Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
$0 Premium Medicare Advantage Plans in California
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in California for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
169$0-premium plans, of 252 with drug coverage
$199lowest in-network out-of-pocket max among them
34also pay part of your Part B premium
Showing all 169 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Alignment Health Smart 055 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $700Part B giveback $197/mo · Preventive dental · eyewear $75/yr | $0−$197 Part B giveback | $2,400 | $36 | 3.5★ |
| 2 | 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★ |
| 3 | SCAN Essential Savings (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Part B giveback $185/mo · Dental | $0−$185 Part B giveback | $2,400 | $180 | 4★ |
| 4 | Blue Shield Value Advantage Plan (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $300Preventive dental · eyewear $350/yr · OTC items $560/yr | $0 | $199 | $199 | 4★ |
| 5 | 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★ |
| 6 | Anthem I CareMore Premium Savings (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS3 of 55 counties · drug deductible $145Part B giveback $62/mo · Dental up to $1,200/yr · eyewear $200/yr · hearing aids $3,000/yr · OTC items $360/yr | $0−$62 Part B giveback | $1,000 | $256 | 3★ |
| 7 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO1 of 55 counties · drug deductible $700Dental up to $1,250/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $299 | $299 | 3★ |
| 8 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $299 | $299 | 3★ |
| 9 | Aetna Medicare Prime Extra (HMO)Aetna Medicare · HMO1 of 55 counties · drug deductible $400Dental up to $1,250/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $299 | $299 | 2.5★ |
| 10 | Aetna Medicare Prime Extra (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $299 | $299 | 2.5★ |
| 11 | Blue Shield Advantage (HMO)Blue Shield of California · HMO2 of 55 counties · drug deductible $300Preventive dental · eyewear $375/yr · OTC items $460/yr | $0 | $299 | $299 | 4★ |
| 12 | CareMore Health Plan by SCAN (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $150Dental up to $2,000/yr · eyewear $300/yr · OTC items $700/yr | $0 | $299 | $299 | 4★ |
| 13 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $100/yr · OTC items $360/yr | $0 | $299 | $299 | 4★ |
| 14 | 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 | $299 | $299 | 4★ |
| 15 | 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 | $299 | $299 | 4★ |
| 16 | AARP Medicare Advantage Giveback from UHC CA-30P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $685Part B giveback $40/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$40 Part B giveback | $800 | $320 | 3★ |
| 17 | AARP Medicare Advantage Giveback from UHC CA-31P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $685Part B giveback $40/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$40 Part B giveback | $800 | $320 | 3★ |
| 18 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $150/yr · OTC items $260/yr | $0 | $399 | $399 | 4★ |
| 19 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $100/yr · OTC items $260/yr | $0 | $399 | $399 | 4★ |
| 20 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $100/yr · OTC items $260/yr | $0 | $399 | $399 | 4★ |
| 21 | 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 | $399 | $399 | 4★ |
| 22 | 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 | $399 | $399 | 4★ |
| 23 | Central Health Harmony 001 (HMO)Alignment Health Plan · HMO2 of 55 counties · drug deductible $700Dental up to $1,200/yr · eyewear $300/yr · OTC items $1,140/yr | $0 | $498 | $498 | Too new to rate |
| 24 | Alignment Health BRIDGE 003 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $700Dental · eyewear $300/yr | $0 | $499 | $499 | Too new to rate |
| 25 | Alignment Health Platinum + Instacart 008 (HMO)Alignment Health Plan · HMO2 of 55 counties · drug deductible $0Dental · eyewear $300/yr · OTC items $360/yr | $0 | $499 | $499 | 3.5★ |
| 26 | 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★ |
| 27 | Blue Shield Inspire (HMO)Blue Shield of California · HMO2 of 55 counties · drug deductible $300Dental · eyewear $225/yr · OTC items $340/yr | $0 | $499 | $499 | 4★ |
| 28 | 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 |
