Medicare Advantage plans in Riverside County, California (2027)
In Riverside County no plan open to everyone costs more than $49 a month, so the real comparison happens on caps, drug deductibles and networks.
Riverside, California: plans open to everyone on Parts A and B
47 plans
39 with a $0 premium and drug coverage · out-of-pocket limits $295 to $9,850 · best rating 4.5★ · 13 plan IDs of 2026 not renewed here
47 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★ |
| Aetna Medicare Prime (HMO)Aetna Medicare · HMO · H0523-088-0 | $0 | $700 | $299 | 3.0★ |
| Aetna Medicare Prime Extra (HMO)Aetna Medicare · HMO · H4982-026-0 | $0 | $400 | $299 | 2.5★ |
| SCAN Classic (HMO)SCAN Health Plan · HMO · H5425-008-0 | $0 | $370 | $399 | 4.0★ |
| SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO · H5425-143-0 | $0 | $370 | $399 | 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★ |
| 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 Prime Value Plus (HMO)Aetna Medicare · HMO · H4982-022-0 · was $11.50 in 2026 | $0 | $400 | $599 | 2.5★ |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · H4982-002-0 | $0 | $600 | $599 | 2.5★ |
| Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO · H0523-089-0 | $0 | $700 | $599 | 3.0★ |
| Humana Gold Plus H5619-178 (HMO)Humana · HMO · H5619-178-0 | $0 | $700 | $799 | 4.0★ |
| Anthem Prime (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS · H4161-002-0 | $0 | $270 | $800 | 3.0★ |
| Blue Shield 65 Plus Choice Plan (HMO)Blue Shield of California · HMO · H0504-040-0 | $0 | $390 | $950 | 4.0★ |
| AARP Medicare Advantage from UHC CA-0015 (HMO-POS)UnitedHealthcare · HMO-POS · H0543-166-0 · was $12 in 2026 | $0 | $595 | $999 | 3.0★ |
| AARP Medicare Advantage from UHC CA-006P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-170-0 | $0 | $595 | $999 | 3.0★ |
| AARP Medicare Advantage from UHC CA-022P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-221-0 | $0 | $595 | $999 | 3.0★ |
| AARP Medicare Advantage Giveback from UHC CA-32P (HMO-POS)UnitedHealthcare · HMO-POS · H0543-238-0 | $0 | $685 | $999 | 3.0★ |
| SCAN Inclusive (HMO)SCAN Health Plan · HMO · H5425-158-0 | $0 | $250 | $999 | 4.0★ |
| Wellcare Simple Focus (HMO)Wellcare · HMO · H0562-126-0 | $0 | $700 | $1,000 | 3.5★ |
| Anthem Select (HMO-POS)Anthem Blue Cross · HMO-POS · H0544-066-0 | $0 | $100 | $1,800 | 3.5★ |
| SCAN Venture (HMO)SCAN Health Plan · HMO · H5425-085-0 | $0 | $370 | $1,900 | 4.0★ |
| Clever Care Value (HMO)Clever Care Health Plan · HMO · H7607-015-0 | $0 | $0 | $1,999 | 4.5★ |
| SCAN Desert Choice (HMO)SCAN Health Plan · HMO · H5425-135-0 | $0 | $370 | $2,050 | 4.0★ |
| Elite Core HMO (HMO)Elite Health Plan, Inc. · HMO · H6368-002-0 | $0 | $150 | $2,400 | new |
| Alignment Health Smart 013 (HMO)Alignment Health Plan · HMO · H3815-013-0 | $0 | $0 | $2,499 | 3.5★ |
| Kaiser Permanente Senior Advantage Inland Empire (HMO)Kaiser Permanente · HMO · H0524-015-0 | $0 | $0 | $2,500 | 4.5★ |
| Blue Shield 65 Plus (HMO)Blue Shield of California · HMO · H0504-026-0 | $0 | $390 | $2,800 | 4.0★ |
| Alignment Health Smart 047 (HMO)Alignment Health Plan · HMO · H3815-047-0 | $0 | $700 | $2,899 | 3.5★ |
| Advantage Care (HMO)Align Senior Care · HMO · H3274-005-0 | $0 | $150 | $2,900 | too few data |
| Imperial Courage Plan (HMO)Imperial Health Plan of California, Inc. · HMO · H5496-016-0 | $0 | no drugs | $2,999 | 3.5★ |
| Humana Gold Plus H5619-191 (HMO)Humana · HMO · H5619-191-1 | $0 | $200 | $3,200 | 4.0★ |
| 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★ |
