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Medicare Advantage plans in Santa Clara County, CA for 2027
36 Medicare Advantage plans from 10 companies are available in Santa Clara County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 10. 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 (17)
| 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 |
| SCAN Classic (HMO) SCAN Health Plan | HMO | $0 | $450 | $999 | 4 |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan | HMO | $0 | $450 | $999 | 4 |
| Astiva Health Premier Plan - NorCal (HMO) Astiva Health | HMO | $0 | $0 | $2,000 | 4 |
| Astiva Health Savings Plan - NorCal (HMO) Astiva Health | HMO | $0 | $0 | $2,500 | 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 |
| Alignment Health Smart 040 (HMO) Alignment Health Plan | HMO | $0 | $700 | $3,999 | 4 |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan | HMO | $7.30 | $700 | $9,850 | 4 |
| Kaiser Permanente Sr Adv Basic Santa Clara (HMO) Kaiser Permanente | HMO | $27 | $0 | $6,000 | 4.5 |
| 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 | $51 | $0 | $4,900 | 4 |
| Blue Shield Inspire (HMO) Blue Shield of California | HMO | $61 | $475 | $5,100 | 4 |
| Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) Kaiser Permanente | HMO | $101 | $0 | $3,900 | 4.5 |
| Alignment Health Advantage 002 (PPO) Alignment Health Plan | PPO | $101.50 | $0 | $2,850 | — |
| Aetna Medicare Signature (HMO) Aetna Medicare | HMO | $102 | $700 | $3,900 | 3 |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare | HMO | $104 | $700 | $3,900 | 3 |
Plans without drug coverage (2)
| 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 |
Special needs plans (17)
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 |
| SCAN Balance (HMO C-SNP) SCAN Health Plan | HMO C-SNP | $0 | $450 | $1,200 | 4 |
| 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 | — |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $0 | $0 | $1,990 | 4 |
| Astiva Health C-SNP WOW - NorCal (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 Full Dual Advantage Aligned (HMO D-SNP) Anthem Blue Cross | HMO D-SNP | $0 | $105 | $9,850 | 3 |
| Kaiser Permanente Dual Complete North P23 (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 |
| 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 Heart & Diabetes Plus 039 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $7.30 | $700 | $9,850 | 4 |
| Alignment Health Heart & Diabetes Plus 045 (HMO C-SNP) Alignment Health Plan | HMO C-SNP | $7.30 | $700 | $9,850 | 4 |
| DualConnect (HMO D-SNP) Santa Clara Family Health Plan | HMO D-SNP | $7.30 | $700 | $9,850 | 3.5 |
| 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).