| 29 | Champion Anwell (HMO)Champion Heath Plan · HMO1 of 55 counties · drug deductible $0Dental up to $3,000/yr · eyewear $350/yr · OTC items $1,080/yr | $0 | $499 | $499 | Not rated |
| 30 | 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★ |
| 31 | SCAN Baekse (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $200Dental up to $2,750/yr · eyewear $300/yr · hearing aids $600/yr per ear · OTC items $1,500/yr | $0 | $499 | $499 | 4★ |
| 32 | 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★ |
| 33 | Elite Signature HMO (HMO)Elite Health Plan, Inc. · HMO3 of 55 counties · drug deductible $0Dental up to $2,000/yr · eyewear $250/yr | $0 | $500 | $500 | Too new to rate |
| 34 | SCAN Allied (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $75Part B giveback $125/mo · Dental up to $1,000/yr · eyewear $200/yr · OTC items $780/yr | $0−$125 Part B giveback | $2,000 | $500 | 4★ |
| 35 | AARP Medicare Advantage Giveback from UHC CA-32P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $685Part B giveback $40/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$40 Part B giveback | $999 | $519 | 3★ |
| 36 | Alignment Health My Choice 001 (HMO)Alignment Health Plan · HMO4 of 55 counties · drug deductible $0Dental · eyewear $200/yr · OTC items $240/yr | $0 | $550 | $550 | 3.5★ |
| 37 | Elite Core HMO (HMO)Elite Health Plan, Inc. · HMO3 of 55 counties · drug deductible $150Part B giveback $154/mo · Dental up to $600/yr · eyewear $100/yr | $0−$154 Part B giveback | $2,400 | $552 | Too new to rate |
| 38 | 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★ |
| 39 | Astiva Health Savings Plan - NorCal (HMO)Astiva Health · HMO1 of 55 counties · drug deductible $0Part B giveback $161/mo · Dental up to $1,500/yr · eyewear $62/yr · hearing aids $500/yr per ear | $0−$161 Part B giveback | $2,500 | $568 | 4★ |
| 40 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO1 of 55 counties · drug deductible $400Dental up to $1,750/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $599 | $599 | 3★ |
| 41 | Aetna Medicare Prime Value Plus (HMO)Aetna Medicare · HMO3 of 55 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $599 | $599 | 2.5★ |
| 42 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $300Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $599 | $599 | 2.5★ |
| 43 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $600Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $599 | $599 | 2.5★ |
| 44 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $300Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $599 | $599 | 3★ |
| 45 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO2 of 55 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $599 | $599 | 3★ |
| 46 | SCAN Venture (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $370Part B giveback $33/mo · Dental · eyewear $100/yr · OTC items $200/yr | $0−$33 Part B giveback | $1,000 | $604 | 4★ |
| 47 | AARP Medicare Advantage from UHC CA-003P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 48 | AARP Medicare Advantage from UHC CA-004P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 49 | AARP Medicare Advantage from UHC CA-005P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 50 | AARP Medicare Advantage from UHC CA-021P (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $595Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$10 Part B giveback | $800 | $680 | 3★ |
| 51 | 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★ |
| 52 | SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $450Dental up to $2,000/yr · OTC items $460/yr | $0 | $699 | $699 | 4★ |
| 53 | Humana Gold Plus H5619-021 (HMO)Humana · HMO2 of 55 counties · drug deductible $250Dental up to $3,000/yr · eyewear $200/yr | $0 | $799 | $799 | 4★ |
| 54 | Humana Gold Plus H5619-178 (HMO)Humana · HMO2 of 55 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $799 | $799 | 4★ |
| 55 | Alignment Health My Choice 028 (HMO)Alignment Health Plan · HMO2 of 55 counties · drug deductible $0Dental · eyewear $100/yr · OTC items $240/yr | $0 | $800 | $800 | 3.5★ |
| 56 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS2 of 55 counties · drug deductible $490Dental up to $200/yr · eyewear $75/yr · hearing aids $3,000/yr · OTC items $120/yr | $0 | $800 | $800 | 3★ |
| 57 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS2 of 55 counties · drug deductible $270Dental up to $350/yr · eyewear $50/yr · hearing aids $1,000/yr · OTC items $60/yr | $0 | $800 | $800 | 3★ |
