Medicare Advantage plans in San Bernardino County, California (2027)
San Bernardino County has almost as many special needs plans as plans open to everyone, and most of them are written for a specific chronic illness.
San Bernardino, California: plans open to everyone on Parts A and B
49 plans
40 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
49 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 · H5425-009-0 | $0 | $370 | $399 | 4.0★ |
| SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO · H5425-144-0 | $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★ |
| Anthem I CareMore Medicare Advantage (HMO-POS)Anthem Blue Cross Partnership Plan · HMO-POS · H4161-013-0 | $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★ |
| Wellcare Simple Focus (HMO)Wellcare · HMO · H0562-126-0 | $0 | $700 | $1,000 | 3.5★ |
| Anthem I CareMore Medicare Advantage 2 (HMO-POS)Anthem Blue Cross · HMO-POS · H0544-002-0 | $0 | $85 | $1,500 | 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★ |
| 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 · H0504-017-0 | $0 | $390 | $2,550 | 4.0★ |
| Alignment Health Smart 047 (HMO)Alignment Health Plan · HMO · H3815-047-0 | $0 | $700 | $2,899 | 3.5★ |
| 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★ |
| SCAN Prime (HMO)SCAN Health Plan · HMO · H5425-065-0 | $20 | $370 | $2,499 | 4.0★ |
| 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
San Bernardino County offers 49 Medicare Advantage plans open to anyone with Parts A and B for 2027 and, alongside them, 46 special needs plans: 38 for chronic conditions such as diabetes, heart failure or lung disease, 6 for people with Medicare and Medi-Cal, and 2 for nursing-home residents. Among the open plans, 40 include drug coverage at a $0 premium, the lowest in-network cap is $295 (Imperial Dynamic Plan (HMO)), the median cap is $1,800, and no plan charges more than $49 a month. 21 plans have four stars or better in the 2027 ratings, led by Kaiser Permanente Sr Advantage Inland Empire Value (HMO) at 4.5 stars. The 2026 file listed 58 open plans; 13 IDs were not filed again and 4 were added. Humana, with 8 plans, files the most.
Chronic-condition plans: who qualifies
A chronic-condition SNP (C-SNP) accepts only members with a diagnosis the plan names, confirmed by a doctor shortly after enrollment. In exchange, the benefits are shaped around that illness: care coordinators, drug lists centered on its treatments, sometimes lower copays for the visits it requires. With 38 such plans in the county, a resident with diabetes or heart disease has more choice inside this group than many counties offer in total. A C-SNP is not a better plan by default; compare its cap and network with the open plans that serve the same doctors.
The cost of one hospital stay without a plan
Hospital stays are where chronic illness costs the most. Under Original Medicare in 2026, the Part A deductible is $1,736 per benefit period, and very long stays add a daily charge of $434. An Advantage plan replaces that with daily copays, limited by the yearly cap.
A hospital stay under Part A in 2026
Your share
$1,736
| Deductible | $1,736 |
| Daily from day 61 | $434 |
A county the size of a state
From Ontario and Rancho Cucamonga to Victorville, Barstow and Needles, San Bernardino spreads over a huge territory, and networks thin out in the High Desert and the mountain communities. Kaiser Permanente sells the same Inland Empire Value plan here and in Riverside County, which lists 47 open plans. Los Angeles County, to the west, has 70; Kern, to the north, 21. Central Health plans and Molina Medicare Choice Care are among this year's exits, listed at the bottom of the page.
2026 plans not filed again here for 2027
These plan IDs were offered in San Bernardino 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)