Medicare Advantage plans in Monterey County, CA: what changed for 2027
For 2027, Monterey County in California has 5 Medicare Advantage plans that include drug coverage, compared with 5 in 2026, according to the CMS plan landscape files.
How many people here are in Medicare Advantage
In October 2026, 12,321 of the 76,034 people eligible for Medicare in Monterey County were enrolled in a Medicare Advantage or other Medicare health plan, 16.2%. A year earlier it was 11,323 of 74,510 (15.2%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (5)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aspire Health Protect (HMO) | Aspire Health | HMO | $0 | $7,150 | 3.5 of 5 |
| Imperial Dynamic Plan (HMO) | Imperial Health Plan of California, Inc. | HMO | $0 | $295 | 4 of 5 |
| Aspire Health Value (HMO) | Aspire Health | HMO | $65.00 | $7,000 | 3.5 of 5 |
| Aspire Health Advantage (HMO) | Aspire Health | HMO | $204.00 | $4,550 | 3.5 of 5 |
| Aspire Health Plus (HMO-POS) | Aspire Health | HMO-POS | $382.00 | $4,350 | 3.5 of 5 |
Advantage plans without drug coverage for 2027 (1)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Imperial Courage Plan (HMO) | Imperial Health Plan of California, Inc. | HMO | Not listed | $2,999 | 4 of 5 |
Special Needs Plans for 2027 (4)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Anthem Kidney Care (PPO C-SNP) | Anthem Blue Cross and Blue Shield | PPO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 3 of 5 |
| Imperial Senior Value (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP · Chronic or Disabling Condition | $0 | $295 | 4 of 5 |
| Imperial Flex (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP · Chronic or Disabling Condition | $2.70 | $9,850 | 4 of 5 |
| TotalCare (HMO D-SNP) | Central California Alliance for Health | HMO D-SNP · Dual-Eligible | $7.30 | $9,850 | Plan Too New To Be Measured |
Stand-alone Part D drug plans are offered statewide: see California drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.