Best Medicare Advantage Plans in San Joaquin County, CA for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in San Joaquin 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 Joaquin 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 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO3 of 55 counties · drug deductible $600Preventive dental · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $2,000 | $2,000 | 3★ |
| 3 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO3 of 55 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $2,000 | $2,000 | 3★ |
| 4 | Blue Shield Advantage (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $475Dental · eyewear $275/yr · OTC items $140/yr | $20 | $2,300 | $2,540 | 4★ |
| 5 | SCAN Classic (HMO)SCAN Health Plan · HMO4 of 55 counties · drug deductible $450Dental up to $1,000/yr · eyewear $100/yr · OTC items $200/yr | $0 | $2,900 | $2,900 | 4★ |
| 6 | SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO4 of 55 counties · drug deductible $450Preventive dental · OTC items $500/yr | $0 | $2,900 | $2,900 | 4★ |
| 7 | Humana Community (HMO)Humana · HMO1 of 55 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $2,999 | $2,999 | 4★ |
| 8 | 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★ |
| 9 | Kaiser Permanente Senior Advantage Enhanced SnJoaq (HMO)Kaiser Permanente · HMO1 of 55 counties · drug deductible $0Dental | $96 | $2,500 | $3,652 | 4.5★ |
| 10 | Alignment Health Balance 006 (PPO)Alignment Health Plan · PPO2 of 55 counties · drug deductible $0Preventive dental · eyewear $200/yr | $93 | $2,850 | $3,966 | 4.5★ |
| 11 | Alignment Health Platinum 059 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $700Dental · eyewear $100/yr · OTC items $360/yr | $0 | $4,000 | $4,000 | 3.5★ |
| 12 | Kaiser Permanente Senior Advantage Basic SnJoaq (HMO)Kaiser Permanente · HMO1 of 55 counties · drug deductible $0Dental | $29 | $4,400 | $4,748 | 4.5★ |
| 13 | Alignment Health Advantage 001 (PPO)Alignment Health Plan · PPO6 of 55 counties · drug deductible $0Dental up to $1,000/yr · eyewear $75/yr | $70 | $4,451 | $5,291 | 4★ |
| 14 | Blue Shield Inspire (HMO)Blue Shield of California · HMO4 of 55 counties · drug deductible $475Preventive dental · eyewear $190/yr · OTC items $120/yr | $61 | $5,100 | $5,832 | 4★ |
| 15 | Sutter Senior Advantage, a SCAN Medicare Plan (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $450Dental · eyewear $100/yr · OTC items $80/yr | $65 | $5,500 | $6,280 | 4★ |
| 16 | HumanaChoice H5525-080 (PPO)Humana · PPO2 of 55 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $53 | $5,900 | $6,536 | 4★ |
| 17 | Humana Gold Plus H5619-026 (HMO)Humana · HMO1 of 55 counties · drug deductible $200Dental · eyewear $100/yr | $101 | $6,750 | $7,962 | 4★ |
| 18 | Wellcare Simple (HMO)Wellcare · HMO1 of 55 counties · drug deductible $700Dental | $0 | $9,250 | $9,250 | 3.5★ |
| 19 | 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★ |
| 20 | 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: 25 in 2026, 22 in 2027.
- $0-premium plans: 14 in 2026, 11 in 2027.
- Median in-network out-of-pocket maximum: $3,450 in 2026, $3,750 in 2027.
- 43,815 people here were in a general-audience Advantage plan in October 2026; 2,791 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), Humana USAA Honor Giveback (PPO).
Questions
How many Medicare Advantage plans are in San Joaquin County for 2027?
20 general-audience plans with drug coverage, 9 of them with a $0 monthly premium, compared with 25 plans and 14 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in San Joaquin 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 Joaquin 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 San Joaquin County plans have 4 or more stars?
14 of 20, 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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