Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Imperial Courage Plan, 2027
H5496Contract016Plan
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
Imperial Courage Plan (H5496-016) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $2,999.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Part B premium reduction, monthly | $75 | $85 | ▲up $10 |
| Comprehensive dental, yearly limit | $1,500 a year | not offered | ▼dropped |
| Eyewear, yearly limit | $250 a year | not offered | ▼dropped |
| Hearing aids, yearly limit for both ears | $500 a year | not offered | ▼dropped |
| Over-the-counter items, yearly | $300 a year | not offered | ▼dropped |
| Counties served | 50 | 51 | ▲up 1 |
| 9 lines do not change | |||
| Monthly premium | $0 | $0 | no change |
| In-network out-of-pocket limit | $2,999 | $2,999 | no change |
| Primary care visit | $0 copay | $0 copay | no change |
| Specialist visit | $5 copay | $5 copay | no change |
| Emergency room | $125 copay | $125 copay | no change |
| Medical deductible, in network | none | none | no change |
| Hospital stay, in network | $150 a day for days 1–5, then $0 a day for days 6–90 | $150 a day for days 1–5, then $0 a day for days 6–90 | no change |
| Skilled nursing facility, in network | $0 a day for days 1–20, then $200 a day for days 21–100 | $0 a day for days 1–20, then $200 a day for days 21–100 | no change |
| Ground ambulance, in network | $150 copay | $150 copay | 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.
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, 135 plans have a lower out-of-pocket limit, 1 the same, 120 a higher one. On the premium, 173 the same, 83 a higher one.
Out-of-pocket limits of the 257 plans open to everyone
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 $2,999.
California
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
- H5496-016
- 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
- 570
- 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 Solano, 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.