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Medicare Advantage plans in Santa Cruz County, CA for 2027
9 Medicare Advantage plans from 4 companies are available in Santa Cruz County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 2. 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 |
| Alignment Health Sutter Advantage +More (HMO) Alignment Health Plan | HMO | $61 | $0 | $4,900 | 4 |
| Kaiser Permanente Senior Advantage Santa Cruz (HMO) Kaiser Permanente | HMO | $92 | $0 | $4,900 | 4.5 |
| Alignment Health My Choice 001 (PPO) Alignment Health Plan | PPO | $149 | $0 | $4,200 | 4 |
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 (4)
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 |
| Kaiser Permanente Dual Complete North P21 (HMO D-SNP) Kaiser Permanente | HMO D-SNP | $0 | $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 |
| TotalCare (HMO D-SNP) Central California Alliance for Health | 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).