| HumanaChoice H5525-075 (PPO)Humana · PPO · H5525-075-0 | $0 | $700 | $4,350 | 4.0★ |
| Kaiser Permanente Sr Advantage Inland Empire Value (HMO)Kaiser Permanente · HMO · H0524-081-0 | $0 | $0 | $4,450 | 4.5★ |
| Humana Gold Plus Giveback H5619-150 (HMO)Humana · HMO · H5619-150-0 | $0 | $700 | $5,000 | 4.0★ |
| 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★ |
| 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★ |
| Wellcare Low Premium (HMO)Wellcare · HMO · H0562-137-0 · was $50 in 2026 | $47 | $700 | $4,500 | 3.5★ |
| HumanaChoice H5525-074 (PPO)Humana · PPO · H5525-074-0 · was $34 in 2026 | $49 | $700 | $3,650 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all California counties and drug plans
Riverside County's Medicare Advantage menu for 2027 is cheap from top to bottom: the highest monthly premium among its 47 open plans is $49, and 39 of the plans that cover drugs charge nothing at all. The lowest in-network out-of-pocket cap is $295, filed by Imperial Dynamic Plan (HMO), and the median cap is $1,999, far below the national median of $6,550. Humana files the most plans here (8), ahead of Alignment Health, Aetna, SCAN and UnitedHealthcare. 21 plans hold four stars or more for 2027, and Kaiser Permanente Sr Advantage Inland Empire Value (HMO), which Kaiser Permanente also sells in San Bernardino County, reaches 4.5 stars. The county had 56 open plans in 2026 and has 47 now: 13 IDs were not renewed and 4 are new. Add 41 special needs plans, 33 of them for chronic conditions, and the list above is complete.
When the premium is $0, compare the drug deductible
With premiums this low, the line that moves your bill most is often the Part D deductible inside the plan. For 2027 the standard drug benefit allows a deductible up to $700, and $0 plans in Riverside do not all use the same figure: some waive it, others charge part of it or all of it before covering brand drugs. Every plan, though, stops your yearly drug spending at $2,400. The deductible column in the list above shows each plan's choice, and the calculator below shows what a typical monthly drug bill becomes under the standard rules.
Your 2027 pharmacy bill under the standard benefit
You pay in 2027
$1,425
| Deductible | $700 |
| Coinsurance | $725 |
| Cap reached | no |
Desert cities and the network question
The county runs from Corona and Riverside city to the Coachella Valley. An HMO built around a medical group in the western county may have few contracted doctors near Palm Springs or Indio, so residents of the desert cities should search the 2027 provider directory by their own ZIP code before switching. 43 of the open plans are HMOs and 4 are PPOs.
Riverside next to San Bernardino
The two Inland Empire counties share most insurers and many plan names. San Bernardino lists 49 open plans and 46 special needs plans, with a median cap of $1,800; Riverside has 47 and 41. San Diego, to the south, has 46. Several Central Health plans, Molina Medicare Choice Care and Humana Gold Plus H5619-148 are among the Riverside IDs not filed for 2027; the full exit list is at the bottom of this page.
2026 plans not filed again here for 2027
These plan IDs were offered in Riverside 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)
- 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)
- Humana Gold Plus H5619-148 (HMO) (Humana, H5619-148-0, insurer still present)
- 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)
- Molina Medicare Choice Care (HMO) (Molina Healthcare of California, H5810-014-0)