Medicare Advantage plans in Santa Cruz, AZ, 2027
Santa Cruz, Arizona has 17 Medicare Advantage plans open to everyone for 2027 (20 in 2026) and 11 special needs plans, according to the CMS landscape files; 14 of the open plans have a $0 premium. 6 plans that served the county in 2026 end or leave it, with 578 members living here in September 2026.
What changes in Santa Cruz for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 20 | 17 | ▼down 3 |
| Special needs plans | 13 | 11 | ▼down 2 |
| Plans with a $0 premium | 16 | 14 | ▼down 2 |
| Plans that lower the Part B premium | 8 | 6 | ▼down 2 |
| Median out-of-pocket limit | $5,950 | $7,000 | ▲up $1,050 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Santa Cruz join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Alignment Health ONE + Walgreens 002H3443-002 · HMO | $0 | $2,499 | none | 4 of 5 |
| Wellpoint Medicare AdvantageH1423-009 · HMO-POS | $0 | $3,000 | none | 3 of 5 |
| Alignment Health Smart 005H3443-005 · HMO | $0 | $3,900 | $120 | 4 of 5 |
| Humana USAA Honor GivebackH5216-436 · PPO | $0 | $5,150 | $135 | 3.5 of 5 |
| HumanaChoiceH5216-263 · PPO | $0 | $5,999 | none | 3.5 of 5 |
| HumanaChoiceR7220-001 · Regional PPO | $0 | $6,000 | none | 2.5 of 5 |
| Devoted Choice 002 AZH6586-002 · PPO | $0 | $6,100 | none | 3 of 5 |
| Devoted Core 007 AZH8173-007 · HMO | $0 | $6,750 | none | 3.5 of 5 |
| Devoted Choice MA Only 005 AZH6586-005 · PPO | $0 | $7,000 | $184.70 | 3 of 5 |
| AARP Medicare Advantage from UHC AZ-0010H2406-076 · PPO | $0 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage Patriot No Rx AZ-MA01H2406-077 · PPO | $0 | $7,150 | $105 | 4 of 5 |
| Humana Essentials Plus GivebackH5216-435 · PPO | $0 | $7,850 | $97 | 3.5 of 5 |
| Devoted Choice Giveback 006 AZH6586-006 · PPO | $0 | $9,450 | $125.60 | 3 of 5 |
| Wellcare SimpleH0351-071 · HMO | $0 | $9,800 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC AZ-0013H5253-035 · HMO-POS | $60 | $7,150 | none | 4 of 5 |
| AARP Medicare Advantage from UHC AZ-0008H2406-063 · PPO | $64 | $7,150 | none | 4 of 5 |
| HumanaChoiceR7220-002 · Regional PPO | $110 | $7,150 | none | 2.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Santa Cruz in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Wellcare SimpleH0351-053 | 412 | Not offered |
| AARP Medicare Advantage CareFlex from UHC AZ-17H5253-178 | 114 | Not offered |
| Wellcare Specialty SimpleH0351-057 | 27 | Not offered |
| Wellcare GivebackH0351-054 | 25 | Not offered |
| AARP Medicare Advantage Access from UHC AZ-15H2406-129 | fewer than 11 | Not offered |
| Wellcare Arizona Complete Health Dual AlignH5590-010 | fewer than 11 | Not offered |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| Alignment Health Heart & Diabetes 003H3443-003 | Chronic or Disabling Condition | $0 |
| Alignment Health Heart & Diabetes Plus 007H3443-007 | Chronic or Disabling Condition | $0 |
| UHC Dual Complete AZ-S001H0321-002 | Dual-Eligible | $0 |
| UHC Complete Care Support AZ-1AH2001-036 | Chronic or Disabling Condition | $0 |
| Wellcare Arizona Complete Health Dual Liberty SyncH5590-012 | Dual-Eligible | $0 |
| Devoted C-SNP Plus 027 AZH8173-027 | Chronic or Disabling Condition | $0 |
| Mercy Care AdvantageH5580-005 | Dual-Eligible | $16.10 |
| UHC Dual Complete AZ-YLH0321-004 | Dual-Eligible | $16.80 |
| Alignment Health Heart & Diabetes Plus 006H3443-006 | Chronic or Disabling Condition | $16.80 |
| Banner Medicare Advantage DualH4931-007 | Dual-Eligible | $16.80 |
| Banner Medicare Advantage DualH4931-015 | Dual-Eligible | $16.80 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Santa Cruz use Medicare Advantage?
8,097 of the county's 12,340 people with Medicare were in a Medicare Advantage plan in September 2026, 65.6%; in Arizona as a whole the share is 51.6%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in ArizonaEvery county of the state
- 9 stand-alone drug plans in ArizonaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027