Best Medicare Advantage Plans in Imperial County, CA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Imperial County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Imperial County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Imperial Dynamic Plan (HMO)Imperial Health Plan of California, Inc. · HMO51 of 55 counties · drug deductible $0Part B giveback $15/mo · Dental up to $4,500/yr · eyewear $500/yr · hearing aids $500/yr · OTC items $480/yr | $0−$15 Part B giveback | $295 | $115 | 4★ |
| 2 | Champion Ally (HMO)Champion Heath Plan · HMO9 of 55 counties · drug deductible $0Dental up to $3,000/yr · eyewear $350/yr · OTC items $900/yr | $0 | $499 | $499 | Not rated |
| 3 | Wellcare Low Premium Focus (HMO)Wellcare · HMO2 of 55 counties · drug deductible $700Dental | $27 | $4,150 | $4,474 | 3.5★ |
| 4 | Wellcare Low Premium (HMO)Wellcare · HMO4 of 55 counties · drug deductible $700Dental | $47 | $4,500 | $5,064 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 8 in 2026, 5 in 2027.
- $0-premium plans: 6 in 2026, 3 in 2027.
- Median in-network out-of-pocket maximum: $3,300 in 2026, $2,999 in 2027.
- 5,096 people here were in a general-audience Advantage plan in October 2026; 1,463 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Imperial Courage Plan (HMO).
Questions
How many Medicare Advantage plans are in Imperial County for 2027?
4 general-audience plans with drug coverage, 2 of them with a $0 monthly premium, compared with 8 plans and 6 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Imperial County?
Imperial Dynamic Plan (HMO) from Imperial Health Plan of California, Inc.: $0 a month with an in-network out-of-pocket maximum of $295, so at most about $115 for the year in premiums and in-network costs.
Do any Imperial County plans have a Part B giveback?
1 do. The largest is $15 a month off your Part B premium, from Imperial Dynamic Plan (HMO).
How many Imperial County plans have 4 or more stars?
1 of 4, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
Keep going
- All California Medicare Advantage plans →
- Best Part D plans in California →
- HMO vs. PPO and star ratings →
Other California counties
Alameda County · Butte County · Contra Costa County · El Dorado County · Fresno County · Humboldt County · Kern County · Kings County · Los Angeles County · Madera County · Marin County · Merced County · Monterey County · Napa County · Nevada County · Orange County · Placer County · Riverside County · Sacramento County · San Bernardino County · San Diego County · San Francisco County · San Joaquin County · San Luis Obispo County · San Mateo County · Santa Barbara County · Santa Clara County · Santa Cruz County · Shasta County · Solano County · Sonoma County · Stanislaus County · Tulare County · Ventura County · Yolo County