Medicare Advantage in California: what changes for 2027
Every fall, plans change. Here is how California’s Medicare Advantage plans for 2027 compare with 2026, from Medicare’s own plan files. Check your own plan’s Annual Notice of Change too.
- Plans available in 2027
- 387
- ▼ 4 fewer than 2026 (391)
- $0 monthly premium
- 71%
- of plans, vs 67% in 2026
- Insurance companies
- 35
- 0 new · 2 leaving
What this means for you
- 67 plans offered in 2026 are not offered again in California for 2027. If yours is one of them, your plan must send you a letter before Open Enrollment. Some members are moved into another plan from the same company; the letter says what happens to you, and you can choose a different plan during Open Enrollment.
- 63 plans are new in California for 2027. Some may be existing plans offered under a new plan number.
- No Medicare Advantage plan is offered in 2027 in Lake. People there can still use Original Medicare, with a Medigap policy and a Part D drug plan.
- 2 counties have 3 or fewer plans in 2027: Lassen (2), Sierra (2). With fewer choices, check that your doctors are in the plan's network before you enroll.
- The highest in-network out-of-pocket limit rose to $9,850 (from $9,250 in 2026). Compare the yearly limit, not just the monthly premium.
- Providence St Joseph Health and Sharp Healthcare do not offer Medicare Advantage plans in California for 2027. If your plan is from one of them, watch for its letter and choose new coverage during Open Enrollment.
- 2027 drug costs, stars and pharmacy networks are not published yet. If you take medicines, check your costs again when CMS publishes them. We never fill gaps with 2026 numbers.
Insurance companies
New for 2027
None
Leaving after 2026
- Providence St Joseph Health (1 plan in 2026)
- Sharp Healthcare (4 plans in 2026)
Staying (A–Z)
- AIDS Healthcare Foundation (1)
- Alameda Alliance for Health (1)
- Alignment Healthcare USA, LLC (46)
- Astiva Health Holdings Incorporated (8)
- California Physicians' Service (20)
- Centene Corporation (13)
- Champion Health Plans-USA, LLC. (10)
- Chinese Hospital Association (4)
- Clever Care Health Plan, Inc. (6)
- Community Health Group (2)
- Contra Costa Health Services (1)
- Curana Health Holdings, LLC (3)
- CVS Health Corporation (26)
- Elevance Health, Inc. (37)
- Elite Health Systems, Inc. (2)
- Health Plan of San Mateo (1)
- Humana Inc. (28)
- IMPERIAL COUNTY LOCAL HEALTH AUTHORITY (1)
- Imperial Health Plan of California (4)
- INLAND EMPIRE HEALTH PLAN (1)
- Kaiser Foundation Health Plan, Inc. (48)
- Kern Health Systems (KHS) (1)
- Local Initiative Health Authority for LA County (1)
- Molina Healthcare, Inc. (1)
- Montage Health (4)
- Orange County Health Authority (1)
- SAN FRANCISCO HEALTH AUTHORITY (1)
- SAN JOAQUIN COUNTY HEALTH COMMISSION (1)
- SANTA BARBARA SAN LUIS OBISPO REGIONAL HEALTH AUTH (1)
- SANTA CLARA COUNTY HEALTH AUTHORITY (1)
- SANTA CRUZ MONTEREY MERCED SAN BENITO MARIPOSA MAN (1)
- SCAN Group (66)
- The Regents of the University of California (2)
- UnitedHealth Group, Inc. (42)
- Ventura County Medi-Cal Managed Care Commission (1)
Listed A–Z with 2027 plan counts by parent company. Not a ranking.
Costs and plan types: 2026 vs 2027
| Measure | 2026 | 2027 |
|---|---|---|
| Lowest out-of-pocket limit | $199 | $199 |
| Typical (median) limit | $3,000 | $3,200 |
| Highest limit | $9,250 | $9,850 |
| Special Needs Plans | 120 | 130 |
| HMO plans | 361 | 369 |
| PPO plans | 30 | 18 |
Next steps
Sources: CMS MA/Part D Landscape CY2026 (published 202609, retrieved Oct 10, 2026); CMS plan type + in-network MOOP (plan meta) CY2026 (publication date not recorded); CMS MA/Part D Landscape CY2027 (published 202609, retrieved Oct 10, 2026); CMS plan type + in-network MOOP (plan meta) CY2027 (published PY2027, retrieved Oct 4, 2026); PlanScout analysis. Counts are Medicare Advantage plans in CMS’s Landscape files; stand-alone Part D plans are not included. A plan that is “not offered again” is a 2026 plan ID with no 2027 listing in California. No plan is ranked or recommended.