2027 plan year · California
2027 Medicare Advantage plans in Imperial County, CA
17 plans from 4 insurers for 2027. 3 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $295.
- 5general plans
- 3$0-premium plans
- $295lowest out-of-pocket max
- 4 ★top star rating
- 12Special Needs Plans
2027 Medicare Advantage plans in Imperial County, CA
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 |
|---|---|---|---|---|
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · HMO · includes drug coverage | $0 | $295 | $0 | ★★★★★4 |
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · HMO · no drug coverage | $0 | $2,999 | — | ★★★★★4 |
| Wellcare Low Premium Focus (HMO) Wellcare · HMO · includes drug coverage | $27 | $4,150 | $700 | ★★★★★3.5 |
| Wellcare Low Premium (HMO) Wellcare · HMO · includes drug coverage | $47 | $4,500 | $700 | ★★★★★3.5 |
| Champion Ally (HMO) Champion Heath Plan · HMO · includes drug coverage | $0 | $499 | $0 | Not enough data available |
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 |
|---|---|---|---|---|
| Imperial Senior Value (HMO C-SNP) Imperial Health Plan of California, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $295 | $0 | ★★★★★4 |
| Imperial Flex (HMO C-SNP) Imperial Health Plan of California, Inc. · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $2.70 | $9,850 | $450 | ★★★★★4 |
| Wellcare Health Net Dual Liberty (HMO D-SNP) Wellcare · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Champion Care (HMO C-SNP) Champion Heath Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $499 | $0 | Not enough data available |
| Champion Advantage (HMO-POS C-SNP) Champion Heath Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $999 | $0 | Not enough data available |
| Champion Compass (HMO C-SNP) Champion Heath Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $999 | $0 | Not enough data available |
| Champion Connect (HMO-POS C-SNP) Champion Heath Plan · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | Not enough data available |
| Champion Home (HMO C-SNP) Champion Heath Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | Not enough data available |
| Champion Secure (HMO C-SNP) Champion Heath Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | Not enough data available |
| Champion Choice (HMO C-SNP) Champion Heath Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $2.60 | $9,850 | $700 | Not enough data available |
| Champion Plus (HMO C-SNP) Champion Heath Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $7.30 | $9,850 | $700 | Not enough data available |
| Community Advantage Plus (HMO D-SNP) Community Health Plan of Imperial Valley · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $7.30 | $9,850 | $700 | Plan too new to be measured |
What changed from 2026 to 2027
- 4 plans are new here for 2027.
- 8 plans offered here in 2026 aren't listed for 2027 (for example Molina Medicare Complete Care (HMO D-SNP), Central Health Dual Access Plan (HMO D-SNP), Central Health Embrace Care Plan (HMO C-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 13 plans offered both years, 0 raised the monthly premium and 6 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Imperial 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 California (for people with Original Medicare)
- Medicare Advantage vs. Original Medicare
Frequently asked questions
How many Medicare Advantage plans are available in Imperial County, CA for 2027?
17 plans from 4 insurers: 5 general plans open to anyone with Medicare Parts A and B who lives here, plus 12 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Imperial County, CA?
Yes. 3 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 Imperial County, CA?
Imperial Dynamic Plan (HMO) from Imperial Health Plan of California, Inc. 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 Imperial County, CA?
Imperial Dynamic Plan (HMO) caps in-network out-of-pocket costs at $295 for 2027.