Medicare Advantage plans in Los Angeles County, California (2027)
The smallest out-of-pocket cap in the whole 2027 landscape file is sold here, inside a market where almost every plan is an HMO.
Los Angeles, California: plans open to everyone on Parts A and B
70 plans
55 with a $0 premium and drug coverage · out-of-pocket limits $199 to $9,850 · best rating 4.5★ · 17 plan IDs of 2026 not renewed here
70 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Blue Shield Value Advantage Plan (HMO)Blue Shield of California · HMO · H0504-056-0 | $0 | $300 | $199 | 4.0★ |
| Imperial Dynamic Plan (HMO)Imperial Health Plan of California, Inc. · HMO · H5496-012-0 | $0 | $0 | $295 | 4.0★ |
| Aetna Medicare Prime (HMO)Aetna Medicare · HMO · H0523-085-0 | $0 | $700 | $299 | 3.0★ |
| Aetna Medicare Prime Extra (HMO)Aetna Medicare · HMO · H4982-025-0 | $0 | $400 | $299 | 2.5★ |
| Blue Shield Advantage (HMO)Blue Shield of California · HMO · H0504-054-0 | $0 | $300 | $299 | 4.0★ |
| CareMore Health Plan by SCAN (HMO)SCAN Health Plan · HMO · H5425-152-0 | $0 | $150 | $299 | 4.0★ |
| SCAN Classic (HMO)SCAN Health Plan · HMO · H5425-006-0 | $0 | $370 | $299 | 4.0★ |
| SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO · H5425-142-0 | $0 | $370 | $299 | 4.0★ |
| Central Health Harmony 001 (HMO)Alignment Health Plan · HMO · H6697-001-0 | $0 | $700 | $498 | new |
| Alignment Health BRIDGE 003 (HMO)Alignment Health Plan · HMO · H6697-003-0 | $0 | $700 | $499 | new |
| Alignment Health Platinum + Instacart 008 (HMO)Alignment Health Plan · HMO · H3815-008-0 | $0 | $0 | $499 | 3.5★ |
| Blue Shield Inspire (HMO)Blue Shield of California · HMO · H0504-043-0 | $0 | $300 | $499 | 4.0★ |
| Champion Ally (HMO)Champion Heath Plan · HMO · H6170-007-0 | $0 | $0 | $499 | too few data |
| Clever Care Longevity (HMO)Clever Care Health Plan · HMO · H7607-014-0 | $0 | $0 | $499 | 4.5★ |
| SCAN Baekse (HMO)SCAN Health Plan · HMO · H5425-155-0 | $0 | $200 | $499 | 4.0★ |
| Elite Signature HMO (HMO)Elite Health Plan, Inc. · HMO · H6368-001-0 | $0 | $0 | $500 | new |
| Alignment Health My Choice 001 (HMO)Alignment Health Plan · HMO · H3815-001-0 | $0 | $0 | $550 | 3.5★ |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · H4982-001-0 | $0 | $300 | $599 | 2.5★ |
| Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO · H0523-086-0 | $0 | $300 | $599 | 3.0★ |
| Humana Gold Plus H5619-021 (HMO)Humana · HMO · H5619-021-0 | $0 | $250 | $799 | 4.0★ |
| AARP Medicare Advantage from UHC CA-003P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-151-0 | $0 | $595 | $800 | 3.0★ |
| AARP Medicare Advantage from UHC CA-004P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-168-0 | $0 | $595 | $800 | 3.0★ |
| AARP Medicare Advantage Giveback from UHC CA-30P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-236-0 | $0 | $685 | $800 | 3.0★ |
| Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS · H4161-009-0 | $0 | $490 | $800 | 3.0★ |
| Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS · H0544-058-0 | $0 | $200 | $800 | 3.5★ |
| Humana Gold Plus H3767-002 (HMO)Humana · HMO · H3767-002-0 | $0 | $250 | $999 | new |
| Kaiser Permanente Senior Advantage LA, Orange Co. (HMO)Kaiser Permanente · HMO · H0524-003-0 | $0 | $0 | $999 | 4.5★ |
| SCAN Inclusive (HMO)SCAN Health Plan · HMO · H5425-158-0 | $0 | $250 | $999 | 4.0★ |
| Anthem I CareMore Medicare Advantage (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS · H4161-011-0 | $0 | $145 | $1,000 | 3.0★ |
| Anthem I CareMore Premium Savings (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS · H4161-012-0 | $0 | $145 | $1,000 | 3.0★ |
| SCAN Venture (HMO)SCAN Health Plan · HMO · H5425-084-0 | $0 | $370 | $1,000 | 4.0★ |
| Blue Shield 65 Plus (HMO)Blue Shield of California · HMO · H0504-015-0 | $0 | $390 | $1,300 | 4.0★ |
| Anthem I CareMore Medicare Advantage 2 (HMO-POS)Anthem Blue Cross · HMO-POS · H0544-002-0 | $0 | $85 | $1,500 | 3.5★ |
| Blue Shield 65 Plus Plan 2 (HMO)Blue Shield of California · HMO · H0504-021-0 | $0 | $390 | $1,850 | 4.0★ |
| Clever Care Value (HMO)Clever Care Health Plan · HMO · H7607-015-0 | $0 | $0 | $1,999 | 4.5★ |
| SCAN Allied (HMO)SCAN Health Plan · HMO · H5425-123-0 | $0 | $75 | $2,000 | 4.0★ |
| Alignment Health Smart 055 (HMO)Alignment Health Plan · HMO · H3815-055-0 | $0 | $700 | $2,400 | 3.5★ |
