Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Imperial Dynamic Plan, 2027

H5496Contract012Plan

HMO · 51 counties in California

Run by Imperial Health Plan of California, Inc. (contract H5496), sold as Imperial Health Plan of California, Inc., owned by Imperial Health Plan of California

Renews for 2027

2026 star rating, contract H5496: 3.5 of 5

Imperial Dynamic Plan (H5496-012) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $295 ($296 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$296	$295	down $1
Part B premium reduction, monthly	$35	$15	down $20
Over-the-counter items, yearly	$560 a year	$480 a year	down $80
Counties served	50	51	up 1
17 lines do not change
Monthly premium	$0	$0	no change
Drug deductible	$0	$0	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$0 copay	$0 copay	no change
Emergency room	$125 copay	$125 copay	no change
Medical deductible, in network	none	none	no change
Hospital stay, in network	$0 a day for days 1–90	$0 a day for days 1–90	no change
Skilled nursing facility, in network	$0 a day for days 1–20, then $100 a day for days 21–50, then $200 a day for days 51–100	$0 a day for days 1–20, then $100 a day for days 21–50, then $200 a day for days 51–100	no change
Ground ambulance, in network	$150 copay	$150 copay	no change
Comprehensive dental, yearly limit	$4,000 a year	$4,000 a year	no change
Eyewear, yearly limit	$500 a year	$500 a year	no change
Hearing aids, yearly limit for both ears	$500 a year	$500 a year	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$6	$6	no change
Drug tier 3, preferred brand	$45	$45	no change
Drug tier 4, non-preferred drug	$90	$90	no change
Drug tier 5, specialty tier	33% of the cost	33% of the cost	no change

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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$6	$6
Tier 3	Preferred Brand	$45	$45
Tier 4	Non-Preferred Drug	$90	$90
Tier 5	Specialty Tier	33% of the cost	33% of the cost
Tier 6	Select Care Drugs	not offered	$0

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 257 plans open to everyone are sold for 2027, this one included. Against the others, 1 plan has a lower out-of-pocket limit, 255 a higher one. On the premium, 173 the same, 83 a higher one.

Out-of-pocket limits of the 257 plans open to everyone

$0 to under $2,000 (this plan)86 plans

$2,000 to under $4,00088 plans

$4,000 to under $6,00048 plans

$6,000 to under $8,00031 plans

$8,000 to $10,0004 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 51 counties: $0 a month and $295.

California

Alameda Amador Butte Contra Costa Del Norte El Dorado Fresno Glenn Humboldt Imperial Inyo Kern Kings Los Angeles Madera Marin Mariposa Mendocino Merced Modoc Mono Monterey Napa Nevada Orange Placer Plumas Riverside Sacramento San Benito San Bernardino San Diego San Francisco San Joaquin San Luis Obispo San Mateo Santa Barbara Santa Clara Santa Cruz Shasta Siskiyou Solano Sonoma Stanislaus Sutter Tehama Tulare Tuolumne Ventura Yolo Yuba

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H5496-012
Legal name of the contract: Imperial Health Plan of California, Inc.
Sold as: Imperial Health Plan of California, Inc.
Parent company: Imperial Health Plan of California
Plan type: HMO
2026 star rating of the contract: 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3.5 of 5
Members, September 2026: 48,155
Plan website, as filed with CMS: www.imperialhealthplan.com

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Sonoma, CAWhere most of its members live; premiums and limits side by side
Every Imperial Health Plan of California, Inc. plan for 2027Its contracts, counties and plans that end
The other 3 plans of contract H5496Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.