For 2027, San Diego County has 46 Medicare Advantage plans open to anyone with Medicare (down from 60 in 2026), 37 of them with a $0 monthly premium (down from 51), plus 39 special needs plans. California has 10 stand-alone drug plans, from $5.30 to $252.60 a month.
- The yearly cap on drug costs rises to $2,400 in 2027 (from $2,100 in 2026).
- The top drug deductible is $700 (from $615).
- 19 of the 38 plans continuing from 2026 raised their in-network out-of-pocket maximum.
- 26 plans from CMS's 2026 San Diego list aren't in 2027's, and about 31,004 people in San Diego County are enrolled in them (September 2026, CMS). Is yours one?
From CMS's own 2027 and 2026 plan files (the "Landscape" files), rebuilt every morning. Open Enrollment is October 15 to December 7. Can I change my plan now?
Is your plan ending?
These 26 plans were in San Diego County for 2026 and aren't in CMS's 2027 list: about 31,004 people in San Diego County were enrolled in them in September 2026, including 17,247 with Sharp Health Plan, 5,751 with Aetna Medicare, 3,474 with Humana. Some companies move members into a new plan of theirs; others send a letter saying the plan won't renew. Your plan's September letter says which.
- Sharp Direct Advantage VIP (HMO) (Sharp Health Plan, 10,102 members in San Diego County)
- Sharp Direct Advantage VIP Plus (HMO) (Sharp Health Plan, 4,507 members in San Diego County)
- HumanaChoice H5525-077 (PPO) (Humana, 3,201 members in San Diego County)
- Aetna Medicare Signature (PPO) (Aetna Medicare, 2,554 members in San Diego County)
- Sharp Direct Advantage Gold (HMO) (Sharp Health Plan, 2,028 members in San Diego County)
- Aetna Medicare Enhanced (PPO) (Aetna Medicare, 1,358 members in San Diego County)
- Aetna Medicare Signature (HMO) (Aetna Medicare, 1,355 members in San Diego County)
- Central Health Part B Savings Plan (HMO) (Central Health Medicare Plan, 695 members in San Diego County)
- Alignment Health Advantage PPO (PPO) (Alignment Health Plan, 613 members in San Diego County)
- Sharp Direct Advantage Platinum (HMO) (Sharp Health Plan, 610 members in San Diego County)
- Molina Medicare Choice Care (HMO) (Molina Healthcare of California, 595 members in San Diego County)
- Central Health Classic Care Plan I (HMO) (Central Health Medicare Plan, 544 members in San Diego County)
- Aetna Medicare Eagle (PPO) (Aetna Medicare, 467 members in San Diego County)
- Alignment Health Honor+ Plan (HMO) (Alignment Health Plan, 412 members in San Diego County)
- Central Health Embrace Care Plan (HMO C-SNP) (Central Health Medicare Plan, 377 members in San Diego County)
- SCAN MyChoice (HMO) (SCAN Health Plan, 321 members in San Diego County)
- Humana Gold Plus H5619-148 (HMO) (Humana, 273 members in San Diego County)
- Anthem Kidney Care (PPO C-SNP) (Anthem Blue Cross Life and Health Insurance Company, 183 members in San Diego County)
- Alignment Health the ONE (HMO) (Alignment Health Plan, 177 members in San Diego County)
- Central Health Embrace Choice Plan (HMO C-SNP) (Central Health Medicare Plan, 153 members in San Diego County)
- SCAN Affirm partnered with Included LGBTQ+ Health (HMO) (SCAN Health Plan, 142 members in San Diego County)
- Astiva Health Premier Plan (HMO) (Astiva Health, 128 members in San Diego County)
- Alignment Health Freedom (PPO) (Alignment Health Plan, 124 members in San Diego County)
- Central Health Valor Care Plan (HMO) (Central Health Medicare Plan, 68 members in San Diego County)
- Aetna Medicare Signature Extra (HMO) (Aetna Medicare, 17 members in San Diego County)
- Champion Select (HMO-POS C-SNP) (Champion Heath Plan)
If your plan isn't renewed, Medicare.gov says you can switch to another plan between December 8 and the last day of February, on top of Open Enrollment, and if you don't join another Medicare Advantage plan before yours ends, you'll be enrolled in Original Medicare. (Medicare.gov, special enrollment periods.)
