2027 plan year · California
2027 Medicare Advantage plans in San Francisco County, CA
46 plans from 12 insurers for 2027. 13 general plans have a $0 monthly premium. The lowest in-network out-of-pocket limit is $295.
- 25general plans
- 13$0-premium plans
- $295lowest out-of-pocket max
- 4.5 ★top star rating
- 21Special Needs Plans
2027 Medicare Advantage plans in San Francisco 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 SF (HMO) Kaiser Permanente · HMO · includes drug coverage | $28 | $6,000 | $0 | ★★★★★4.5 |
| Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) Kaiser Permanente · HMO · includes drug coverage | $105 | $3,900 | $0 | ★★★★★4.5 |
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · HMO · includes drug coverage | $0 | $295 | $0 | ★★★★★4 |
| SCAN Classic (HMO) SCAN Health Plan · HMO · includes drug coverage | $0 | $2,500 | $450 | ★★★★★4 |
| SCAN Allied (HMO) SCAN Health Plan · HMO · includes drug coverage | $0 | $2,900 | $75 | ★★★★★4 |
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · HMO · no drug coverage | $0 | $2,999 | — | ★★★★★4 |
| Humana USAA Honor Giveback (PPO) Humana · PPO · no drug coverage | $0 | $6,500 | — | ★★★★★4 |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan · HMO · includes drug coverage | $2 | $2,500 | $450 | ★★★★★4 |
| SCAN Inclusive (HMO) SCAN Health Plan · HMO · includes drug coverage | $2 | $2,500 | $250 | ★★★★★4 |
| Sutter Senior Advantage, a SCAN Medicare Plan (HMO) SCAN Health Plan · HMO · includes drug coverage | $49 | $4,900 | $0 | ★★★★★4 |
| HumanaChoice H5525-087 (PPO) Humana · PPO · includes drug coverage | $96 | $7,150 | $700 | ★★★★★4 |
| Alignment Health Platinum + Instacart 016 (HMO-POS) Alignment Health Plan · HMO-POS · includes drug coverage | $0 | $1,100 | $0 | ★★★★★3.5 |
| Central Health Harmony 031 (HMO) Alignment Health Plan · HMO · 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 |
| Anthem Select (HMO-POS) Anthem Blue Cross · HMO-POS · includes drug coverage | $0 | $7,550 | $160 | ★★★★★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 | $30.50 | $9,250 | $700 | ★★★★★3.5 |
| Alignment Health Sutter Advantage +More (HMO) Alignment Health Plan · HMO · includes drug coverage | $50 | $4,900 | $0 | ★★★★★3.5 |
| Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan · HMO-POS · includes drug coverage | $0 | $2,500 | $440 | ★★★★★3 |
| CCHP Senior Value Program (HMO) CCHP (Chinese Community Health Plan) · HMO · includes drug coverage | $0 | $3,500 | $0 | ★★★★★3 |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare · HMO · includes drug coverage | $0 | $3,600 | $400 | ★★★★★3 |
| Aetna Medicare Eagle (HMO) Aetna Medicare · HMO · no drug coverage | $0 | $4,450 | — | ★★★★★3 |
| CCHP Senior Program (HMO) CCHP (Chinese Community Health Plan) · HMO · includes drug coverage | $38 | $3,000 | $0 | ★★★★★3 |
| AARP Medicare Advantage from UHC CA-9 (HMO-POS) UnitedHealthcare · HMO-POS · includes drug coverage | $71 | $5,900 | $685 | ★★★★★3 |
| Aetna Medicare Signature (HMO) Aetna Medicare · HMO · includes drug coverage CMS low performer | $10 | $3,900 | $700 | ★★★★★2.5 |
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 |
|---|---|---|---|---|
| Kaiser Permanente Dual Complete North P19 (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 | $1,900 | $450 | ★★★★★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 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 |
| Wellcare Specialty Simple Focus (HMO C-SNP) Wellcare · HMO C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,250 | $700 | ★★★★★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 Duals+ 030 (HMO D-SNP) Alignment Health Plan · HMO D-SNP (Special Needs: Dual-Eligible) · 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 | $3,600 | $700 | ★★★★★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 |
| CCHP Senior Select Program (HMO D-SNP) CCHP (Chinese Community Health Plan) · HMO D-SNP (Special Needs: Dual-Eligible) · includes drug coverage | $0 | $9,850 | $700 | ★★★★★3 |
| UHC Complete Care Support CA-8AP (HMO-POS C-SNP) UnitedHealthcare · HMO-POS C-SNP (Special Needs: Chronic or Disabling Condition) · includes drug coverage | $0 | $9,850 | $100 | ★★★★★3 |
| Premier Care (HMO I-SNP) Align Senior Care · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $0 | $1,900 | $50 | Not enough data available |
| Senior Care (HMO I-SNP) Align Senior Care · HMO I-SNP (Special Needs: Institutional) · includes drug coverage | $7.30 | $9,850 | $700 | Not enough data available |
| SFHP Care Plus (HMO D-SNP) San Francisco Health Plan · 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
- 7 plans are new here for 2027.
- 12 plans offered here in 2026 aren't listed for 2027 (for example Advantage Care (HMO), Alignment Health Honor+ Plan (HMO), SCAN Affirm partnered with Included LGBTQ+ Health (HMO)). If yours is one of them, the plan should send you a notice explaining your options.
- Of the 39 plans offered both years, 8 raised the monthly premium and 9 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 Francisco 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 Francisco County, CA for 2027?
46 plans from 12 insurers: 25 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 San Francisco County, CA?
Yes. 13 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 Francisco County, CA?
Kaiser Permanente Senior Advantage Basic SF (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 San Francisco County, CA?
Imperial Dynamic Plan (HMO) caps in-network out-of-pocket costs at $295 for 2027.