2027 plan year · California
2027 Medicare Advantage plans in San Diego County, CA
85 plans from 15 insurers for 2027. 37 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $295.
- 46general plans
- 37$0-premium plans
- $295lowest out-of-pocket max
- 4.5 ★top star rating
- 39Special Needs Plans
2027 Medicare Advantage plans in San Diego 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 |
|---|---|---|---|---|
| Clever Care Longevity (HMO) Clever Care Health Plan · HMO · includes drug coverage | $0 | $499 | $0 | ★★★★★4.5 |
| Clever Care Value (HMO) Clever Care Health Plan · HMO · includes drug coverage | $0 | $1,999 | $0 | ★★★★★4.5 |
| Kaiser Permanente Senior Advantage San Diego (HMO) Kaiser Permanente · HMO · includes drug coverage | $0 | $3,400 | $0 | ★★★★★4.5 |
| Kaiser Permanente Senior Advantage San Diego Value (HMO) Kaiser Permanente · HMO · includes drug coverage | $0 | $4,450 | $0 | ★★★★★4.5 |
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · HMO · includes drug coverage | $0 | $295 | $0 | ★★★★★4 |
| Blue Shield Advantage (HMO) Blue Shield of California · HMO · includes drug coverage | $0 | $499 | $300 | ★★★★★4 |
| Blue Shield Value Advantage Plan (HMO) Blue Shield of California · HMO · includes drug coverage | $0 | $500 | $300 | ★★★★★4 |
| SCAN Alta (HMO) SCAN Health Plan · HMO · includes drug coverage | $0 | $900 | $370 | ★★★★★4 |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan · HMO · includes drug coverage | $0 | $900 | $370 | ★★★★★4 |
| Blue Shield 65 Plus (HMO) Blue Shield of California · HMO · includes drug coverage | $0 | $1,800 | $300 | ★★★★★4 |
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · HMO · no drug coverage | $0 | $2,999 | — | ★★★★★4 |
| Humana Gold Plus H5619-016 (HMO) Humana · HMO · includes drug coverage | $0 | $3,000 | $200 | ★★★★★4 |
| Astiva Health Savings Plan (HMO) Astiva Health · HMO · includes drug coverage | $0 | $3,450 | $0 | ★★★★★4 |
| SCAN Classic (HMO) SCAN Health Plan · HMO · includes drug coverage | $0 | $4,200 | $370 | ★★★★★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 |
| Humana USAA Honor Giveback with Rx (PPO) Humana · PPO · includes drug coverage | $0 | $6,400 | $700 | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,750 | — | ★★★★★4 |
| Alignment Health Balance Plus 004 (PPO) Alignment Health Plan · PPO · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★4 |
| SCAN Select (HMO) SCAN Health Plan · HMO · includes drug coverage | $80 | $4,450 | $700 | ★★★★★4 |
| Alignment Health Advantage 005 (PPO) Alignment Health Plan · PPO · includes drug coverage | $160 | $4,451 | $700 | ★★★★★4 |
| Alignment Health Platinum + Instacart 016 (HMO-POS) Alignment Health Plan · HMO-POS · includes drug coverage | $0 | $1,100 | $0 | ★★★★★3.5 |
| Alignment Health Smart 056 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $2,400 | $700 | ★★★★★3.5 |
| Alignment Health Smart 013 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $2,499 | $0 | ★★★★★3.5 |
| Alignment Health Smart 047 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $2,899 | $700 | ★★★★★3.5 |
| Anthem Select (HMO-POS) Anthem Blue Cross · HMO-POS · includes drug coverage | $0 | $3,000 | $200 | ★★★★★3.5 |
| Anthem Medicare Advantage (HMO-POS) Anthem Blue Cross · HMO-POS · includes drug coverage | $0 | $3,400 | $0 | ★★★★★3.5 |
| Alignment Health My Choice 050 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $3,499 | $0 | ★★★★★3.5 |
| Blue Shield AdvantageOptimum Plan 1 (HMO) Blue Shield of California · HMO · includes drug coverage | $0 | $4,400 | $475 | ★★★★★3.5 |
| Alignment Health ValorCare 053 (HMO) Alignment Health Plan · HMO · includes drug coverage | $0 | $6,000 | $0 | ★★★★★3.5 |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan · HMO · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3.5 |
| 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 |
| Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan · HMO-POS · includes drug coverage | $0 | $2,000 | $270 | ★★★★★3 |
| Aetna Medicare Prime (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $3,000 | $400 | ★★★★★3 |
| AARP Medicare Advantage from UHC CA-0012 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $3,900 | $355 | ★★★★★3 |
| Aetna Medicare Eagle (HMO) Aetna Medicare · HMO · no drug coverage | $0 | $4,450 | — | ★★★★★3 |
| UHC Sharp Medicare Advantage CA-001P (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $4,450 | $355 | ★★★★★3 |
| UHC Sharp Medicare Advantage CA-026P (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $4,450 | $355 | ★★★★★3 |
| UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $0 | $4,450 | $355 | ★★★★★3 |