Every 2027 Medicare Advantage plan open to anyone
46 plans
| Plan | Monthly premium | Drug coverage | In-network out-of-pocket max | vs 2026 |
|---|---|---|---|---|
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · HMO | $0 | yes, deductible $0 | $295 | max was $296 |
| Blue Shield Advantage (HMO) Blue Shield of California · HMO | $0 | yes, deductible $300 | $499 | new for 2027 |
| Champion Ally (HMO) Champion Heath Plan · HMO | $0 | yes, deductible $0 | $499 | max was $199 |
| Clever Care Longevity (HMO) Clever Care Health Plan · HMO | $0 | yes, deductible $0 | $499 | max was $500 |
| Blue Shield Value Advantage Plan (HMO) Blue Shield of California · HMO | $0 | yes, deductible $300 | $500 | new for 2027 |
| SCAN Alta (HMO) SCAN Health Plan · HMO | $0 | yes, deductible $370 | $900 | max was $500 |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan · HMO | $0 | yes, deductible $370 | $900 | new for 2027 |
| Alignment Health Platinum + Instacart 016 (HMO-POS) Alignment Health Plan · HMO-POS | $0 | yes, deductible $0 | $1,100 | max was $998 |
| Blue Shield 65 Plus (HMO) Blue Shield of California · HMO | $0 | yes, deductible $300 | $1,800 | max was $1,750 |
| Clever Care Value (HMO) Clever Care Health Plan · HMO | $0 | yes, deductible $0 | $1,999 | max was $2,000 |
| Anthem Prime (HMO-POS) Anthem Blue Cross Partnership Plan · HMO-POS | $0 | yes, deductible $270 | $2,000 | same |
| Alignment Health Smart 056 (HMO) Alignment Health Plan · HMO | $0 | yes, deductible $700 | $2,400 | same |
| Alignment Health Smart 013 (HMO) Alignment Health Plan · HMO | $0 | yes, deductible $0 | $2,499 | same |
| Alignment Health Smart 047 (HMO) Alignment Health Plan · HMO | $0 | yes, deductible $700 | $2,899 | same |
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · HMO | $0 | no | $2,999 | same |
| Aetna Medicare Prime (HMO) Aetna Medicare · HMO | $0 | yes, deductible $400 | $3,000 | max was $1,500 |
| Anthem Select (HMO-POS) Anthem Blue Cross · HMO-POS | $0 | yes, deductible $200 | $3,000 | max was $2,500 |
| Humana Gold Plus H5619-016 (HMO) Humana · HMO | $0 | yes, deductible $200 | $3,000 | max was $1,900 |
| Humana Gold Plus H3767-001 (HMO) Humana · HMO | $0 | yes, deductible $200 | $3,300 | new for 2027 |
| Anthem Medicare Advantage (HMO-POS) Anthem Blue Cross · HMO-POS | $0 | yes, deductible $0 | $3,400 | same |
| Kaiser Permanente Senior Advantage San Diego (HMO) Kaiser Permanente · HMO | $0 | yes, deductible $0 | $3,400 | max was $1,800 |
| Astiva Health Savings Plan (HMO) Astiva Health · HMO | $0 | yes, deductible $0 | $3,450 | max was $3,045 |
| Alignment Health My Choice 050 (HMO) Alignment Health Plan · HMO | $0 | yes, deductible $0 | $3,499 | same |
| AARP Medicare Advantage from UHC CA-0012 (HMO-POS) UnitedHealthcare · HMO-POS | $0 | yes, deductible $355 | $3,900 | max was $2,500 |
