2027 plan year · California
2027 Medicare Advantage plans in Monterey County, CA
10 plans from 4 insurers for 2027. 3 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $295.
- 6general plans
- 3$0-premium plans
- $295lowest out-of-pocket max
- 4 ★top star rating
- 4Special Needs Plans
2027 Medicare Advantage plans in Monterey 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 |
| Aspire Health Protect (HMO) Aspire Health · HMO · includes drug coverage | $0 | $7,150 | $250 | ★★★★★3.5 |
| Aspire Health Value (HMO) Aspire Health · HMO · includes drug coverage | $65 | $7,000 | $250 | ★★★★★3.5 |
| Aspire Health Advantage (HMO) Aspire Health · HMO · includes drug coverage | $204 | $4,550 | $250 | ★★★★★3.5 |
| Aspire Health Plus (HMO-POS) Aspire Health · HMO-POS · includes drug coverage | $382 | $4,350 | $250 | ★★★★★3.5 |
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 |
| 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
- 2 plans are new here for 2027.
- 1 plan offered here in 2026 isn't listed for 2027 (for example Anthem Kidney Care (PPO C-SNP)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 8 plans offered both years, 4 raised the monthly premium and 0 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in Monterey 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 Monterey County, CA for 2027?
10 plans from 4 insurers: 6 general plans open to anyone with Medicare Parts A and B who lives here, plus 4 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in Monterey 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 Monterey 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 Monterey County, CA?
Imperial Dynamic Plan (HMO) caps in-network out-of-pocket costs at $295 for 2027.