County guide · San Diego County, CA · 2027 plan year
Original Medicare vs Medicare Advantage in San Diego County, CA
This guide lists 46 Medicare Advantage plans for 2027 in San Diego County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 46
- $0 premium
- 37 plans
- Lowest in-network limit
- $295
- Highest in-network limit
- $9,850
In most states, including California, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in California can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later. California has a birthday rule, but it only lets people who already have Medigap switch to another Medigap plan. It does not help you get Medigap after you leave Medicare Advantage.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G from $175 + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | $4,968 | $7,143 | $7,368 |
| Astiva Health Savings Plan (HMO)HMO from Astiva Health · Plan ID H1993-001 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $186 of Part B) | $3,450 in network | 4 of 5 | 24 services | $282 | $867 | $3,447 |
| Alignment Health Smart 013 (HMO)HMO from Alignment Health Plan · Plan ID H3815-013 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $150 of Part B) | $2,499 in network | 3.5 of 5 | 24 services | $719 | $1,364 | $4,944 |
| Clever Care Value (HMO)HMO from Clever Care Health Plan · Plan ID H7607-015 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $120 of Part B) | $1,999 in network | 4.5 of 5 | 24 services | $1,074 | $1,809 | $4,693 |
| Alignment Health ValorCare 053 (HMO)HMO from Alignment Health Plan · Plan ID H3815-053 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $119 of Part B) | $6,000 in network | 3.5 of 5 | 24 services | $1,126 | $1,876 | $6,846 |
| Alignment Health Smart 056 (HMO)HMO from Alignment Health Plan · Plan ID H3815-056 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $179 of Part B) | $2,400 in network | 3.5 of 5 | 24 services | $371 | $1,963 | $4,661 |
| Alignment Health Smart 047 (HMO)HMO from Alignment Health Plan · Plan ID H3815-047 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $146 of Part B) | $2,899 in network | 3.5 of 5 | 24 services | $767 | $2,082 | $5,472 |
| Alignment Health Platinum + Instacart 016 (HMO-POS)HMO-POS from Alignment Health Plan · Plan ID H3815-016 · Medicare.gov | $0 plan + Part B $209.50 | $1,100 in network | 3.5 of 5 | 24 services | $2,514 | $3,084 | $5,234 |
| Clever Care Longevity (HMO)HMO from Clever Care Health Plan · Plan ID H7607-014 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 | $499 in network | 4.5 of 5 | 24 services | $2,514 | $3,144 | $5,161 |
| Imperial Dynamic Plan (HMO)HMO from Imperial Health Plan of California, Inc. · Plan ID H5496-012 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $15 of Part B) | $295 in network | 4 of 5 | 24 services | $2,334 | $3,159 | $4,789 |
| Champion Ally (HMO)HMO from Champion Heath Plan · Plan ID H6170-007 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 | $499 in network | Not enough data available | 20 services | $2,514 | $3,288 | $5,341 |
| Alignment Health My Choice 050 (HMO)HMO from Alignment Health Plan · Plan ID H3815-050 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 | $3,499 in network | 3.5 of 5 | 24 services | $2,514 | $3,304 | $7,189 |
| SCAN Alta (HMO)HMO from SCAN Health Plan · Plan ID H5425-082 · Medicare.gov | $0 plan + Part B $209.50 | $900 in network | 4 of 5 | 24 services | $2,514 | $3,568 | $5,814 |
| SCAN Costco Medicare Advantage (HMO)HMO from SCAN Health Plan · Plan ID H5425-145 · Medicare.gov | $0 plan + Part B $209.50 | $900 in network | 4 of 5 | 24 services | $2,514 | $3,568 | $5,814 |
| Kaiser Permanente Senior Advantage San Diego (HMO)HMO from Kaiser Permanente · Plan ID H0524-037 · Medicare.gov | $0 plan + Part B $209.50 | $3,400 in network | 4.5 of 5 | 5 services | $2,529 | $4,023 | $8,242 |