| SCAN Classic (HMO) SCAN Health Plan · HMO | $0 | yes, deductible $370 | $4,200 | max was $3,400 |
| Blue Shield AdvantageOptimum Plan 1 (HMO) Blue Shield of California · HMO | $0 | yes, deductible $475 | $4,400 | max was $4,200 |
| Aetna Medicare Eagle (HMO) Aetna Medicare · HMO | $0 | no | $4,450 | new for 2027 |
| Kaiser Permanente Senior Advantage San Diego Value (HMO) Kaiser Permanente · HMO | $0 | yes, deductible $0 | $4,450 | max was $2,900 |
| UHC Sharp Medicare Advantage CA-001P (HMO-POS) UnitedHealthcare · HMO-POS | $0 | yes, deductible $355 | $4,450 | max was $3,300 |
| UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS) UnitedHealthcare · HMO-POS | $0 | yes, deductible $355 | $4,450 | max was $2,900 |
| UHC Sharp Medicare Advantage CA-026P (HMO-POS) UnitedHealthcare · HMO-POS | $0 | yes, deductible $355 | $4,450 | max was $2,900 |
| Humana Gold Plus Giveback H5619-150 (HMO) Humana · HMO | $0 | yes, deductible $700 | $5,000 | same |
| Humana USAA Honor Giveback (HMO) Humana · HMO | $0 | no | $5,250 | same |
| AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) UnitedHealthcare · HMO-POS | $0 | no | $5,900 | max was $4,900 |
| Alignment Health ValorCare 053 (HMO) Alignment Health Plan · HMO | $0 | yes, deductible $0 | $6,000 | same |
| Humana USAA Honor Giveback with Rx (PPO) Humana · PPO | $0 | yes, deductible $700 | $6,400 | same |
| Humana USAA Honor Giveback (PPO) Humana · PPO | $0 | no | $6,750 | same |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan · HMO | $7.30 | yes, deductible $700 | $9,850 | new for 2027 |
| Alignment Health Balance Plus 004 (PPO) Alignment Health Plan · PPO | $7.30 | yes, deductible $700 | $9,850 | new for 2027 |
| Aetna Medicare Signature Legacy (HMO) Aetna Medicare · HMO | $10 | yes, deductible $700 | $2,000 | premium was $0 |
| Wellcare Low Premium Focus (HMO) Wellcare · HMO | $27 | yes, deductible $700 | $4,150 | premium was $30 |
| AARP Medicare Advantage from UHC CA-0001 (HMO-POS) UnitedHealthcare · HMO-POS | $29 | yes, deductible $355 | $5,300 | same |
| Wellcare Low Premium (HMO) Wellcare · HMO | $47 | yes, deductible $700 | $4,500 | premium was $50, max was $4,150 |
| AARP Medicare Advantage from UHC CA-0007 (HMO-POS) UnitedHealthcare · HMO-POS | $52 | yes, deductible $355 | $3,800 | premium was $53 |
| SCAN Select (HMO) SCAN Health Plan · HMO | $80 | yes, deductible $700 | $4,450 | premium was $75, max was $3,400 |
| Alignment Health Advantage 005 (PPO) Alignment Health Plan · PPO | $160 | yes, deductible $700 | $4,451 | new for 2027 |
Premium is the plan's own monthly premium; you keep paying your Part B premium too. Sorted by premium, then out-of-pocket max: that's an order, not a ranking. Doctors, hospitals and your drugs are what decide it, and only Medicare's Plan Finder shows those. CMS releases the 2027 star ratings in October; they'll show here when they do.
