SNP | $0 | $50 | $1,900 | — |
| SCAN Balance (HMO C-SNP) SCAN Health Plan | HMO C-SNP | $0 | $450 | $1,900 | 4 |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $0 | $1,990 | 4 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | HMO C-SNP | $0 | $700 | $3,600 | 3 |
| Wellcare Specialty Simple Focus (HMO C-SNP) Wellcare | HMO C-SNP | $0 | $700 | $9,250 | 3.5 |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $700 | $9,850 | 4 |
| Anthem Full Dual Advantage Aligned (HMO D-SNP) Anthem Blue Cross | HMO D-SNP | $0 | $105 | $9,850 | 3 |
| CCHP Senior Select Program (HMO D-SNP) CCHP (Chinese Community Health Plan) | HMO D-SNP | $0 | $700 | $9,850 | 3 |
| Kaiser Permanente Dual Complete North P19 (HMO D-SNP) Kaiser Permanente | HMO D-SNP | $0 | $700 | $9,850 | 4 |
| SCAN Strive (HMO C-SNP) SCAN Health Plan | HMO C-SNP | $0 | $450 | $9,850 | 4 |
| UHC Complete Care Support CA-8AP (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $100 | $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 |
| 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 Duals+ 030 (HMO D-SNP) Alignment Health Plan | HMO D-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 |
| SFHP Care Plus (HMO D-SNP) San Francisco Health Plan | HMO D-SNP | $7.30 | $700 | $9,850 | — |
| Senior Care (HMO I-SNP) Align Senior Care | HMO I-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).