Medicare Advantage plans in Santa Clara County, California (2027)
Silicon Valley has a short Medicare Advantage menu: 19 open plans, a single PPO, and no plan from the two largest national insurers.
Santa Clara, California: plans open to everyone on Parts A and B
19 plans
8 with a $0 premium and drug coverage · out-of-pocket limits $295 to $9,850 · best rating 4.5★ · 11 plan IDs of 2026 not renewed here
19 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★ |
| SCAN Classic (HMO)SCAN Health Plan · HMO · H5425-069-0 | $0 | $450 | $999 | 4.0★ |
| SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO · H5425-137-0 | $0 | $450 | $999 | 4.0★ |
| Astiva Health Premier Plan - NorCal (HMO)Astiva Health · HMO · H1993-012-0 | $0 | $0 | $2,000 | 4.0★ |
| Astiva Health Savings Plan - NorCal (HMO)Astiva Health · HMO · H1993-011-0 | $0 | $0 | $2,500 | 4.0★ |
| Imperial Courage Plan (HMO)Imperial Health Plan of California, Inc. · HMO · H5496-016-0 | $0 | no drugs | $2,999 | 3.5★ |
| Central Health Harmony 031 (HMO)Alignment Health Plan · HMO · H3815-031-0 | $0 | $0 | $3,400 | 3.5★ |
| Alignment Health My Choice 050 (HMO)Alignment Health Plan · HMO · H3815-050-0 | $0 | $0 | $3,499 | 3.5★ |
| Alignment Health Smart 040 (HMO)Alignment Health Plan · HMO · H3815-040-0 | $0 | $700 | $3,999 | 3.5★ |
| Aetna Medicare Eagle (HMO)Aetna Medicare · HMO · H0523-099-0 | $0 | no drugs | $4,450 | 3.0★ |
| Alignment Health Honor Plus 060 (HMO)Alignment Health Plan · HMO · H3815-060-0 | $7.30 | $700 | $9,850 | 3.5★ |
| Kaiser Permanente Sr Adv Basic Santa Clara (HMO)Kaiser Permanente · HMO · H0524-062-0 · was $15 in 2026 | $27 | $0 | $6,000 | 4.5★ |
| Sutter Senior Advantage, a SCAN Medicare Plan (HMO)SCAN Health Plan · HMO · H5425-148-0 | $49 | $0 | $4,900 | 4.0★ |
| Alignment Health Sutter Advantage +More (HMO)Alignment Health Plan · HMO · H3815-020-0 · was $49 in 2026 | $51 | $0 | $4,900 | 3.5★ |
| Blue Shield Inspire (HMO)Blue Shield of California · HMO · H0504-047-0 · was $58 in 2026 | $61 | $475 | $5,100 | 4.0★ |
| Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO)Kaiser Permanente · HMO · H0524-039-0 · was $95 in 2026 | $101 | $0 | $3,900 | 4.5★ |
| Alignment Health Advantage 002 (PPO)Alignment Health Plan · PPO · H8832-002-0 · was $75 in 2026 | $101.50 | $0 | $2,850 | 4.0★ |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · H0523-083-0 · was $65 in 2026 | $102 | $700 | $3,900 | 3.0★ |
| Aetna Medicare Signature Extra (HMO)Aetna Medicare · HMO · H4982-030-0 · was $71 in 2026 | $104 | $700 | $3,900 | 2.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · all California counties and drug plans
Santa Clara County is one of the thinnest large-county markets in California for 2027: 19 Medicare Advantage plans are open to anyone with Parts A and B, against 26 in 2026, and only 8 of the drug-covering plans charge no premium, down from 15. 11 plan IDs from 2026 were not filed again, among them the Anthem Medicare Advantage and Anthem Prime plans, an AARP plan from UnitedHealthcare and two Aetna PPOs; 4 are new. Neither UnitedHealthcare nor Humana offers an open plan in the county this year. What remains is mostly HMOs (18) from 7 insurers, with a single PPO. The lowest in-network cap is $295, through Imperial Dynamic Plan (HMO), while the median is $3,900 and the most expensive plan costs $104 a month. 10 plans hold four stars or more; Kaiser Permanente Sr Adv Basic Santa Clara (HMO) reaches 4.5.
A market without the national giants
Most large counties have a long list of UnitedHealthcare and Humana plans. Santa Clara has none for 2027. Alignment Healthcare USA, LLC files 6, CVS Health Corporation files 3, SCAN Group files 3, Imperial Health Plan of California files 2, Astiva Health Holdings Incorporated files 2, Kaiser Foundation Health Plan, Inc. files 2. Kaiser Permanente's Basic Santa Clara plan carries the top rating, with a cap of $6,000. Astiva Health sells two NorCal plans, and Imperial Health Plan has the cheapest cap. For a retiree whose doctors belong to Stanford, Sutter or the county's own hospitals, the question is not which plan is cheapest but which one contracts with that group in 2027.
Neighbors on the Peninsula and across the Bay
San Mateo County lists 18 open plans, Alameda 16 and Santa Cruz 5. Los Angeles, by comparison, has 70. None of the three neighbors offers a longer menu than Santa Clara's, so crossing a county line in the Bay Area rarely adds options.
Original Medicare as the other route
With so few $0 plans and a single PPO, many Santa Clara residents compare Advantage with Original Medicare plus a Medigap policy and a drug plan. Under Original Medicare, Part B costs $202.90 a month in 2026, then the $283 deductible and 20 % of approved care with no yearly limit, which is what a Medigap policy is bought to cover.
Part B over a year, without a supplement
2026 total
$3,161
| Premiums | $2,435 |
| Deductible and 20% | $726 |
The exits at the bottom of this page show where 2026 members came from. Anyone in a closed plan has until December 7 to choose, and a special enrollment period afterward if they miss it.
2026 plans not filed again here for 2027
These plan IDs were offered in Santa Clara 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-10 (HMO-POS) (UnitedHealthcare, H0543-193-0)
- Anthem Medicare Advantage (HMO-POS) (Anthem Blue Cross, H0544-108-0)
- Advantage Care (HMO) (Align Senior Care, H3274-005-0, insurer still present)
- Alignment Health the ONE (HMO) (Alignment Health Plan, H3815-034-0, insurer still present)
- Alignment Health Honor+ Plan (HMO) (Alignment Health Plan, H3815-052-0, insurer still present)
- Anthem Prime (HMO-POS) (Anthem Blue Cross Partnership Plan, H4161-010-0)
- SCAN MyChoice (HMO) (SCAN Health Plan, H5425-120-0, insurer still present)
- Aetna Medicare Eagle (PPO) (Aetna Medicare, H5521-369-0)
- Aetna Medicare Enhanced (PPO) (Aetna Medicare, H5521-676-0)
- Central Health Classic Care Plan III (HMO) (Central Health Medicare Plan, H5649-023-0)
- Central Health Valor Care Plan (HMO) (Central Health Medicare Plan, H5649-030-0)