Special needs plans
Only for people with Medi-Cal and Medicare, or with certain chronic conditions; the plan checks.
| Plan | For | Monthly premium |
|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare | Chronic condition | $0 |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) Alignment Health Plan | Chronic condition | $0 |
| Alignment Health Clarity Plus 042 (HMO C-SNP) Alignment Health Plan | Chronic condition | $7.30 |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) Alignment Health Plan | Chronic condition | $0 |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) Alignment Health Plan | Chronic condition | $0.10 |
| Alignment Health Heart & Diabetes 054 (HMO C-SNP) Alignment Health Plan | Chronic condition | $0 |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) Alignment Health Plan | Chronic condition | $7.30 |
| Anthem Kidney Care (PPO C-SNP) Anthem Blue Cross and Blue Shield | Chronic condition | $0 |
| Astiva Health C-SNP Bloom (HMO C-SNP) Astiva Health | Chronic condition | $0 |
| Astiva Health C-SNP Deluxe (HMO C-SNP) Astiva Health | Chronic condition | $0 |
| Astiva Health C-SNP Fountain (HMO C-SNP) Astiva Health | Chronic condition | $0 |
| Astiva Health C-SNP WOW (HMO C-SNP) Astiva Health | Chronic condition | $0 |
| Champion Advantage (HMO-POS C-SNP) Champion Heath Plan | Chronic condition | $0 |
| Champion Care (HMO C-SNP) Champion Heath Plan | Chronic condition | $0 |
| Champion Choice (HMO C-SNP) Champion Heath Plan | Chronic condition | $2.60 |
| Champion Compass (HMO C-SNP) Champion Heath Plan | Chronic condition | $0 |
| Champion Connect (HMO-POS C-SNP) Champion Heath Plan | Chronic condition | $0 |
| Champion Home (HMO C-SNP) Champion Heath Plan | Chronic condition | $0 |
| Champion Plus (HMO C-SNP) Champion Heath Plan | Chronic condition | $7.30 |
| Champion Secure (HMO C-SNP) Champion Heath Plan | Chronic condition | $0 |
| Clever Care Breathe Select+ (HMO C-SNP) Clever Care Health Plan | Chronic condition | $0 |
| Clever Care Breathe+ (HMO C-SNP) Clever Care Health Plan | Chronic condition | $0 |
| Clever Care Total Choice+ (HMO C-SNP) Clever Care Health Plan | Chronic condition | $0 |
| Clever Care Total+ (HMO C-SNP) Clever Care Health Plan | Chronic condition | $0 |
| Community y Más (HMO C-SNP) Community Health Group | Chronic condition | $0 |
| Imperial Flex (HMO C-SNP) Imperial Health Plan of California, Inc. | Chronic condition | $2.70 |
| Imperial Senior Value (HMO C-SNP) Imperial Health Plan of California, Inc. | Chronic condition | $0 |
| SCAN Balance (HMO C-SNP) SCAN Health Plan | Chronic condition | $0 |
| SCAN Strive (HMO C-SNP) SCAN Health Plan | Chronic condition | $0 |
| UHC Sharp Complete Care CA-15P (HMO-POS C-SNP) UnitedHealthcare | Chronic condition | $0 |
| UHC Sharp Complete Care Support CA-6AP (HMO C-SNP) UnitedHealthcare | Chronic condition | $0 |
| Wellcare Specialty Simple (HMO C-SNP) Wellcare | Chronic condition | $0 |
| Blue Shield Medicare + Medi-Cal Plan (HMO D-SNP) Blue Shield of California | Medi-Cal + Medicare | $0 |
| CommuniCare Advantage (HMO D-SNP) Community Health Group | Medi-Cal + Medicare | $7.30 |
| Kaiser Permanente Dual Complete South P1 (HMO D-SNP) Kaiser Permanente | Medi-Cal + Medicare | $0 |
| Molina Medicare Complete Care Plus (HMO D-SNP) Molina Healthcare of California | Medi-Cal + Medicare | $7.30 |
| SCAN Connections (HMO D-SNP) SCAN Health Plan | Medi-Cal + Medicare | $0 |
| SCAN Connections at Home (HMO D-SNP) SCAN Health Plan | Medi-Cal + Medicare | $0 |
| Wellcare Health Net Dual Liberty (HMO D-SNP) Wellcare | Medi-Cal + Medicare | $0 |
Drug plans, if you have Original Medicare
| Plan | 2027 premium | 2026 premium | Deductible |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare | $5.30 | $5.70 | $700 (was $615) |
| Wellcare Classic (PDP) Wellcare | $7.30 | $6.20 | $700 (was $615) |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX | $9.30 | new | $700 |
| Humana Basic Rx Plan (PDP) Humana | $118.30 | $132.20 | $700 (was $615) |
| Humana Value Rx Plan (PDP) Humana | $130.30 | $104.60 | $687 (was $601) |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare | $170.80 | $109.40 | $700 (was $615) |
| Humana Premier Rx Plan (PDP) Humana | $191.20 | $172.90 | $350 (was $0) |
| Blue Shield Rx Plus (PDP) Blue Shield of California | $210 | $199.70 | $700 (was $615) |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare | $242.60 | $165.40 | $300 (was $130) |
| Blue Shield Rx Enhanced (PDP) Blue Shield of California | $252.60 | $227.80 | $200 (was $0) |
Statewide plans, so the same in every California county. Low income? Extra Help pays most drug plan costs.
