Medicare Advantage plans in San Diego, CA, 2027
San Diego, California has 46 Medicare Advantage plans open to everyone for 2027 (60 in 2026) and 39 special needs plans, according to the CMS landscape files; 37 of the open plans have a $0 premium. 23 plans that served the county in 2026 end or leave it, with 30,358 members living here in September 2026.
What changes in San Diego for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 60 | 46 | ▼down 14 |
| Special needs plans | 33 | 39 | ▲up 6 |
| Plans with a $0 premium | 51 | 37 | ▼down 14 |
| Plans that lower the Part B premium | 17 | 18 | ▲up 1 |
| Median out-of-pocket limit | $2,900 | $3,474.50 | ▲up $574.50 |
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 San Diego join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Imperial Dynamic PlanH5496-012 · HMO | $0 | $295 | $15 | 3.5 of 5 |
| Blue Shield AdvantageH0504-055 · HMO | $0 | $499 | 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 |
| Blue Shield Value Advantage PlanH0504-057 · HMO | $0 | $500 | none | 4 of 5 |
| SCAN AltaH5425-082 · HMO | $0 | $900 | none | 4 of 5 |
| SCAN Costco Medicare AdvantageH5425-145 · HMO | $0 | $900 | none | 4 of 5 |
| Alignment Health Platinum + Instacart 016H3815-016 · HMO-POS | $0 | $1,100 | none | 4 of 5 |
| Blue Shield 65 PlusH0504-028 · HMO | $0 | $1,800 | none | 4 of 5 |
| Clever Care ValueH7607-015 · HMO | $0 | $1,999 | $120 | 4 of 5 |
| Anthem PrimeH4161-003 · HMO-POS | $0 | $2,000 | none | 3 of 5 |
| Alignment Health Smart 056H3815-056 · HMO | $0 | $2,400 | $179 | 4 of 5 |
| Alignment Health Smart 013H3815-013 · HMO | $0 | $2,499 | $150 | 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 |
| Aetna Medicare PrimeH0523-075 · HMO | $0 | $3,000 | none | 3 of 5 |
| Anthem SelectH0544-091 · HMO-POS | $0 | $3,000 | none | 3 of 5 |
| Humana Gold PlusH5619-016 · HMO | $0 | $3,000 | none | 3 of 5 |
| Humana Gold PlusH3767-001 · HMO | $0 | $3,300 | none | not rated |
| Kaiser Permanente Senior Advantage San DiegoH0524-037 · HMO | $0 | $3,400 | none | 4.5 of 5 |
Show the other 26 plans, by premium
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Anthem Medicare AdvantageH0544-065 · HMO-POS | $0 | $3,400 | 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 |
| AARP Medicare Advantage from UHC CA-0012H0543-152 · HMO-POS | $0 | $3,900 | $13 | 4 of 5 |
| SCAN ClassicH5425-005 · HMO | $0 | $4,200 | none | 4 of 5 |
| Blue Shield AdvantageOptimum Plan 1H5928-010 · HMO | $0 | $4,400 | none | 3.5 of 5 |
| Aetna Medicare EagleH0523-099 · HMO | $0 | $4,450 | $40 | 3 of 5 |
| Kaiser Permanente Senior Advantage San Diego ValueH0524-082 · HMO | $0 | $4,450 | none | 4.5 of 5 |
| UHC Sharp Medicare Advantage CA-001PH0543-145 · HMO-POS | $0 | $4,450 | $6 | 4 of 5 |
| UHC Sharp Medicare Advantage ValueRx CA-12PH0543-204 · HMO-POS | $0 | $4,450 | $15 | 4 of 5 |
| UHC Sharp Medicare Advantage CA-026PH0543-225 · HMO-POS | $0 | $4,450 | $19 | 4 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-MA2H0543-258 · 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 |
| Alignment Health Balance Plus 004H8832-004 · PPO | $7.30 | $9,850 | none | not rated (too new) |
| Aetna Medicare Signature LegacyH0523-022 · HMO | $10 | $2,000 | none | 3 of 5 |
| Wellcare Low Premium FocusH0562-012 · HMO | $27 | $4,150 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC CA-0001H0543-013 · HMO-POS | $29 | $5,300 | none | 4 of 5 |
| Wellcare Low PremiumH0562-137 · HMO | $47 | $4,500 | none | 3.5 of 5 |
| AARP Medicare Advantage from UHC CA-0007H0543-060 · HMO-POS | $52 | $3,800 | none | 4 of 5 |
| SCAN SelectH5425-134 · HMO | $80 | $4,450 | none | 4 of 5 |
