Best Medicare Advantage Plans in San Diego County, CA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in San Diego 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.
San Diego 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 | Alignment Health Smart 056 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $700Part B giveback $179/mo · Preventive dental · eyewear $75/yr | $0−$179 Part B giveback | $2,400 | $252 | 3.5★ |
| 3 | Blue Shield Advantage (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $300Preventive dental · eyewear $375/yr · OTC items $460/yr | $0 | $499 | $499 | 4★ |
| 4 | 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 |
| 5 | Clever Care Longevity (HMO)Clever Care Health Plan · HMO5 of 55 counties · drug deductible $0Dental up to $2,500/yr · eyewear $300/yr · hearing aids $600/yr per ear | $0 | $499 | $499 | 4.5★ |
| 6 | Blue Shield Value Advantage Plan (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $300Preventive dental · eyewear $350/yr · OTC items $660/yr | $0 | $500 | $500 | 4★ |
| 7 | Clever Care Value (HMO)Clever Care Health Plan · HMO5 of 55 counties · drug deductible $0Part B giveback $120/mo · Dental up to $1,000/yr · eyewear $200/yr · hearing aids $600/yr per ear | $0−$120 Part B giveback | $1,999 | $559 | 4.5★ |
| 8 | Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO5 of 55 counties · drug deductible $0Part B giveback $150/mo · Dental · eyewear $200/yr | $0−$150 Part B giveback | $2,499 | $699 | 3.5★ |
| 9 | SCAN Alta (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $100/yr · OTC items $80/yr | $0 | $900 | $900 | 4★ |
| 10 | SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental up to $2,000/yr · OTC items $460/yr | $0 | $900 | $900 | 4★ |
| 11 | Alignment Health Platinum + Instacart 016 (HMO-POS)Alignment Health Plan · HMO-POS3 of 55 counties · drug deductible $0Dental up to $2,000/yr · eyewear $300/yr · OTC items $300/yr | $0 | $1,100 | $1,100 | 3.5★ |
| 12 | Alignment Health Smart 047 (HMO)Alignment Health Plan · HMO5 of 55 counties · drug deductible $700Part B giveback $146/mo · Dental · eyewear $200/yr | $0−$146 Part B giveback | $2,899 | $1,147 | 3.5★ |
| 13 | Astiva Health Savings Plan (HMO)Astiva Health · HMO5 of 55 counties · drug deductible $0Part B giveback $186/mo · Dental up to $1,000/yr · eyewear $62/yr · hearing aids $500/yr per ear | $0−$186 Part B giveback | $3,450 | $1,218 | 4★ |
| 14 | Blue Shield 65 Plus (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $300Dental · eyewear $225/yr · OTC items $260/yr | $0 | $1,800 | $1,800 | 4★ |
| 15 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS1 of 55 counties · drug deductible $270Dental up to $1,500/yr · eyewear $300/yr · hearing aids $3,000/yr · OTC items $180/yr | $0 | $2,000 | $2,000 | 3★ |
| 16 | Aetna Medicare Signature Legacy (HMO)Aetna Medicare · HMO6 of 55 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,250/yr per ear | $10 | $2,000 | $2,120 | 3★ |
| 17 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO1 of 55 counties · drug deductible $400Dental up to $1,250/yr · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $3,000 | $3,000 | 3★ |
| 18 | Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS1 of 55 counties · drug deductible $200Dental up to $1,400/yr · eyewear $125/yr · hearing aids $3,000/yr · OTC items $60/yr | $0 | $3,000 | $3,000 | 3.5★ |
| 19 | Humana Gold Plus H5619-016 (HMO)Humana · HMO1 of 55 counties · drug deductible $200Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,000 | $3,000 | 4★ |
| 20 | Humana Gold Plus H3767-001 (HMO)Humana · HMO1 of 55 counties · drug deductible $200Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,300 | $3,300 | Too new to rate |
| 21 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS1 of 55 counties · drug deductible $0Dental up to $750/yr · eyewear $100/yr · hearing aids $3,000/yr · OTC items $60/yr | $0 | $3,400 | $3,400 | 3.5★ |
| 22 | Kaiser Permanente Senior Advantage San Diego (HMO)Kaiser Permanente · HMO1 of 55 counties · drug deductible $0Dental · OTC items $100/yr | $0 | $3,400 | $3,400 | 4.5★ |
| 23 | Alignment Health My Choice 050 (HMO)Alignment Health Plan · HMO19 of 55 counties · drug deductible $0Dental up to $1,200/yr · eyewear $200/yr · OTC items $1,080/yr | $0 | $3,499 | $3,499 | 3.5★ |
