Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026
Imperial Flex, 2027
H5496Contract017Plan
HMO C-SNP · special needs plan, chronic or disabling condition · 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 Flex (H5496-017) costs $2.70 a month in 2027, with an in-network out-of-pocket limit of $9,850. It is a new plan for 2027.
What changes from 2026 to 2027?
| What you pay or get | 2026 | 2027 | Change |
|---|---|---|---|
| Monthly premium | not offered | $2.70 | new for 2027 |
| In-network out-of-pocket limit | not filed | $9,850 | new for 2027 |
| Drug deductible | not filed | $450 | new for 2027 |
| Primary care visit | not offered | 20% of the cost | changed |
| Specialist visit | not offered | 20% of the cost | changed |
| Emergency room | not offered | 20% of the cost | changed |
| Hospital stay, in network | not offered | $0 a stay | changed |
| Skilled nursing facility, in network | not offered | $0 a day for days 1–20, then $100 a day for days 21–50, then $200 a day for days 51–100 | changed |
| Ground ambulance, in network | not offered | 20% of the cost | changed |
| Comprehensive dental, yearly limit | not offered | $4,000 a year | ▲added |
| Eyewear, yearly limit | not offered | $500 a year | ▲added |
| Hearing aids, yearly limit for both ears | not offered | $500 a year | ▲added |
| Over-the-counter items, yearly | not offered | $480 a year | ▲added |
| 3 lines do not change | |||
| Part B premium reduction, monthly | none | none | no change |
| Medical deductible, in network | none | none | no change |
| Counties served | not offered | 51 | new for 2027 |
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?
| Tier | What the tier holds | 2026 | 2027 |
|---|---|---|---|
| Tier 1 | Preferred Generic | not offered | $0 |
| Tier 2 | Generic | not offered | 10% of the cost |
| Tier 3 | Preferred Brand | not offered | 25% of the cost |
| Tier 4 | Non-Preferred Drug | not offered | 25% of the cost |
| Tier 5 | Specialty Tier | not offered | 25% 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, 77 chronic or disabling condition special needs plans are sold for 2027, this one included. Against the others, 50 plans have a lower out-of-pocket limit, 26 the same. On the premium, 69 plans have a lower premium, 7 a higher one.
Out-of-pocket limits of the 77 chronic or disabling condition special needs 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: $2.70 a month and $9,850.
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
- H5496-017
- 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 C-SNP
- 2026 star rating of the contract
- 3.5 of 5 overall; health plan 3.5 of 5, drug plan 3.5 of 5
- 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 Los Angeles, 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.