| Alignment Health Advantage 005H8832-005 · PPO | $160 | $4,451 | none | not rated (too new) |
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 Diego 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 |
|---|---|---|
| Sharp Direct Advantage VIPH5386-005 | 10,102 | Not offered |
| Sharp Direct Advantage VIP PlusH5386-006 | 4,507 | Not offered |
| HumanaChoiceH5525-077 | 3,201 | Not offered |
| Aetna Medicare SignatureH5521-422 | 2,554 | Not offered |
| Sharp Direct Advantage GoldH5386-003 | 2,028 | Not offered |
| Aetna Medicare EnhancedH5521-580 | 1,358 | Not offered |
| Aetna Medicare SignatureH4982-004 | 1,355 | Not offered |
| Central Health Part B Savings PlanH5649-029 | 695 | Not offered |
| Alignment Health Advantage PPOH8832-001 | 613 | Leaves the county |
| Sharp Direct Advantage PlatinumH5386-004 | 610 | Not offered |
| Molina Medicare Choice CareH5810-014 | 595 | Not offered |
| Central Health Classic Care Plan IH5649-027 | 544 | Not offered |
| Aetna Medicare EagleH5521-369 | 467 | Not offered |
| Alignment Health Honor+ PlanH3815-052 | 412 | Leaves the county |
| Central Health Embrace Care PlanH5649-025 | 377 | Not offered |
| Humana Gold PlusH5619-148 | 273 | Leaves the county |
| Alignment Health the ONEH3815-034 | 177 | Leaves the county |
| Central Health Embrace Choice PlanH5649-026 | 153 | Not offered |
| Astiva Health Premier PlanH1993-015 | 128 | Not offered |
| Alignment Health FreedomH8832-003 | 124 | Leaves the county |
| Central Health Valor Care PlanH5649-030 | 68 | Not offered |
| Aetna Medicare Signature ExtraH0523-092 | 17 | 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 |
| Clever Care Total Choice+H7607-018 | Chronic or Disabling Condition | $0 |
| Clever Care Breathe Select+H7607-019 | Chronic or Disabling Condition | $0 |
| SCAN BalanceH5425-105 | Chronic or Disabling Condition | $0 |
| Alignment Health Heart & Diabetes 054H3815-054 | Chronic or Disabling Condition | $0 |
| Champion AdvantageH6170-001 | Chronic or Disabling Condition | $0 |
| Champion CompassH6170-015 | Chronic or Disabling Condition | $0 |
| Wellcare Specialty SimpleH0562-092 | Chronic or Disabling Condition | $0 |
| Aetna Medicare Chronic CareH0523-098 | Chronic or Disabling Condition | $0 |
| Community y MásH6248-001 | 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 |
| Astiva Health C-SNP BloomH1993-020 | Chronic or Disabling Condition | $0 |
| UHC Sharp Complete Care CA-15PH0543-214 | Chronic or Disabling Condition | $0 |
| Astiva Health C-SNP WOWH1993-008 | Chronic or Disabling Condition | $0 |
| UHC Sharp Complete Care Support CA-6APH0543-246 | Chronic or Disabling Condition | $0 |
| SCAN ConnectionsH0976-001 | Dual-Eligible | $0 |
| SCAN Connections at HomeH0976-002 | Dual-Eligible | $0 |
Show the other 19 special needs plans
| Plan | Who can join | Premium |
|---|---|---|
| Blue Shield Medicare + Medi-Cal PlanH2819-001 | Dual-Eligible | $0 |
| Wellcare Health Net Dual LibertyH3561-009 | Dual-Eligible | $0 |
| Alignment Health BreathEasy Plus 041H3815-041 | Chronic or Disabling Condition | $0 |
| Anthem Kidney CareH4909-030 | Chronic or Disabling Condition | $0 |
| SCAN StriveH5425-097 | 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 P1H8794-001 | 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 |
| CommuniCare AdvantageH4733-001 | 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 San Diego use Medicare Advantage?
337,738 of the county's 629,510 people with Medicare were in a Medicare Advantage plan in September 2026, 53.6%; 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