Medicare Advantage plans in Imperial, CA, 2027
Imperial, California has 5 Medicare Advantage plans open to everyone for 2027 (8 in 2026) and 12 special needs plans, according to the CMS landscape files; 3 of the open plans have a $0 premium. 8 plans that served the county in 2026 end or leave it, with 3,417 members living here in September 2026.
What changes in Imperial for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 8 | 5 | ▼down 3 |
| Special needs plans | 13 | 12 | ▼down 1 |
| Plans with a $0 premium | 6 | 3 | ▼down 3 |
| Plans that lower the Part B premium | 4 | 2 | ▼down 2 |
| Median out-of-pocket limit | $3,299.50 | $2,999 | ▼down $300.50 |
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 Imperial join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Imperial Dynamic PlanH5496-012 · HMO | $0 | $295 | $15 | 3.5 of 5 |
| Champion AllyH6170-007 · HMO | $0 | $499 | none | not rated (too little data) |
| Imperial Courage PlanH5496-016 · HMO | $0 | $2,999 | $85 | 3.5 of 5 |
| Wellcare Low Premium FocusH0562-012 · HMO | $27 | $4,150 | none | 3.5 of 5 |
| Wellcare Low PremiumH0562-137 · HMO | $47 | $4,500 | none | 3.5 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 Imperial 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 |
|---|---|---|
| Central Health Classic Care Plan IIH5649-028 | 1,198 | Not offered |
| Central Health Embrace Care PlanH5649-025 | 698 | Not offered |
| Molina Medicare Complete CareH3038-002 | 662 | Not offered |
| Central Health Embrace Choice PlanH5649-026 | 359 | Not offered |
| Molina Medicare Choice CareH5810-014 | 315 | Not offered |
| Central Health Dual Access PlanH5649-024 | 167 | Not offered |
| Central Health Valor Care PlanH5649-030 | 18 | Not offered |
| Champion SelectH6170-003 | 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 |
|---|---|---|
| Imperial Senior ValueH5496-005 | Chronic or Disabling Condition | $0 |
| Champion CareH6170-008 | Chronic or Disabling Condition | $0 |
| Champion AdvantageH6170-001 | Chronic or Disabling Condition | $0 |
| Champion CompassH6170-015 | Chronic or Disabling Condition | $0 |
| Wellcare Health Net Dual LibertyH3561-009 | Dual-Eligible | $0 |
| Champion ConnectH6170-002 | Chronic or Disabling Condition | $0 |
| Champion HomeH6170-016 | Chronic or Disabling Condition | $0 |
| Champion SecureH6170-017 | Chronic or Disabling Condition | $0 |
| Champion ChoiceH6170-009 | Chronic or Disabling Condition | $2.60 |
| Imperial FlexH5496-017 | Chronic or Disabling Condition | $2.70 |
| Community Advantage PlusH1671-001 | Dual-Eligible | $7.30 |
| Champion PlusH6170-010 | Chronic or Disabling Condition | $7.30 |
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 Imperial use Medicare Advantage?
14,173 of the county's 38,315 people with Medicare were in a Medicare Advantage plan in September 2026, 37.0%; in California as a whole the share is 51.5%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in CaliforniaEvery county of the state
- 10 stand-alone drug plans in CaliforniaIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027