| 24 | AARP Medicare Advantage from UHC CA-0012 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $13/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$13 Part B giveback | $3,900 | $3,744 | 3★ |
| 25 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental | $0 | $4,200 | $4,200 | 4★ |
| 26 | UHC Sharp Medicare Advantage CA-026P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $19/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$19 Part B giveback | $4,450 | $4,222 | 3★ |
| 27 | UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $15/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$15 Part B giveback | $4,450 | $4,270 | 3★ |
| 28 | UHC Sharp Medicare Advantage CA-001P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Part B giveback $6/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$6 Part B giveback | $4,450 | $4,378 | 3★ |
| 29 | Blue Shield AdvantageOptimum Plan 1 (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $475Dental · eyewear $200/yr | $0 | $4,400 | $4,400 | 3.5★ |
| 30 | AARP Medicare Advantage from UHC CA-0007 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $52 | $3,800 | $4,424 | 3★ |
| 31 | Kaiser Permanente Senior Advantage San Diego Value (HMO)Kaiser Permanente · HMO1 of 55 counties · drug deductible $0Dental · eyewear $125/yr · hearing aids $333/yr per ear · OTC items $160/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 32 | Wellcare Low Premium Focus (HMO)Wellcare · HMO2 of 55 counties · drug deductible $700Dental | $27 | $4,150 | $4,474 | 3.5★ |
| 33 | Humana Gold Plus Giveback H5619-150 (HMO)Humana · HMO7 of 55 counties · drug deductible $700Part B giveback $42/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$42 Part B giveback | $5,000 | $4,496 | 4★ |
| 34 | Alignment Health ValorCare 053 (HMO)Alignment Health Plan · HMO5 of 55 counties · drug deductible $0Part B giveback $119/mo · Dental up to $2,000/yr · eyewear $300/yr · OTC items $240/yr | $0−$119 Part B giveback | $6,000 | $4,572 | 3.5★ |
| 35 | Wellcare Low Premium (HMO)Wellcare · HMO4 of 55 counties · drug deductible $700Dental | $47 | $4,500 | $5,064 | 3.5★ |
| 36 | SCAN Select (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $700Dental · eyewear $125/yr · OTC items $100/yr | $80 | $4,450 | $5,410 | 4★ |
| 37 | AARP Medicare Advantage from UHC CA-0001 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $29 | $5,300 | $5,648 | 3★ |
| 38 | Humana USAA Honor Giveback with Rx (PPO)Humana · PPO5 of 55 counties · drug deductible $700Part B giveback $55/mo · Dental up to $750/yr · eyewear $250/yr | $0−$55 Part B giveback | $6,400 | $5,740 | 4★ |
| 39 | Alignment Health Advantage 005 (PPO)Alignment Health Plan · PPO2 of 55 counties · drug deductible $700eyewear $75/yr | $160 | $4,451 | $6,371 | 4★ |
| 40 | Alignment Health Balance Plus 004 (PPO)Alignment Health Plan · PPO3 of 55 counties · drug deductible $700Dental up to $700/yr · eyewear $250/yr | $7.30 | $9,850 | $9,938 | 4★ |
| 41 | Alignment Health Honor Plus 060 (HMO)Alignment Health Plan · HMO23 of 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr · OTC items $1,164/yr | $7.30 | $9,850 | $9,938 | 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: 60 in 2026, 46 in 2027.
- $0-premium plans: 51 in 2026, 37 in 2027.
- Median in-network out-of-pocket maximum: $2,900 in 2026, $3,475 in 2027.
- 220,457 people here were in a general-audience Advantage plan in October 2026; 29,837 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), Aetna Medicare Eagle (HMO), Humana USAA Honor Giveback (HMO), AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS), Humana USAA Honor Giveback (PPO).
Questions
How many Medicare Advantage plans are in San Diego County for 2027?
41 general-audience plans with drug coverage, 32 of them with a $0 monthly premium, compared with 60 plans and 51 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in San Diego 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 San Diego County plans have a Part B giveback?
13 do. The largest is $186 a month off your Part B premium, from Astiva Health Savings Plan (HMO).
How many San Diego County plans have 4 or more stars?
18 of 41, 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
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