| 58 | Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS2 of 55 counties · drug deductible $200Dental up to $500/yr · eyewear $75/yr · hearing aids $3,000/yr · OTC items $128/yr | $0 | $800 | $800 | 3.5★ |
| 59 | Humana Gold Plus H5619-119 (HMO)Humana · HMO1 of 55 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $800 | $800 | 4★ |
| 60 | AARP Medicare Advantage from UHC CA-022P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $595Part B giveback $13/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$13 Part B giveback | $999 | $843 | 3★ |
| 61 | AARP Medicare Advantage from UHC CA-006P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $595Part B giveback $12/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$12 Part B giveback | $999 | $855 | 3★ |
| 62 | SCAN Alta (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $100/yr · OTC items $80/yr | $0 | $900 | $900 | 4★ |
| 63 | 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★ |
| 64 | Blue Shield 65 Plus Choice Plan (HMO)Blue Shield of California · HMO2 of 55 counties · drug deductible $390Dental · eyewear $175/yr · OTC items $180/yr | $0 | $950 | $950 | 4★ |
| 65 | AARP Medicare Advantage from UHC CA-0015 (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $595Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $999 | $999 | 3★ |
| 66 | Alignment Health Platinum Preferred 004 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $700Dental up to $1,000/yr · eyewear $300/yr · OTC items $552/yr | $0 | $999 | $999 | Too new to rate |
| 67 | Humana Gold Plus H3767-002 (HMO)Humana · HMO2 of 55 counties · drug deductible $250Dental up to $3,000/yr · eyewear $200/yr | $0 | $999 | $999 | Too new to rate |
| 68 | Kaiser Permanente Senior Advantage LA, Orange Co. (HMO)Kaiser Permanente · HMO2 of 55 counties · drug deductible $0Dental · OTC items $160/yr | $0 | $999 | $999 | 4.5★ |
| 69 | SCAN Classic (HMO)SCAN Health Plan · HMO4 of 55 counties · drug deductible $450Dental up to $2,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $999 | $999 | 4★ |
| 70 | SCAN Classic (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $450Dental up to $2,500/yr · eyewear $100/yr · OTC items $240/yr | $0 | $999 | $999 | 4★ |
| 71 | SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $450Dental up to $2,000/yr · OTC items $460/yr | $0 | $999 | $999 | 4★ |
| 72 | SCAN Inclusive (HMO)SCAN Health Plan · HMO4 of 55 counties · drug deductible $250Dental · eyewear $100/yr · OTC items $100/yr | $0 | $999 | $999 | 4★ |
| 73 | Alignment Health Platinum 057 (HMO)Alignment Health Plan · HMO3 of 55 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · OTC items $240/yr | $0 | $1,000 | $1,000 | 3.5★ |
| 74 | Anthem I CareMore Medicare Advantage (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS2 of 55 counties · drug deductible $145Dental up to $2,000/yr · eyewear $200/yr · hearing aids $3,000/yr · OTC items $560/yr | $0 | $1,000 | $1,000 | 3★ |
| 75 | Anthem I CareMore Medicare Advantage (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS1 of 55 counties · drug deductible $145Dental up to $2,000/yr · eyewear $200/yr · hearing aids $3,000/yr · OTC items $480/yr | $0 | $1,000 | $1,000 | 3★ |
| 76 | Wellcare Simple Focus (HMO)Wellcare · HMO2 of 55 counties · drug deductible $700Dental | $0 | $1,000 | $1,000 | 3.5★ |
| 77 | 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★ |
| 78 | 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★ |
| 79 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS4 of 55 counties · drug deductible $395Preventive dental · eyewear $75/yr · OTC items $60/yr | $0 | $1,200 | $1,200 | 3★ |
| 80 | 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★ |
| 81 | Alignment Health ONE + Walgreens 035 (HMO)Alignment Health Plan · HMO3 of 55 counties · drug deductible $0Dental · eyewear $300/yr · OTC items $180/yr | $0 | $1,300 | $1,300 | 3.5★ |
| 82 | Blue Shield 65 Plus (HMO)Blue Shield of California · HMO2 of 55 counties · drug deductible $390Dental · eyewear $175/yr | $0 | $1,300 | $1,300 | 4★ |
| 83 | SCAN Venture (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $370Part B giveback $38/mo · Dental · eyewear $100/yr · OTC items $200/yr | $0−$38 Part B giveback | $1,900 | $1,444 | 4★ |
| 84 | Anthem I CareMore Medicare Advantage 2 (HMO-POS)Anthem Blue Cross · HMO-POS3 of 55 counties · drug deductible $85Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,500/yr · OTC items $140/yr | $0 | $1,500 | $1,500 | 3.5★ |
