2027 plan year · Arizona
2027 Medicare Advantage plans in Santa Cruz County, AZ
28 plans from 8 insurers for 2027. 14 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $2,499.
- 17general plans
- 14$0-premium plans
- $2,499lowest out-of-pocket max
- 4 ★top star rating
- 11Special Needs Plans
2027 Medicare Advantage plans in Santa Cruz County, AZ
Sorted by Medicare star rating, then monthly premium and out-of-pocket limit. Premiums shown are the plan's own premium; you also keep paying your Part B premium.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Alignment Health ONE + Walgreens 002 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $2,499 | $0 | ★★★★★4 |
| Alignment Health Smart 005 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $3,900 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $5,150 | — | ★★★★★4 |
| HumanaChoice H5216-263 (PPO) Humana · PPO · includes drug coverage | $0 | $5,999 | $400 | ★★★★★4 |
| DEVOTED CORE 007 AZ (HMO) Devoted Health · HMO · includes drug coverage | $0 | $6,750 | $650 | ★★★★★4 |
| AARP Medicare Advantage from UHC AZ-0010 (PPO) UnitedHealthcare · PPO · includes drug coverage | $0 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) UnitedHealthcare · PPO · no drug coverage | $0 | $7,150 | — | ★★★★★4 |
| Humana Essentials Plus Giveback (PPO) Humana · PPO · includes drug coverage | $0 | $7,850 | $450 | ★★★★★4 |
| AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $60 | $7,150 | $685 | ★★★★★4 |
| AARP Medicare Advantage from UHC AZ-0008 (PPO) UnitedHealthcare · PPO · includes drug coverage | $64 | $7,150 | $685 | ★★★★★4 |
| Wellpoint Medicare Advantage (HMO-POS) Wellpoint · HMO-POS · includes drug coverage | $0 | $3,000 | $130 | ★★★★★3.5 |
| DEVOTED CHOICE 002 AZ (PPO) Devoted Health · PPO · includes drug coverage | $0 | $6,100 | $465 | ★★★★★3.5 |
| DEVOTED CHOICE MA ONLY 005 AZ (PPO) Devoted Health · PPO · no drug coverage | $0 | $7,000 | — | ★★★★★3.5 |
| DEVOTED CHOICE GIVEBACK 006 AZ (PPO) Devoted Health · PPO · includes drug coverage | $0 | $9,450 | $461 | ★★★★★3.5 |
| Wellcare Simple (HMO) Wellcare · HMO · includes drug coverage | $0 | $9,800 | $700 | ★★★★★3.5 |
| HumanaChoice R7220-001 (Regional PPO) Humana · Regional PPO · no drug coverage | $0 | $6,000 | — | ★★★★★3 |
| HumanaChoice R7220-002 (Regional PPO) Humana · Regional PPO · includes drug coverage | $110 | $7,150 | $700 | ★★★★★3 |
Special Needs Plans (SNPs)
Only for people who qualify: Dual-Eligible plans need both Medicare and Medicaid, Chronic Condition plans need a qualifying condition, and Institutional plans are for nursing home residents.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| UHC Complete Care Support AZ-1A (PPO C-SNP) UnitedHealthcare · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $100 | ★★★★★4.5 |
| Alignment Health Heart & Diabetes 003 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,499 | $0 | ★★★★★4 |
| Alignment Health Heart & Diabetes Plus 007 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,900 | $700 | ★★★★★4 |
| DEVOTED C-SNP PLUS 027 AZ (HMO C-SNP) Devoted Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $461 | ★★★★★4 |
| Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $16.80 | $9,850 | $700 | ★★★★★4 |
| UHC Dual Complete AZ-S001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $16.80 | $9,850 | $700 | ★★★★★3.5 |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $16.80 | $9,850 | $700 | ★★★★★3.5 |
| UHC Dual Complete AZ-YL (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $16.80 | $9,850 | $700 | ★★★★★3.5 |
| Wellcare Arizona Complete Health Dual Liberty Sync (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Mercy Care Advantage (HMO D-SNP) Mercy Care Advantage · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $16.10 | $9,850 | $700 | ★★★★★3 |
What changed from 2026 to 2027
- 2 plans are new here for 2027.
- 7 plans offered here in 2026 aren't listed for 2027 (for example Wellcare Simple (HMO), Wellcare Giveback (HMO), Wellcare Specialty Simple (HMO C-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 26 plans offered both years, 4 raised the monthly premium and 8 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Santa Cruz County
Medicare Advantage plans use networks. Before choosing, check that the hospitals and nursing homes you'd want are in the plan's network, and how they're rated.
Other coverage options
- Stand-alone Part D drug plans in Arizona (for people with Original Medicare)
- Marketplace health plans in Santa Cruz County (for people under 65 or not on Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Santa Cruz County, AZ for 2027?
28 plans from 8 insurers: 17 general plans open to anyone with Medicare Parts A and B who lives here, plus 11 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Santa Cruz County, AZ?
Yes. 14 general plans have a $0 monthly plan premium for 2027. You still pay your Medicare Part B premium, and copays and coinsurance still apply.
What is the highest-rated Medicare Advantage plan in Santa Cruz County, AZ?
Alignment Health ONE + Walgreens 002 (HMO) from Alignment Health Plan has the top Medicare star rating here (4 stars). Star ratings are given to the insurer's contract, so several plans can share one.
Which plan has the lowest out-of-pocket maximum in Santa Cruz County, AZ?
Alignment Health ONE + Walgreens 002 (HMO) caps in-network out-of-pocket costs at $2,499 for 2027.