2027 plan year · California
2027 Medicare Advantage plans in Merced County, CA
18 plans from 6 insurers for 2027. 5 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $295.
- 8general plans
- 5$0-premium plans
- $295lowest out-of-pocket max
- 4 ★top star rating
- 10Special Needs Plans
2027 Medicare Advantage plans in Merced 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 |
| Blue Shield Inspire (HMO) Blue Shield of California · HMO · includes drug coverage | $61 | $5,100 | $475 | ★★★★★4 |
| Alignment Health ONE + Walgreens 035 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $1,300 | $0 | ★★★★★3.5 |
| Alignment Health My Choice 050 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $3,499 | $0 | ★★★★★3.5 |
| Alignment Health Smart 040 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $3,999 | $700 | ★★★★★3.5 |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan · HMO · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3.5 |
| AARP Medicare Advantage from UHC CA-0010 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $99 | $7,150 | $685 | ★★★★★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 |
|---|---|---|---|---|
| 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 |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,900 | $0 | ★★★★★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 |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3.5 |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0.10 | $9,850 | $700 | ★★★★★3.5 |
| Alignment Health Clarity Plus 042 (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 |
| 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 |
| 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 |
| TotalCare (HMO D-SNP) Central California Alliance for Health · 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
- 3 plans are new here for 2027.
- 2 plans offered here in 2026 aren't listed for 2027 (for example Alignment Health Honor+ Plan (HMO), Anthem Kidney Care (PPO C-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 15 plans offered both years, 3 raised the monthly premium and 4 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Merced 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 Merced County, CA for 2027?
18 plans from 6 insurers: 8 general plans open to anyone with Medicare Parts A and B who lives here, plus 10 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Merced County, CA?
Yes. 5 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 Merced 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 Merced County, CA?
Imperial Dynamic Plan (HMO) caps in-network out-of-pocket costs at $295 for 2027.