| 85 | Humana Gold Plus Giveback H5619-146 (HMO)Humana · HMO2 of 55 counties · drug deductible $700Part B giveback $84/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$84 Part B giveback | $2,700 | $1,692 | 4★ |
| 86 | Alignment Health + CommUnity 046 (HMO)Alignment Health Plan · HMO2 of 55 counties · drug deductible $0Dental up to $1,500/yr · eyewear $300/yr · OTC items $240/yr | $0 | $1,750 | $1,750 | 3.5★ |
| 87 | Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS2 of 55 counties · drug deductible $100Dental up to $500/yr · eyewear $75/yr · hearing aids $1,000/yr · OTC items $60/yr | $0 | $1,800 | $1,800 | 3.5★ |
| 88 | 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★ |
| 89 | Blue Shield 65 Plus Plan 2 (HMO)Blue Shield of California · HMO2 of 55 counties · drug deductible $390Dental · eyewear $150/yr | $0 | $1,850 | $1,850 | 4★ |
| 90 | Alignment Health Smart 038 (HMO)Alignment Health Plan · HMO3 of 55 counties · drug deductible $700Part B giveback $135/mo · Dental · eyewear $50/yr | $0−$135 Part B giveback | $3,499 | $1,879 | 3.5★ |
| 91 | Alignment Health + AllCare Preferred 011 (HMO)Alignment Health Plan · HMO1 of 55 counties · drug deductible $0Dental · eyewear $200/yr · OTC items $360/yr | $0 | $1,999 | $1,999 | 3.5★ |
| 92 | AARP Medicare Advantage from UHC CA-0002 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $355Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $2,000 | $2,000 | 3★ |
| 93 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO1 of 55 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $2,000 | $2,000 | 2.5★ |
| 94 | 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★ |
| 95 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO1 of 55 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $2,000 | $2,000 | 3★ |
| 96 | 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★ |
| 97 | 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★ |
| 98 | Astiva Health Premier Plan - NorCal (HMO)Astiva Health · HMO1 of 55 counties · drug deductible $0Dental up to $3,500/yr · eyewear $150/yr · hearing aids $500/yr | $0 | $2,000 | $2,000 | 4★ |
| 99 | SCAN Classic (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $450Dental up to $1,000/yr · eyewear $200/yr · OTC items $200/yr | $0 | $2,000 | $2,000 | 4★ |
| 100 | SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $450Dental up to $1,000/yr · OTC items $460/yr | $0 | $2,000 | $2,000 | 4★ |
| 101 | SCAN Desert Choice (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental up to $4,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $2,050 | $2,050 | 4★ |
| 102 | Humana Gold Plus H5619-116 (HMO)Humana · HMO1 of 55 counties · drug deductible $200Dental up to $2,000/yr · eyewear $200/yr | $0 | $2,100 | $2,100 | 4★ |
| 103 | Humana Gold Plus H5619-012 (HMO)Humana · HMO2 of 55 counties · drug deductible $200Dental up to $2,000/yr · eyewear $400/yr | $0 | $2,200 | $2,200 | 4★ |
| 104 | UCLA Health Medicare Advantage Principal Plan (HMO)UCLA Health Medicare Advantage Plan · HMO1 of 55 counties · drug deductible $300Dental · eyewear $150/yr · OTC items $240/yr | $0 | $2,499 | $2,499 | 3.5★ |
| 105 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS1 of 55 counties · drug deductible $440Dental up to $500/yr · eyewear $200/yr · hearing aids $1,500/yr · OTC items $228/yr | $0 | $2,500 | $2,500 | 3★ |
| 106 | Kaiser Permanente Senior Advantage Inland Empire (HMO)Kaiser Permanente · HMO2 of 55 counties · drug deductible $0Dental · OTC items $160/yr | $0 | $2,500 | $2,500 | 4.5★ |
| 107 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $450Dental up to $1,000/yr · eyewear $100/yr · OTC items $120/yr | $0 | $2,500 | $2,500 | 4★ |
| 108 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental · eyewear $125/yr · OTC items $200/yr | $0 | $2,500 | $2,500 | 4★ |
| 109 | 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 | $2,500 | $2,500 | 4★ |
| 110 | Blue Shield 65 Plus (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $390Dental · eyewear $175/yr | $0 | $2,550 | $2,550 | 4★ |
| 111 | Alignment Health Smart 040 (HMO)Alignment Health Plan · HMO4 of 55 counties · drug deductible $700Part B giveback $108/mo · Dental · eyewear $50/yr | $0−$108 Part B giveback | $3,999 | $2,703 | 3.5★ |
| 112 | Blue Shield 65 Plus (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $475eyewear $175/yr · OTC items $200/yr | $0 | $2,750 | $2,750 | 4★ |