| Aetna Medicare Prime (HMO)HMO from Aetna Medicare · Plan ID H0523-075 · Medicare.gov | $0 plan + Part B $209.50 | $3,000 in network | 3 of 5 | 19 services | $2,514 | $4,130 | $7,914 |
| Anthem Medicare Advantage (HMO-POS)HMO-POS from Anthem Blue Cross · Plan ID H0544-065 · Medicare.gov | $0 plan + Part B $209.50 | $3,400 in network | 3.5 of 5 | 23 services | $2,599 | $4,218 | $8,314 |
| SCAN Classic (HMO)HMO from SCAN Health Plan · Plan ID H5425-005 · Medicare.gov | $0 plan + Part B $209.50 | $4,200 in network | 4 of 5 | 24 services | $2,599 | $4,228 | $9,114 |
| Kaiser Permanente Senior Advantage San Diego Value (HMO)HMO from Kaiser Permanente · Plan ID H0524-082 · Medicare.gov | $0 plan + Part B $209.50 | $4,450 in network | 4.5 of 5 | 5 services | $2,549 | $4,233 | $9,292 |
| Blue Shield Advantage (HMO)HMO from Blue Shield of California · Plan ID H0504-055 · Medicare.gov | $0 plan + Part B $209.50 | $499 in network | 4 of 5 | 17 services | $2,514 | $4,347 | $5,413 |
| Blue Shield Value Advantage Plan (HMO)HMO from Blue Shield of California · Plan ID H0504-057 · Medicare.gov | $0 plan + Part B $209.50 | $500 in network | 4 of 5 | 17 services | $2,514 | $4,347 | $5,414 |
| Anthem Prime (HMO-POS)HMO-POS from Anthem Blue Cross Partnership Plan · Plan ID H4161-003 · Medicare.gov | $0 plan + Part B $209.50 | $2,000 in network | 3 of 5 | 23 services | $2,549 | $4,530 | $6,914 |
| Humana Gold Plus H5619-016 (HMO)HMO from Humana · Plan ID H5619-016 · Medicare.gov | $0 plan + Part B $209.50 | $3,000 in network | 4 of 5 | 24 services | $2,579 | $4,597 | $7,914 |
| Humana Gold Plus H3767-001 (HMO)HMO from Humana · Plan ID H3767-001 · Medicare.gov | $0 plan + Part B $209.50 | $3,300 in network | Plan too new to be measured | 24 services | $2,579 | $4,597 | $8,214 |
| Humana Gold Plus Giveback H5619-150 (HMO)HMO from Humana · Plan ID H5619-150 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $42 of Part B) | $5,000 in network | 4 of 5 | 24 services | $2,090 | $4,653 | $8,565 |
| Aetna Medicare Signature Legacy (HMO)HMO from Aetna Medicare · Plan ID H0523-022 · Medicare.govIts page is set for Los Angeles County, CA | $10 plan + Part B $209.50 | $2,000 in network | 3 of 5 | 19 services | $2,699 | $4,672 | $7,034 |
| Blue Shield 65 Plus (HMO)HMO from Blue Shield of California · Plan ID H0504-028 · Medicare.gov | $0 plan + Part B $209.50 | $1,800 in network | 4 of 5 | 17 services | $2,514 | $4,704 | $6,714 |
| Blue Shield AdvantageOptimum Plan 1 (HMO)HMO from Blue Shield of California · Plan ID H5928-010 · Medicare.gov | $0 plan + Part B $209.50 | $4,400 in network | 3.5 of 5 | 17 services | $2,514 | $5,019 | $9,314 |
| Anthem Select (HMO-POS)HMO-POS from Anthem Blue Cross · Plan ID H0544-091 · Medicare.gov | $0 plan + Part B $209.50 | $3,000 in network | 3.5 of 5 | 23 services | $2,559 | $5,054 | $7,914 |
| UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-204 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $15 of Part B) | $4,450 in network | 3 of 5 | 24 services | $2,334 | $5,145 | $9,184 |
| UHC Sharp Medicare Advantage CA-026P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-225 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $19 of Part B) | $4,450 in network | 3 of 5 | 24 services | $2,286 | $5,220 | $9,136 |
| AARP Medicare Advantage from UHC CA-0012 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-152 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $13 of Part B) | $3,900 in network | 3 of 5 | 24 services | $2,358 | $5,257 | $8,658 |
| UHC Sharp Medicare Advantage CA-001P (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-145 · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $6 of Part B) | $4,450 in network | 3 of 5 | 24 services | $2,442 | $5,376 | $9,292 |
