Medicare Advantage plans in Santa Clara, CA, 2027
Santa Clara, California has 19 Medicare Advantage plans open to everyone for 2027 (26 in 2026) and 17 special needs plans, according to the CMS landscape files; 10 of the open plans have a $0 premium. 11 plans that served the county in 2026 end or leave it, with 8,930 members living here in September 2026.
What changes in Santa Clara for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 26 | 19 | ▼down 7 |
| Special needs plans | 20 | 17 | ▼down 3 |
| Plans with a $0 premium | 18 | 10 | ▼down 8 |
| Plans that lower the Part B premium | 6 | 5 | ▼down 1 |
| Median out-of-pocket limit | $3,449.50 | $3,900 | ▲up $450.50 |
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 Santa Clara join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Imperial Dynamic PlanH5496-012 · HMO | $0 | $295 | $15 | 3.5 of 5 |
| SCAN ClassicH5425-069 · HMO | $0 | $999 | none | 4 of 5 |
| SCAN Costco Medicare AdvantageH5425-137 · HMO | $0 | $999 | none | 4 of 5 |
| Astiva Health Premier Plan: NorCalH1993-012 · HMO | $0 | $2,000 | none | 4 of 5 |
| Astiva Health Savings Plan: NorCalH1993-011 · HMO | $0 | $2,500 | $161 | 4 of 5 |
| Imperial Courage PlanH5496-016 · HMO | $0 | $2,999 | $85 | 3.5 of 5 |
| Central Health Harmony 031H3815-031 · HMO | $0 | $3,400 | none | 4 of 5 |
| Alignment Health My Choice 050H3815-050 · HMO | $0 | $3,499 | none | 4 of 5 |
| Alignment Health Smart 040H3815-040 · HMO | $0 | $3,999 | $108 | 4 of 5 |
| Aetna Medicare EagleH0523-099 · HMO | $0 | $4,450 | $40 | 3 of 5 |
| Alignment Health Honor Plus 060H3815-060 · HMO | $7.30 | $9,850 | none | 4 of 5 |
| Kaiser Permanente Sr Adv Basic Santa ClaraH0524-062 · HMO | $27 | $6,000 | none | 4.5 of 5 |
| Sutter Senior Advantage, a SCAN Medicare PlanH5425-148 · HMO | $49 | $4,900 | none | 4 of 5 |
| Alignment Health Sutter Advantage +MoreH3815-020 · HMO | $51 | $4,900 | none | 4 of 5 |
| Blue Shield InspireH0504-047 · HMO | $61 | $5,100 | none | 4 of 5 |
| Kaiser Permanente Sr Adv Enhanced Santa ClaraH0524-039 · HMO | $101 | $3,900 | none | 4.5 of 5 |
| Alignment Health Advantage 002H8832-002 · PPO | $101.50 | $2,850 | none | not rated (too new) |
| Aetna Medicare SignatureH0523-083 · HMO | $102 | $3,900 | none | 3 of 5 |
| Aetna Medicare Signature ExtraH4982-030 · HMO | $104 | $3,900 | none | 3 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 Clara 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 |
|---|---|---|
| Anthem PrimeH4161-010 | 2,863 | Not offered |
| AARP Medicare Advantage from UHC CA-10H0543-193 | 2,377 | Not offered |
| Central Health Classic Care Plan IIIH5649-023 | 1,036 | Not offered |
| Anthem Medicare AdvantageH0544-108 | 955 | Not offered |
| Aetna Medicare EnhancedH5521-676 | 661 | Not offered |
| Central Health Embrace Care PlanH5649-025 | 553 | Not offered |
| Aetna Medicare EagleH5521-369 | 342 | Not offered |
| Central Health Embrace Choice PlanH5649-026 | 121 | Not offered |
| Central Health Valor Care PlanH5649-030 | 22 | Not offered |
| Advantage CareH3274-005 | fewer than 11 | Leaves the county |
| Central Health Dual Access PlanH5649-024 | 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 |
| SCAN BalanceH5425-070 | Chronic or Disabling Condition | $0 |
| Premier CareH3274-002 | Institutional | $0 |
| Alignment Health Heart & Diabetes 010H3815-010 | Chronic or Disabling Condition | $0 |
| Alignment Health Heart & Diabetes 048H3815-048 | Chronic or Disabling Condition | $0 |
| Astiva Health C-SNP WOW: NorCalH1993-013 | Chronic or Disabling Condition | $0 |
| Alignment Health BreathEasy Plus 041H3815-041 | Chronic or Disabling Condition | $0 |
| Anthem Full Dual Advantage AlignedH4471-010 | Dual-Eligible | $0 |
| SCAN StriveH5425-098 | Chronic or Disabling Condition | $0 |
| Kaiser Permanente Dual Complete North P23H8794-023 | Dual-Eligible | $0 |
| Alignment Health Heart & Diabetes 051H3815-051 | Chronic or Disabling Condition | $0.10 |
| Imperial FlexH5496-017 | Chronic or Disabling Condition | $2.70 |
| Senior CareH3274-001 | Institutional | $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 |
| Alignment Health Heart & Diabetes Plus 045H3815-045 | Chronic or Disabling Condition | $7.30 |
| DualConnectH4045-001 | 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 Santa Clara use Medicare Advantage?
159,972 of the county's 314,684 people with Medicare were in a Medicare Advantage plan in September 2026, 50.8%; 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