| 113 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS1 of 55 counties · drug deductible $110Dental up to $500/yr · eyewear $100/yr · hearing aids $3,000/yr · OTC items $108/yr | $0 | $2,800 | $2,800 | 3.5★ |
| 114 | Blue Shield 65 Plus (HMO)Blue Shield of California · HMO1 of 55 counties · drug deductible $390eyewear $175/yr | $0 | $2,800 | $2,800 | 4★ |
| 115 | Kaiser Permanente Senior Advantage Ventura (HMO)Kaiser Permanente · HMO1 of 55 counties · drug deductible $0Dental · OTC items $160/yr | $0 | $2,800 | $2,800 | 4.5★ |
| 116 | AARP Medicare Advantage from UHC CA-45 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $2,900 | $2,900 | 3★ |
| 117 | AARP Medicare Advantage from UHC CA-46 (HMO-POS)UnitedHealthcare · HMO-POS1 of 55 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $2,900 | $2,900 | 3★ |
| 118 | Advantage Care (HMO)Align Senior Care · HMO3 of 55 counties · drug deductible $150Dental up to $2,200/yr · eyewear $225/yr | $0 | $2,900 | $2,900 | Not rated |
| 119 | Kaiser Permanente Sr Advantage LA, Orange Value (HMO)Kaiser Permanente · HMO2 of 55 counties · drug deductible $0Dental · eyewear $125/yr · hearing aids $333/yr per ear · OTC items $240/yr | $0 | $2,900 | $2,900 | 4.5★ |
| 120 | SCAN Allied (HMO)SCAN Health Plan · HMO2 of 55 counties · drug deductible $75Dental up to $1,000/yr · eyewear $175/yr · OTC items $360/yr | $0 | $2,900 | $2,900 | 4★ |
| 121 | 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★ |
| 122 | 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★ |
| 123 | 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★ |
| 124 | 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★ |
| 125 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS4 of 55 counties · drug deductible $0Dental up to $500/yr · eyewear $150/yr · hearing aids $1,500/yr · OTC items $160/yr | $0 | $3,000 | $3,000 | 3.5★ |
| 126 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS4 of 55 counties · drug deductible $250Preventive dental · eyewear $50/yr · hearing aids $1,500/yr | $0 | $3,000 | $3,000 | 3★ |
| 127 | Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS1 of 55 counties · drug deductible $310Preventive dental · eyewear $50/yr · hearing aids $1,000/yr · OTC items $60/yr | $0 | $3,000 | $3,000 | 3★ |
| 128 | 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★ |
| 129 | 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★ |
| 130 | Humana Gold Plus H5619-015 (HMO)Humana · HMO2 of 55 counties · drug deductible $200Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,200 | $3,200 | 4★ |
| 131 | Humana Gold Plus H5619-191 (HMO)Humana · HMO8 of 55 counties · drug deductible $200Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,200 | $3,200 | 4★ |
| 132 | Wellcare Simple Focus (HMO)Wellcare · HMO2 of 55 counties · drug deductible $700Dental | $0 | $3,200 | $3,200 | 3.5★ |
| 133 | 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 |
| 134 | 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★ |
| 135 | Central Health Harmony 031 (HMO)Alignment Health Plan · HMO4 of 55 counties · drug deductible $0Dental · eyewear $150/yr · OTC items $300/yr | $0 | $3,400 | $3,400 | 3.5★ |
| 136 | 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★ |
| 137 | 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★ |
| 138 | CCHP Senior Value Program (HMO)CCHP (Chinese Community Health Plan) · HMO2 of 55 counties · drug deductible $0Dental · eyewear $50/yr | $0 | $3,500 | $3,500 | 3★ |
| 139 | Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO3 of 55 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $3,600 | $3,600 | 3★ |
| 140 | Blue Shield AdvantageOptimum Plan (HMO)Blue Shield of California · HMO2 of 55 counties · drug deductible $350Dental · eyewear $200/yr | $0 | $3,600 | $3,600 | 3.5★ |
| 141 | Humana Gold Plus H5619-147 (HMO)Humana · HMO2 of 55 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $3,650 | $3,650 | 4★ |
| 142 | Humana Gold Plus H5619-191 (HMO)Humana · HMO1 of 55 counties · drug deductible $200Dental up to $1,000/yr · eyewear $100/yr | $0 | $3,700 | $3,700 | 4★ |
| 143 | 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★ |
| 144 | Kaiser Permanente Senior Advantage Basic Kern (HMO)Kaiser Permanente · HMO1 of 55 counties · drug deductible $0Dental · OTC items $200/yr | $0 | $3,900 | $3,900 | 4.5★ |
| 145 | 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★ |
