2027 plan year · California
2027 Medicare Advantage plans in Kern County, CA
42 plans from 11 insurers for 2027. 17 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $295.
- 21general plans
- 17$0-premium plans
- $295lowest out-of-pocket max
- 4.5 ★top star rating
- 21Special Needs Plans
2027 Medicare Advantage plans in Kern 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 |
|---|---|---|---|---|
| Kaiser Permanente Senior Advantage Basic Kern (HMO) Kaiser Permanente · HMO · includes drug coverage | $0 | $3,900 | $0 | ★★★★★4.5 |
| Kaiser Permanente Senior Advantage Enhanced Kern (HMO) Kaiser Permanente · HMO · includes drug coverage | $29 | $1,900 | $0 | ★★★★★4.5 |
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · HMO · includes drug coverage | $0 | $295 | $0 | ★★★★★4 |
| Humana Gold Plus H5619-116 (HMO) Humana · HMO · includes drug coverage | $0 | $2,100 | $200 | ★★★★★4 |
| Blue Shield 65 Plus (HMO) Blue Shield of California · HMO · includes drug coverage | $0 | $2,750 | $475 | ★★★★★4 |
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · HMO · no drug coverage | $0 | $2,999 | — | ★★★★★4 |
| Humana Gold Plus H5619-191 (HMO) Humana · HMO · includes drug coverage | $0 | $3,200 | $200 | ★★★★★4 |
| Humana Gold Plus Giveback H5619-150 (HMO) Humana · HMO · includes drug coverage | $0 | $5,000 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (HMO) Humana · HMO · no drug coverage | $0 | $5,250 | — | ★★★★★4 |
| Alignment Health Platinum 057 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $1,000 | $700 | ★★★★★3.5 |
| Anthem Medicare Advantage (HMO-POS) Anthem Blue Cross · HMO-POS · includes drug coverage | $0 | $2,800 | $110 | ★★★★★3.5 |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan · HMO · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3.5 |
| Alignment Health My Choice 061 (HMO) Alignment Health Plan · HMO · includes drug coverage | $40 | $4,900 | $700 | ★★★★★3.5 |
| Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan · HMO-POS · includes drug coverage | $0 | $1,200 | $395 | ★★★★★3 |
| AARP Medicare Advantage from UHC CA-0002 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $2,000 | $355 | ★★★★★3 |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $2,000 | $700 | ★★★★★3 |
| AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS) UnitedHealthcare · HMO-POS · no drug coverage | $0 | $5,900 | — | ★★★★★3 |
| Aetna Medicare Signature Legacy (HMO) Aetna Medicare · HMO · includes drug coverage | $10 | $2,000 | $700 | ★★★★★3 |
| Aetna Medicare Prime Value Plus (HMO) Aetna Medicare · HMO · includes drug coverage CMS low performer | $0 | $599 | $400 | ★★★★★2.5 |
| Aetna Medicare Signature (HMO) Aetna Medicare · HMO · includes drug coverage CMS low performer | $0 | $2,000 | $700 | ★★★★★2.5 |
| 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 |
|---|---|---|---|---|
| Kaiser Permanente Dual Complete South P7 (HMO D-SNP) Kaiser Permanente · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| 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 |
| Humana Gold Plus SNP-DE H5619-038 (HMO D-SNP) Humana · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★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 Specialty Simple (HMO C-SNP) Wellcare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,000 | $700 | ★★★★★3.5 |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,990 | $0 | ★★★★★3.5 |
| 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 |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3.5 |
| UHC Complete Care CA-27P (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $355 | ★★★★★3 |
| Anthem Full Dual Advantage Aligned (HMO D-SNP) Anthem Blue Cross · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $105 | ★★★★★3 |
| Anthem Kidney Care (PPO C-SNP) Anthem Blue Cross and Blue Shield · PPO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $0 | ★★★★★3 |
| UHC Complete Care Support CA-4AP (HMO C-SNP) UnitedHealthcare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $100 | ★★★★★3 |
| 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 |
| Kern Family Health Care Medicare (HMO D-SNP) Kern Family Health Care Medicare (D-SNP) · 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
- 11 plans are new here for 2027.
- 8 plans offered here in 2026 aren't listed for 2027 (for example Humana Gold Plus H5619-148 (HMO), 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 31 plans offered both years, 2 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 Kern 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 Kern County, CA for 2027?
42 plans from 11 insurers: 21 general plans open to anyone with Medicare Parts A and B who lives here, plus 21 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Kern County, CA?
Yes. 17 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 Kern County, CA?
Kaiser Permanente Senior Advantage Basic Kern (HMO) from Kaiser Permanente has the top Medicare star rating here (4.5 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 Kern County, CA?
Imperial Dynamic Plan (HMO) caps in-network out-of-pocket costs at $295 for 2027.