2027 Medicare Advantage plans in Monterey, California
| Plan | Type | Premium / mo | Out-of-pocket max | Overall stars | Part D deductible |
|---|---|---|---|---|---|
| Anthem Kidney Care (PPO C-SNP) Elevance Health, Inc. · H4909_030_0 Chronic or Disabling ConditionNo drug coverage | PPO C-SNP | $0 per month | $9,850 | Not rated | — |
| Aspire Health Protect (HMO) See this plan's current-year detail → Montage Health · H8764_004_0 No drug coverage | HMO | $0 per month | $7,150 | Not rated | — |
| Imperial Dynamic Plan (HMO) See this plan's current-year detail → Imperial Health Plan of California · H5496_012_0 No drug coverage | HMO | $0 per month | $295 | Not rated | — |
| Imperial Senior Value (HMO C-SNP) See this plan's current-year detail → Imperial Health Plan of California · H5496_005_0 Chronic or Disabling ConditionNo drug coverage | HMO C-SNP | $0 per month | $295 | Not rated | — |
| Imperial Flex (HMO C-SNP) Imperial Health Plan of California · H5496_017_0 Chronic or Disabling ConditionNo drug coverage | HMO C-SNP | $2.70 per month | $9,850 | Not rated | — |
| TotalCare (HMO D-SNP) See this plan's current-year detail → SANTA CRUZ MONTEREY MERCED SAN BENITO MARIPOSA MAN · H5692_001_0 D-SNPNo drug coverage | HMO D-SNP | $7.30 per month | $9,850 | Not rated | — |
| Aspire Health Value (HMO) See this plan's current-year detail → Montage Health · H8764_003_0 No drug coverage | HMO | $65 per month | $7,000 | Not rated | — |
| Aspire Health Advantage (HMO) See this plan's current-year detail → Montage Health · H8764_001_0 No drug coverage | HMO | $204 per month | $4,550 | Not rated | — |
| Aspire Health Plus (HMO-POS) See this plan's current-year detail → Montage Health · H8764_002_0 No drug coverage | HMO-POS | $382 per month | $4,350 | Not rated | — |
| Imperial Courage Plan (HMO) See this plan's current-year detail → Imperial Health Plan of California · H5496_016_0 No drug coverage | HMO | — per month | $2,999 | Not rated | — |
What the star rating means, and what's not shown yet
What the star rating means. CMS rates every Medicare Advantage contract (the "H" number in the plan ID — all plans under it share the rating) on a 1-to-5 scale each October, from about 40 measures of care quality, member experience, complaints and appeals, customer service and, for plans with drug coverage, drug safety and pricing. The 2027 rating is largely based on performance measured in 2025.
5 Excellent4 Above average3 Average2 Below average1 Poor
Not rated means CMS published no overall rating — usually a contract too new to be measured or with too few members ("not enough data"); it is not a low score. A 5-star contract can be joined outside the normal enrollment windows (the 5-star Special Enrollment Period, Dec 8 – Nov 30). Medicare.gov flags contracts rated below 3 stars for three years running as low-performing. Stars describe the contract's past performance as CMS measured it; they are not a recommendation, and they do not tell you whether a plan's network, drugs or costs fit you.
Premiums and the out-of-pocket maximum are Part A/Part B plan costs as filed; the Part D deductible is the plan's drug deductible. Copays for doctor visits, dental, vision, hearing, over-the-counter and other extra benefits, and each plan's drug list, are not in the 2027 plan list yet — CMS publishes them in late October and this page will show them then.
Need every 2027 plan as data?The full 2027 plan-design and enrollment files power the Pro export.
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