Medicare Advantage plans in Orange County, California (2027)
Half the plans open to everyone in Orange County cap yearly medical costs at $1,150 or less, a figure few counties anywhere come near.
Orange, California: plans open to everyone on Parts A and B
62 plans
49 with a $0 premium and drug coverage · out-of-pocket limits $295 to $9,850 · best rating 4.5★ · 16 plan IDs of 2026 not renewed here
62 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 |
|---|---|---|---|---|
| Imperial Dynamic Plan (HMO)Imperial Health Plan of California, Inc. · HMO · H5496-012-0 | $0 | $0 | $295 | 4.0★ |
| 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 Costco Medicare Advantage (HMO)SCAN Health Plan · HMO · H5425-141-0 | $0 | $370 | $299 | 4.0★ |
| SCAN Classic (HMO)SCAN Health Plan · HMO · H5425-007-0 | $0 | $370 | $399 | 4.0★ |
| Central Health Harmony 001 (HMO)Alignment Health Plan · HMO · H6697-001-0 | $0 | $700 | $498 | 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 |
| Champion Anwell (HMO)Champion Heath Plan · HMO · H6170-018-0 | $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★ |
| Alignment Health My Choice 001 (HMO)Alignment Health Plan · HMO · H3815-001-0 | $0 | $0 | $550 | 3.5★ |
| Aetna Medicare Prime (HMO)Aetna Medicare · HMO · H0523-073-0 | $0 | $400 | $599 | 3.0★ |
| 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-005P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-169-0 | $0 | $595 | $800 | 3.0★ |
| AARP Medicare Advantage from UHC CA-021P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-220-0 | $0 | $595 | $800 | 3.0★ |
| AARP Medicare Advantage Giveback from UHC CA-31P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-237-0 | $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★ |
| Alignment Health Platinum Preferred 004 (HMO)Alignment Health Plan · HMO · H6697-004-0 | $0 | $700 | $999 | new |
| 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★ |
| Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO · H3815-013-0 | $0 | $0 | $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-46 (HMO-POS)UnitedHealthcare · HMO-POS · H0543-262-0 | $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★ |
| SCAN Select (HMO)SCAN Health Plan · HMO · H5425-159-0 | $0 | $700 | $6,700 | 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★ |
| AARP Medicare Advantage from UHC CA-33P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-254-0 · 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 Platinum Preferred+ 005 (HMO)Alignment Health Plan · HMO · H6697-005-0 | $99 | $700 | $1,499 | new |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all California counties and drug plans
Orange County, California, has the lowest median out-of-pocket cap of the large Southern California counties for 2027: half of its 62 open Medicare Advantage plans limit in-network spending to $1,150 or less, against $1,500 in Los Angeles and a national median of $6,550. The cheapest cap is $295, with Imperial Dynamic Plan (HMO). Prices are low too: 49 drug-covering plans have a $0 premium and the most expensive open plan costs $99 a month. 26 plans hold four stars or more in the 2027 ratings, topped by Clever Care Longevity (HMO) at 4.5 stars. Nearly all of the menu is HMO (58 plans, 4 PPOs). Compared with 2026, the county went from 64 to 62 open plans, with 16 IDs dropped and 14 new ones. Special needs plans number 49, most of them for chronic conditions.
A median cap near $1,150: how to read it
A median this low means that in half of the open plans, a bad year with a hospital stay and months of treatment costs you no more than a four-figure sum, as long as you stay in network. That is the strong side. The other side is that low-cap HMOs here are organized around medical groups: you pick one when you enroll, and specialists are reached through its referrals. Before you switch for a lower cap, check that your current physician belongs to the group the plan assigns, not only to the plan.
A “$0 plan” over a year
Still paid in 2027
$3,548
| Part B premium (projected) | $2,514 |
| Cost sharing, up to the cap | $1,034 |
| Worst case | $9,264 |
Insurers by number of plans
Alignment Healthcare USA, LLC (10), SCAN Group (9), Humana Inc. (8), Elevance Health, Inc. (6), UnitedHealth Group, Inc. (6), CVS Health Corporation (5). Imperial Health Plan, SCAN and Blue Shield fill the bottom of the cap ranking; Kaiser's LA and Orange Value plan has the highest rating. Providence Medicare Sycamore, an Alignment Health PPO and four Central Health plans are among the IDs not filed for 2027.
Few plans for people with Medi-Cal
Only 3 of the 49 special needs plans are for people with both Medicare and Medi-Cal, while 41 serve chronic conditions. Dual-eligible residents should ask the county's Medi-Cal office or the HICAP counseling program which integrated option applies to them before the annual window closes on December 7.
Neighboring menus
Los Angeles lists 70 open plans, Riverside 47 and San Diego 46. A move across any of those lines changes the plans you can join.
2026 plans not filed again here for 2027
These plan IDs were offered in Orange 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.
- 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 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)
- Alignment Health Advantage PPO (PPO) (Alignment Health Plan, H8832-001-0)
- Providence Medicare Sycamore + Rx (HMO) (Providence Medicare Advantage Plans, H9047-066-0)