Medicare Advantage plans in San Bernardino, CA, 2027
San Bernardino, California has 49 Medicare Advantage plans open to everyone for 2027 (58 in 2026) and 46 special needs plans, according to the CMS landscape files; 44 of the open plans have a $0 premium. 14 plans that served the county in 2026 end or leave it, with 4,450 members living here in September 2026.
What changes in San Bernardino for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 58 | 49 | ▼down 9 |
| Special needs plans | 40 | 46 | ▲up 6 |
| Plans with a $0 premium | 53 | 44 | ▼down 9 |
| Plans that lower the Part B premium | 20 | 18 | ▼down 2 |
| Median out-of-pocket limit | $1,650 | $1,800 | ▲up $150 |
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 San Bernardino join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Imperial Dynamic PlanH5496-012 · HMO | $0 | $295 | $15 | 3.5 of 5 |
| Aetna Medicare PrimeH0523-088 · HMO | $0 | $299 | none | 3 of 5 |
| Aetna Medicare Prime ExtraH4982-026 · HMO | $0 | $299 | none | 3 of 5 |
| SCAN ClassicH5425-009 · HMO | $0 | $399 | none | 4 of 5 |
| SCAN Costco Medicare AdvantageH5425-144 · HMO | $0 | $399 | none | 4 of 5 |
| Champion AllyH6170-007 · HMO | $0 | $499 | none | not rated (too little data) |
| Clever Care LongevityH7607-014 · HMO | $0 | $499 | none | 4 of 5 |
| Elite Signature HMOH6368-001 · HMO | $0 | $500 | none | not rated (too new) |
| Alignment Health My Choice 001H3815-001 · HMO | $0 | $550 | none | 4 of 5 |
| Aetna Medicare Signature ExtraH0523-089 · HMO | $0 | $599 | none | 3 of 5 |
| Aetna Medicare SignatureH4982-002 · HMO | $0 | $599 | none | 3 of 5 |
| Aetna Medicare Prime Value PlusH4982-022 · HMO | $0 | $599 | none | 3 of 5 |
| Humana Gold PlusH5619-178 · HMO | $0 | $799 | none | 3 of 5 |
| Anthem PrimeH4161-002 · HMO-POS | $0 | $800 | none | 3 of 5 |
| Blue Shield 65 Plus Choice PlanH0504-040 · HMO | $0 | $950 | none | 4 of 5 |
| AARP Medicare Advantage from UHC CA-0015H0543-166 · HMO-POS | $0 | $999 | none | 4 of 5 |
| AARP Medicare Advantage from UHC CA-006PH0543-170 · HMO-POS | $0 | $999 | $12 | 4 of 5 |
| AARP Medicare Advantage from UHC CA-022PH0543-221 · HMO-POS | $0 | $999 | $13 | 4 of 5 |
| AARP Medicare Advantage Giveback from UHC CA-32PH0543-238 · HMO-POS | $0 | $999 | $40 | 4 of 5 |
| SCAN InclusiveH5425-158 · HMO | $0 | $999 | none | 4 of 5 |
Show the other 29 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Wellcare Simple FocusH0562-126 · HMO | $0 | $1,000 | none | 3.5 of 5 |
| Anthem I CareMore Premium SavingsH4161-012 · HMO-POS | $0 | $1,000 | $62 | 3 of 5 |
| Anthem I CareMore Medicare AdvantageH4161-013 · HMO-POS | $0 | $1,000 | none | 3 of 5 |
| Anthem I CareMore Medicare Advantage 2H0544-002 · HMO-POS | $0 | $1,500 | none | 3 of 5 |
| Anthem SelectH0544-066 · HMO-POS | $0 | $1,800 | none | 3 of 5 |
| SCAN VentureH5425-085 · HMO | $0 | $1,900 | $38 | 4 of 5 |
| Clever Care ValueH7607-015 · HMO | $0 | $1,999 | $120 | 4 of 5 |
| Elite Core HMOH6368-002 · HMO | $0 | $2,400 | $154 | not rated (too new) |