| 146 | Humana Gold Plus H5619-191 (HMO)Humana · HMO1 of 55 counties · drug deductible $200Dental up to $1,000/yr · eyewear $100/yr | $0 | $4,000 | $4,000 | 4★ |
| 147 | SCAN Classic (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $370Dental | $0 | $4,200 | $4,200 | 4★ |
| 148 | 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★ |
| 149 | AARP Medicare Advantage from UHC CA-023P (HMO-POS)UnitedHealthcare · HMO-POS2 of 55 counties · drug deductible $685Part B giveback $15/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$15 Part B giveback | $4,450 | $4,270 | 3★ |
| 150 | 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★ |
| 151 | Kaiser Permanente Senior Advantage Ventura Value (HMO)Kaiser Permanente · HMO1 of 55 counties · drug deductible $0Dental · eyewear $125/yr · hearing aids $333/yr per ear · OTC items $240/yr | $0 | $4,300 | $4,300 | 4.5★ |
| 152 | HumanaChoice H5525-075 (PPO)Humana · PPO4 of 55 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $4,350 | $4,350 | 4★ |
| 153 | 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★ |
| 154 | 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★ |
| 155 | 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★ |
| 156 | Kaiser Permanente Sr Advantage Inland Empire Value (HMO)Kaiser Permanente · HMO2 of 55 counties · drug deductible $0Dental · eyewear $125/yr · hearing aids $333/yr per ear · OTC items $240/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 157 | 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★ |
| 158 | Wellcare Simple (HMO)Wellcare · HMO2 of 55 counties · drug deductible $700Dental | $0 | $4,500 | $4,500 | 3.5★ |
| 159 | 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★ |
| 160 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS1 of 55 counties · drug deductible $0Preventive dental | $0 | $5,600 | $5,600 | 3.5★ |
| 161 | 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★ |
| 162 | CCHP Senior Value Program (HMO)CCHP (Chinese Community Health Plan) · HMO1 of 55 counties · drug deductible $0Dental · eyewear $50/yr | $0 | $6,000 | $6,000 | 3★ |
| 163 | SCAN Select (HMO)SCAN Health Plan · HMO1 of 55 counties · drug deductible $700Dental · eyewear $100/yr · OTC items $100/yr | $0 | $6,700 | $6,700 | 4★ |
| 164 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS1 of 55 counties · drug deductible $210Preventive dental · eyewear $75/yr · hearing aids $750/yr · OTC items $60/yr | $0 | $6,751 | $6,751 | 3.5★ |
| 165 | Aspire Health Protect (HMO)Aspire Health · HMO1 of 55 counties · drug deductible $250 | $0 | $7,150 | $7,150 | 3.5★ |
| 166 | Humana Gold Plus H5619-184 (HMO)Humana · HMO1 of 55 counties · drug deductible $200Dental up to $1,000/yr · eyewear $200/yr | $0 | $7,150 | $7,150 | 4★ |
| 167 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS2 of 55 counties · drug deductible $255Preventive dental | $0 | $7,550 | $7,550 | 3.5★ |
| 168 | Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS1 of 55 counties · drug deductible $160Preventive dental | $0 | $7,550 | $7,550 | 3.5★ |
| 169 | Wellcare Simple (HMO)Wellcare · HMO1 of 55 counties · drug deductible $700Dental | $0 | $9,250 | $9,250 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
No $0-premium plan with drug coverage in: Alpine, Calaveras, Lassen, Sierra.
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our California Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in California for 2027?
169 of the 252 general-audience Medicare Advantage plans with drug coverage in California have a $0 monthly plan premium for 2027. 4 counties have Advantage plans but none at $0.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among California's $0 plans, the lowest in-network maximum is $199 and the median is $2,000.
Which $0 premium plan in California has the lowest worst-case cost?
Alignment Health Smart 055 (HMO) from Alignment Health Plan, with an in-network out-of-pocket maximum of $2,400 and a Part B giveback of $197 a month. It is sold in 1 of 55 counties.
Do any $0 premium plans in California also have a Part B giveback?
Yes, 34 of them. See the California Part B giveback plans.
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.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All California Medicare Advantage plans, ranked →
- Part B giveback plans in California →
- Where $0 plans are disappearing in 2027 →
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