| Elite Core HMO (HMO)Elite Health Plan, Inc. · HMO · H6368-002-0 | $0 | $150 | $2,400 | new |
| SCAN Essential Savings (HMO)SCAN Health Plan · HMO · H5425-133-0 | $0 | $370 | $2,400 | 4.0★ |
| Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO · H3815-013-0 | $0 | $0 | $2,499 | 3.5★ |
| UCLA Health Medicare Advantage Principal Plan (HMO)UCLA Health Medicare Advantage Plan · HMO · H4647-001-0 | $0 | $300 | $2,499 | 3.5★ |
| Humana Gold Plus Giveback H5619-146 (HMO)Humana · HMO · H5619-146-0 | $0 | $700 | $2,700 | 4.0★ |
| Alignment Health Smart 047 (HMO)Alignment Health Plan · HMO · H3815-047-0 | $0 | $700 | $2,899 | 3.5★ |
| AARP Medicare Advantage from UHC CA-45 (HMO-POS)UnitedHealthcare · HMO-POS · H0543-260-0 | $0 | $685 | $2,900 | 3.0★ |
| Advantage Care (HMO)Align Senior Care · HMO · H3274-005-0 | $0 | $150 | $2,900 | too few data |
| Kaiser Permanente Sr Advantage LA, Orange Value (HMO)Kaiser Permanente · HMO · H0524-078-0 | $0 | $0 | $2,900 | 4.5★ |
| Imperial Courage Plan (HMO)Imperial Health Plan of California, Inc. · HMO · H5496-016-0 | $0 | no drugs | $2,999 | 3.5★ |
| Wellcare Simple Focus (HMO)Wellcare · HMO · H0562-125-0 | $0 | $700 | $3,200 | 3.5★ |
| Astiva Health Savings Plan (HMO)Astiva Health · HMO · H1993-001-0 | $0 | $0 | $3,450 | 4.0★ |
| Alignment Health My Choice 050 (HMO)Alignment Health Plan · HMO · H3815-050-0 | $0 | $0 | $3,499 | 3.5★ |
| Blue Shield AdvantageOptimum Plan (HMO)Blue Shield of California · HMO · H5928-004-0 | $0 | $350 | $3,600 | 3.5★ |
| HumanaChoice H5525-075 (PPO)Humana · PPO · H5525-075-0 | $0 | $700 | $4,350 | 4.0★ |
| Aetna Medicare Eagle (HMO)Aetna Medicare · HMO · H0523-099-0 | $0 | no drugs | $4,450 | 3.0★ |
| Wellcare Simple (HMO)Wellcare · HMO · H5087-005-0 | $0 | $700 | $4,500 | 3.5★ |
| Humana USAA Honor Giveback (HMO)Humana · HMO · H5619-121-0 | $0 | no drugs | $5,250 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-121-0 | $0 | no drugs | $5,900 | 3.5★ |
| Alignment Health ValorCare 053 (HMO)Alignment Health Plan · HMO · H3815-053-0 | $0 | $0 | $6,000 | 3.5★ |
| Humana USAA Honor Giveback with Rx (PPO)Humana · PPO · H5525-057-0 | $0 | $700 | $6,400 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5525-078-0 | $0 | no drugs | $6,750 | 4.0★ |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross · HMO-POS · H0544-061-0 | $0 | $255 | $7,550 | 3.5★ |
| Alignment Health Honor Plus 060 (HMO)Alignment Health Plan · HMO · H3815-060-0 | $7.30 | $700 | $9,850 | 3.5★ |
| Aetna Medicare Signature Legacy (HMO)Aetna Medicare · HMO · H0523-022-0 · was $0 in 2026 | $10 | $700 | $2,000 | 3.0★ |
| SCAN Inspired by women for women (HMO)SCAN Health Plan · HMO · H5425-100-0 | $15 | $370 | $999 | 4.0★ |
| SCAN Prime (HMO)SCAN Health Plan · HMO · H5425-065-0 | $20 | $370 | $2,499 | 4.0★ |
| Wellcare Low Premium (HMO)Wellcare · HMO · H0562-136-0 · was $46 in 2026 | $42 | $700 | $4,150 | 3.5★ |
| UCLA Health Medicare Advantage Prestige Plan (HMO)UCLA Health Medicare Advantage Plan · HMO · H4647-002-0 | $45 | $300 | $1,499 | 3.5★ |
| AARP Medicare Advantage from UHC CA-34P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-255-0 · was $55 in 2026 | $46 | $595 | $800 | 3.0★ |
| HumanaChoice H5525-074 (PPO)Humana · PPO · H5525-074-0 · was $34 in 2026 | $49 | $700 | $3,650 | 4.0★ |
| Alignment Health Advantage 001 (PPO)Alignment Health Plan · PPO · H8832-001-0 · was $45 in 2026 | $70 | $0 | $4,451 | 4.0★ |
| Alignment Health Advantage 005 (PPO)Alignment Health Plan · PPO · H8832-005-0 | $160 | $700 | $4,451 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all California counties and drug plans
No county in the country has a lower out-of-pocket cap than Los Angeles for 2027: Blue Shield Value Advantage Plan (HMO), from Blue Shield of California, limits in-network spending on covered medical care to $199 for the year, the smallest MOOP (maximum out of pocket) in the CMS landscape file, where the national median is $6,550. Los Angeles County lists 70 plans that anyone with Parts A and B can join, and 55 of the ones that include drug coverage charge no monthly premium. Half the open plans stop your costs at $1,500 or less. HMOs make up 64 of the 70; only 6 are PPOs. 30 plans carry four stars or more for 2027, with Clever Care Longevity (HMO) at 4.5 stars. The 2026 file had 74 open plans here; 17 plan IDs were not filed again and 13 appear for the first time.