| Humana USAA Honor Giveback with Rx (PPO)PPO from Humana · Plan ID H5525-057 · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $55 of Part B) | $6,400 in network; $9,050 in and out of network | 4 of 5 | 24 services | $2,250 | $5,493 | $10,654 |
| AARP Medicare Advantage from UHC CA-0001 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-013 · Medicare.gov | $29 plan + Part B $209.50 | $5,300 in network | 3 of 5 | 24 services | $2,862 | $5,546 | $9,477 |
| SCAN Select (HMO)HMO from SCAN Health Plan · Plan ID H5425-134 · Medicare.gov | $80 plan + Part B $209.50 | $4,450 in network | 4 of 5 | 24 services | $3,534 | $5,741 | $10,324 |
| AARP Medicare Advantage from UHC CA-0007 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-060 · Medicare.gov | $52 plan + Part B $209.50 | $3,800 in network | 3 of 5 | 24 services | $3,138 | $5,752 | $9,153 |
| Alignment Health Honor Plus 060 (HMO)HMO from Alignment Health Plan · Plan ID H3815-060 · Medicare.govIts page is set for Los Angeles County, CA | $7.30 plan + Part B $209.50 | $9,850 in network | 3.5 of 5 | 24 services | $2,656 | $5,775 | $9,750 |
| Wellcare Low Premium Focus (HMO)HMO from Wellcare · Plan ID H0562-012 · Medicare.gov | $27 plan + Part B $209.50 | $4,150 in network | 3.5 of 5 | 20 services | $2,868 | $5,843 | $9,388 |
| Wellcare Low Premium (HMO)HMO from Wellcare · Plan ID H0562-137 · Medicare.gov | $47 plan + Part B $209.50 | $4,500 in network | 3.5 of 5 | 20 services | $3,103 | $5,993 | $9,978 |
| Alignment Health Balance Plus 004 (PPO)PPO from Alignment Health Plan · Plan ID H8832-004 · Medicare.gov | $7.30 plan + Part B $209.50 | $9,850 in network; $11,950 in and out of network | 4 of 5 | 24 services | $2,709 | $6,159 | $10,500 |
| Alignment Health Advantage 005 (PPO)PPO from Alignment Health Plan · Plan ID H8832-005 · Medicare.govIts page is set for Los Angeles County, CA | $160 plan + Part B $209.50 | $4,451 in network; $8,950 in and out of network | 4 of 5 | 24 services | $4,489 | $6,359 | $10,214 |
| Imperial Courage Plan (HMO)HMO from Imperial Health Plan of California, Inc. · Plan ID H5496-016 · No drug coverage · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $85 of Part B) | $2,999 in network | 4 of 5 | 24 services | $1,787 | $9,117 | $26,042 |
| Aetna Medicare Eagle (HMO)HMO from Aetna Medicare · Plan ID H0523-099 · No drug coverage · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $40 of Part B) | $4,450 in network | 3 of 5 | 19 services | $2,372 | $9,526 | $26,355 |
| Humana USAA Honor Giveback (HMO)HMO from Humana · Plan ID H5619-121 · No drug coverage · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $45 of Part B) | $5,250 in network | 4 of 5 | 24 services | $2,322 | $9,826 | $27,865 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5525-078 · No drug coverage · Medicare.govIts page is set for Los Angeles County, CA | $0 plan + Part B $209.50 (the plan pays back $90 of Part B) | $6,750 in network; $10,100 in and out of network | 4 of 5 | 24 services | $1,812 | $10,146 | $29,405 |
| AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0543-258 · No drug coverage · Medicare.gov | $0 plan + Part B $209.50 (the plan pays back $25 of Part B) | $5,900 in network | 3 of 5 | 24 services | $2,502 | $10,201 | $28,490 |
Original Medicare totals use the lowest Plan G price that California Department of Insurance, Medicare Supplement rate guide lists for a 65-year-old woman who does not use tobacco, $175 a month. A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. Medigap prices come from California Department of Insurance, Medicare Supplement rate guide, pulled 2026-10-13. They are for ZIP 92004. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices: California Department of Insurance, Medicare Supplement rate guide
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.