| Alignment Health Smart 013H3815-013 · HMO | $0 | $2,499 | $150 | 4 of 5 |
| Kaiser Permanente Senior Advantage Inland EmpireH0524-015 · HMO | $0 | $2,500 | none | 4.5 of 5 |
| Blue Shield 65 PlusH0504-017 · HMO | $0 | $2,550 | none | 4 of 5 |
| Alignment Health Smart 047H3815-047 · HMO | $0 | $2,899 | $146 | 4 of 5 |
| Imperial Courage PlanH5496-016 · HMO | $0 | $2,999 | $85 | 3.5 of 5 |
| Humana Gold PlusH5619-191 · HMO | $0 | $3,200 | none | 3 of 5 |
| Astiva Health Savings PlanH1993-001 · HMO | $0 | $3,450 | $186 | 4 of 5 |
| Alignment Health My Choice 050H3815-050 · HMO | $0 | $3,499 | none | 4 of 5 |
| HumanaChoiceH5525-075 · PPO | $0 | $4,350 | none | 3.5 of 5 |
| Kaiser Permanente Sr Advantage Inland Empire ValueH0524-081 · HMO | $0 | $4,450 | none | 4.5 of 5 |
| Humana Gold Plus GivebackH5619-150 · HMO | $0 | $5,000 | $42 | 3 of 5 |
| Humana USAA Honor GivebackH5619-121 · HMO | $0 | $5,250 | $45 | 3 of 5 |
| AARP Medicare Advantage Patriot No Rx CA-MA1PH0543-121 · HMO-POS | $0 | $5,900 | $25 | 4 of 5 |
| Alignment Health ValorCare 053H3815-053 · HMO | $0 | $6,000 | $119 | 4 of 5 |
| Humana USAA Honor Giveback with RxH5525-057 · PPO | $0 | $6,400 | $55 | 3.5 of 5 |
| Humana USAA Honor GivebackH5525-078 · PPO | $0 | $6,750 | $90 | 3.5 of 5 |
| Alignment Health Honor Plus 060H3815-060 · HMO | $7.30 | $9,850 | none | 4 of 5 |
| Aetna Medicare Signature LegacyH0523-022 · HMO | $10 | $2,000 | none | 3 of 5 |
| SCAN PrimeH5425-065 · HMO | $20 | $2,499 | none | 4 of 5 |
| Wellcare Low PremiumH0562-137 · HMO | $47 | $4,500 | none | 3.5 of 5 |
| HumanaChoiceH5525-074 · PPO | $49 | $3,650 | 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 San Bernardino 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 GivebackH5087-032 | 1,074 | Not offered |
| Central Health Medicare PlanH5649-001 | 995 | Not offered |
| Central Health Part B Savings PlanH5649-029 | 590 | Not offered |
| Alignment Health Honor+ PlanH3815-052 | 383 | Leaves the county |
| Central Health Embrace Care PlanH5649-025 | 322 | Not offered |
| Central Health Classic Care Plan IH5649-027 | 240 | Not offered |
| SCAN Affirm partnered with Included LGBTQ+ HealthH5425-092 | 215 | Not offered |
| Astiva Health Premier PlanH1993-015 | 166 | Not offered |
| Molina Medicare Choice CareH5810-014 | 153 | Not offered |
| SCAN MyChoiceH5425-108 | 146 | Not offered |
| Central Health Embrace Choice PlanH5649-026 | 131 | Not offered |
| Alignment Health the ONEH3815-034 | 35 | Leaves the county |
| Central Health Valor Care PlanH5649-030 | fewer than 11 | 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 |
| Aetna Medicare Chronic CareH0523-097 | Chronic or Disabling Condition | $0 |
| SCAN BalanceH5425-104 | Chronic or Disabling Condition | $0 |
| Champion CareH6170-008 | Chronic or Disabling Condition | $0 |
| Clever Care Total Choice+H7607-018 | Chronic or Disabling Condition | $0 |
| Clever Care Breathe Select+H7607-019 | Chronic or Disabling Condition | $0 |
| Anthem I CareMore Lung CareH0544-019 | Chronic or Disabling Condition | $0 |