Why a $199 cap can exist in Los Angeles
The highest cap any plan filed for 2027 is $9,850, and most of the country sits far above Los Angeles. Here, Alignment Healthcare USA, LLC with 12, SCAN Group with 10, Humana Inc. with 8 lead the count of open plan segments, and much of their business runs through contracted medical groups that manage your care from a primary care office. The result is a menu where low caps are ordinary rather than rare. The catch is the network: in an HMO, every visit outside the plan's group, other than emergencies and urgent care, is yours to pay, and the cap does not apply to it.
Health systems with their own plans
Kaiser Permanente and UCLA Health both file plans in the county. Clever Care Longevity (HMO) holds the best 2027 rating here, and the same Kaiser plan is also sold in Orange County, which lists 62 open plans and a median cap of $1,150. A plan run by a hospital system usually means you get care inside that system, so it fits best if your doctors already practice there.
What an out-of-pocket cap is worth in a bad year
The cap saves
$12,522
| Original Medicare alone (20%, 1 admission) | $14,022 |
| With the plan’s cap | $1,500 |
Chronic-condition plans outnumber Medicaid plans
Los Angeles has 54 special needs plans, and 41 of them are chronic-condition SNPs, built for people with diabetes, heart failure or similar diagnoses; just 8 are for people who also have Medicaid. That balance is unusual next to most large counties, where Medicaid plans lead. Across California the count is 135 special needs plans.
Next door and last year
Ventura County, to the west, has only 17 open plans; San Bernardino, to the east, has 49. Your plan must be filed for the county where you live. Among the 17 IDs that did not return for 2027 are several Central Health plans and Molina Medicare Choice Care: their members were told in the Annual Notice of Change where they will be moved, or that they must choose again by December 7.
2026 plans not filed again here for 2027
These plan IDs were offered in Los Angeles County in 2026 and do not appear for the county in the 2027 file. A plan can be closed, moved out of the county or merged into another ID; the insurer must tell its members in the Annual Notice of Change sent by September 30.
- AARP Medicare Advantage from UHC CA-37 (HMO-POS) (UnitedHealthcare, H0543-251-0, insurer still present)
- Astiva Health Premier Plan (HMO) (Astiva Health, H1993-015-0, insurer still present)
- Alignment Health the ONE (HMO) (Alignment Health Plan, H3815-034-0, insurer still present)
- Alignment Health My Choice Select (HMO) (Alignment Health Plan, H3815-049-0, insurer still present)
- Alignment Health Honor+ Plan (HMO) (Alignment Health Plan, H3815-052-0, insurer still present)
- Wellcare Giveback (HMO) (Wellcare, H5087-032-0, insurer still present)
- SCAN Affirm partnered with Included LGBTQ+ Health (HMO) (SCAN Health Plan, H5425-092-0, insurer still present)
- SCAN MyChoice (HMO) (SCAN Health Plan, H5425-108-0, insurer still present)
- Aetna Medicare Eagle (PPO) (Aetna Medicare, H5521-369-0)
- Aetna Medicare Signature (PPO) (Aetna Medicare, H5521-419-0)
- Aetna Medicare Enhanced (PPO) (Aetna Medicare, H5521-578-0)
- Central Health Medicare Plan (HMO) (Central Health Medicare Plan, H5649-001-0)
- Central Health Jade Plan (HMO) (Central Health Medicare Plan, H5649-022-0)
- Central Health Classic Care Plan I (HMO) (Central Health Medicare Plan, H5649-027-0)
- Central Health Part B Savings Plan (HMO) (Central Health Medicare Plan, H5649-029-0)
- Central Health Valor Care Plan (HMO) (Central Health Medicare Plan, H5649-030-0)
- Molina Medicare Choice Care (HMO) (Molina Healthcare of California, H5810-014-0)