Choosing, without the sales pitch
- Check your doctors and your drugs on Medicare's Plan Finder. A $0 plan that leaves out your doctor or your drug isn't $0.
- Free, unbiased counseling: HICAP, run in San Diego by Elder Law & Advocacy, 1-800-434-0222. They don't sell insurance.
- Nobody from Medicare calls to sell you a plan. Medicare scams this fall.
PJ can sit with you or a parent for the Medicare.gov login, getting the doctors and drugs into Plan Finder, and the paperwork. He doesn't sell insurance, recommend plans or take anything from any plan. Plans start as low as $25. Text PJ.
Sources: CMS CY2027 and CY2026 Medicare Advantage and Part D Landscape files; Medicare.gov. Checked October 13, 2026. More: Open Enrollment, free help · what can a parent get? · the 2027 Social Security raise, for your check
Need a human?
This page is built every morning from public data by SideGuy, run by PJ, a local in Solana Beach. If something looks off, or you want a hand with your plans, text PJ at 858-461-8054. A real person answers.
Local help, free to read: make your fix plan · senior benefits checkup · lower your SDG&E bill · Medicare Extra Help · every 2027 Medicare plan · is my medication recalled? · the next 90 days. Plans start as low as $25. Your parent lives here and you don't? The Parent Check-In Plan, $25 a month.
Questions people ask
How many Medicare Advantage plans are in San Diego County for 2027?
46 plans open to anyone with Medicare, down from 60 in 2026, 37 of them with a $0 monthly premium, plus 39 special needs plans (CMS's 2027 Landscape file).
How many people in San Diego County are in a Medicare plan that's ending?
About 31,004, from CMS's September 2026 enrollment counts for the 26 San Diego County plans that aren't in CMS's 2027 list, including 17,247 with Sharp Health Plan, 5,751 with Aetna Medicare, 3,474 with Humana.
Which Medicare Advantage plans are ending in San Diego County after 2026?
26 plans in CMS's 2026 San Diego County list aren't in 2027's, from Aetna Medicare, Alignment Health Plan, Anthem Blue Cross Life and Health Insurance Company, Astiva Health, Central Health Medicare Plan, Champion Heath Plan, Humana, Molina Healthcare of California, SCAN Health Plan and Sharp Health Plan. Some members are moved to a new plan by the same company; the plan's September letter says which.
What is the Medicare Part D out-of-pocket limit for 2027?
$2,400 for the year, up from $2,100 in 2026, in CMS's 2027 plan file.
What are the lowest-premium Medicare drug plans in California for 2027?
By monthly premium: Wellcare Value Script (PDP) $5.30, Wellcare Classic (PDP) $7.30, HealthSpring Assurance Rx (PDP) $9.30. The right one depends on your drugs; check them on Medicare's Plan Finder.
What happens if my Medicare Advantage plan isn't renewed for 2027?
Medicare.gov says you can switch to another plan between December 8 and the last day of February (as well as during Open Enrollment, October 15 to December 7). If you don't join another Medicare Advantage plan before yours ends, you'll be enrolled in Original Medicare.
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