| AARP Medicare Advantage Patriot No Rx CA-MA2 (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 |
| AARP Medicare Advantage from UHC CA-0001 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $29 | $5,300 | $355 | ★★★★★3 |
| AARP Medicare Advantage from UHC CA-0007 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $52 | $3,800 | $355 | ★★★★★3 |
| Champion Ally (HMO) Champion Heath Plan · HMO · includes drug coverage | $0 | $499 | $0 | Not enough data available |
| Humana Gold Plus H3767-001 (HMO) Humana · HMO · includes drug coverage | $0 | $3,300 | $200 | Plan too new to be measured |
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 |
|---|---|---|---|---|
| Clever Care Breathe Select+ (HMO C-SNP) Clever Care Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $499 | $0 | ★★★★★4.5 |
| Clever Care Total Choice+ (HMO C-SNP) Clever Care Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $499 | $0 | ★★★★★4.5 |
| Clever Care Breathe+ (HMO C-SNP) Clever Care Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Clever Care Total+ (HMO C-SNP) Clever Care Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4.5 |
| Kaiser Permanente Dual Complete South P1 (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 |
| SCAN Balance (HMO C-SNP) SCAN Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $900 | $370 | ★★★★★4 |
| Astiva Health C-SNP Bloom (HMO C-SNP) Astiva Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $0 | ★★★★★4 |
| Astiva Health C-SNP Deluxe (HMO C-SNP) Astiva Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $0 | ★★★★★4 |
| Astiva Health C-SNP Fountain (HMO C-SNP) Astiva Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $2,000 | $0 | ★★★★★4 |
| Astiva Health C-SNP WOW (HMO C-SNP) Astiva Health · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,250 | $500 | ★★★★★4 |
| Blue Shield Medicare + Medi-Cal Plan (HMO D-SNP) Blue Shield of California · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★4 |
| SCAN Connections at Home (HMO D-SNP) SCAN Health Plan · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $175 | ★★★★★4 |
| SCAN Connections (HMO D-SNP) SCAN Health Plan · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $175 | ★★★★★4 |
| SCAN Strive (HMO C-SNP) SCAN Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $450 | ★★★★★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 054 (HMO C-SNP) Alignment Health Plan · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $990 | $0 | ★★★★★3.5 |
| 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 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 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 |
| 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 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 |
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,500 | $700 | ★★★★★3 |
| UHC Sharp Complete Care CA-15P (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $4,450 | $355 | ★★★★★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 Sharp Complete Care Support CA-6AP (HMO C-SNP) UnitedHealthcare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of California · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★3 |
| CommuniCare Advantage (HMO D-SNP) Community Health Group · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $7.30 | $9,850 | $700 | ★★★★★2.5 |
| 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 |
| Community y Más (HMO C-SNP) Community Health Group · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $1,500 | $700 | 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 |
What changed from 2026 to 2027
- 18 plans are new here for 2027.
- 26 plans offered here in 2026 aren't listed for 2027 (for example Aetna Medicare Signature Extra (HMO), Astiva Health Premier Plan (HMO), Alignment Health the ONE (HMO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 67 plans offered both years, 3 raised the monthly premium and 14 lowered it.
Compared by plan ID. Plans that were renamed or merged into another plan may appear as new or ended.
Care quality in San Diego 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 San Diego County, CA for 2027?
85 plans from 15 insurers: 46 general plans open to anyone with Medicare Parts A and B who lives here, plus 39 Special Needs Plans for people who qualify.
Are there $0-premium Medicare Advantage plans in San Diego County, CA?
Yes. 37 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 San Diego County, CA?
Clever Care Longevity (HMO) from Clever Care Health Plan 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 San Diego County, CA?
Imperial Dynamic Plan (HMO) caps in-network out-of-pocket costs at $295 for 2027.