| Anthem I CareMore Chronic Care 2H4161-015 | Chronic or Disabling Condition | $0 |
| Anthem I CareMore Lung Care 2H4161-017 | Chronic or Disabling Condition | $0 |
| Alignment Health Heart & Diabetes 054H3815-054 | Chronic or Disabling Condition | $0 |
| UHC Complete Care CA-20PH0543-219 | Chronic or Disabling Condition | $0 |
| Champion AdvantageH6170-001 | Chronic or Disabling Condition | $0 |
| Champion CompassH6170-015 | Chronic or Disabling Condition | $0 |
| Anthem I CareMore Chronic CareH0544-010 | Chronic or Disabling Condition | $0 |
| Wellcare Specialty SimpleH0562-092 | Chronic or Disabling Condition | $0 |
| SCAN EmbraceH5425-091 | Institutional | $0 |
| Anthem I CareMore Kidney CareH0544-020 | Chronic or Disabling Condition | $0 |
| Alignment Health Heart & Diabetes 010H3815-010 | Chronic or Disabling Condition | $0 |
| Astiva Health C-SNP DeluxeH1993-007 | Chronic or Disabling Condition | $0 |
| Astiva Health C-SNP FountainH1993-019 | Chronic or Disabling Condition | $0 |
Show the other 26 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Astiva Health C-SNP BloomH1993-020 | Chronic or Disabling Condition | $0 |
| SCAN DaVita Dialysis CareH5943-005 | Chronic or Disabling Condition | $0 |
| Astiva Health C-SNP WOWH1993-008 | Chronic or Disabling Condition | $0 |
| UHC Complete Care Support CA-3APH0543-241 | Chronic or Disabling Condition | $0 |
| SCAN ConnectionsH0976-001 | Dual-Eligible | $0 |
| SCAN Connections at HomeH0976-002 | Dual-Eligible | $0 |
| Wellcare Health Net Dual LibertyH3561-009 | Dual-Eligible | $0 |
| Alignment Health BreathEasy Plus 041H3815-041 | Chronic or Disabling Condition | $0 |
| Alignment Health Heart & Diabetes Plus 044H3815-044 | Chronic or Disabling Condition | $0 |
| SCAN StriveH5425-097 | Chronic or Disabling Condition | $0 |
| SCAN Embrace TogetherH5425-132 | Institutional | $0 |
| SCAN DaVita Dialysis Care CompleteH5943-003 | Chronic or Disabling Condition | $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 |
| Clever Care Total+H7607-016 | Chronic or Disabling Condition | $0 |
| Clever Care Breathe+H7607-017 | Chronic or Disabling Condition | $0 |
| Kaiser Permanente Dual Complete South P6H8794-006 | Dual-Eligible | $0 |
| Alignment Health Heart & Diabetes 051H3815-051 | Chronic or Disabling Condition | $0.10 |
| Champion ChoiceH6170-009 | Chronic or Disabling Condition | $2.60 |
| Imperial FlexH5496-017 | Chronic or Disabling Condition | $2.70 |
| Molina Medicare Complete Care PlusH3038-004 | Dual-Eligible | $7.30 |
| Alignment Health Heart & Diabetes Plus 039H3815-039 | Chronic or Disabling Condition | $7.30 |
| Alignment Health Clarity Plus 042H3815-042 | Chronic or Disabling Condition | $7.30 |
| Champion PlusH6170-010 | Chronic or Disabling Condition | $7.30 |
| IEHP DualChoiceH8894-001 | Dual-Eligible | $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 San Bernardino use Medicare Advantage?
238,413 of the county's 354,972 people with Medicare were in a Medicare Advantage plan in September 2026, 67.2%; 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