Merced County, California — 2026 Medicare Advantage plans
17 individual Medicare Advantage plan segments from 6 parent organizations are filed for Merced County for 2026, per CMS public files. This page reports what was filed; it does not rank or recommend plans.
| Plan | Type | Premium | In-network MOOP | Part D deductible | Star rating | OTC allowance | Supplemental benefits reported |
|---|---|---|---|---|---|---|---|
| Alignment Health Heart & Diabetes (HMO C-SNP) Alignment Healthcare USA, LLC · H3815-010-000 · SoB ✓ | HMO C-SNP | $0 | $1,499 | $0 | 4.0out of 5 stars, Above average | $25 | Vision exam Eyewear Transportation OTC allowance Meals |
| Alignment Health Heart & Diabetes Care (HMO C-SNP) Alignment Healthcare USA, LLC · H3815-048-000 · SoB ✓ | HMO C-SNP | $0 | $1,990 | $0 | 4.0out of 5 stars, Above average | $25 | Vision exam Eyewear Transportation OTC allowance Meals |
| Alignment Health Honor+ Plan (HMO) Alignment Healthcare USA, LLC · H3815-052-000 · SoB ✓ | HMO | $0 | $9,250 | $615 | 4.0out of 5 stars, Above average | $100 | Comprehensive dental Vision exam Eyewear Transportation OTC allowance Meals |
| Alignment Health My Choice CalCare (HMO) Alignment Healthcare USA, LLC · H3815-050-000 · SoB ✓ | HMO | $0 | $3,499 | $0 | 4.0out of 5 stars, Above average | $100 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Alignment Health smartHMO (HMO) Alignment Healthcare USA, LLC · H3815-040-000 · SoB ✓ | HMO | $0 | $3,999 | $615 | 4.0out of 5 stars, Above average | — | Vision exam Eyewear |
| Alignment Health the ONE + Walgreens (HMO) Alignment Healthcare USA, LLC · H3815-035-000 · SoB ✓ | HMO | $0 | $999 | $0 | 4.0out of 5 stars, Above average | $25 | Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Anthem Kidney Care (PPO C-SNP) Elevance Health, Inc. · H8552-028-000 · SoB ✓ | PPO C-SNP | $0 | $9,250 | $0 | 2.5out of 5 stars, Below average | $60 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California · H5496-012-000 · SoB | HMO | $0 | $296 | $0 | 3.5out of 5 stars, Average | $140 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Imperial Senior Value (HMO C-SNP) Imperial Health Plan of California · H5496-005-000 · SoB | HMO C-SNP | $0 | $296 | $0 | 3.5out of 5 stars, Average | $130 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Alignment Health Heart & Diabetes Choice (HMO C-SNP) Alignment Healthcare USA, LLC · H3815-051-000 · SoB ✓ | HMO C-SNP | $0.70 | $9,250 | $615 | 4.0out of 5 stars, Above average | $100 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| TotalCare (HMO D-SNP) SANTA CRUZ MONTEREY MERCED SAN BENITO MARIPOSA MAN · H5692-001-000 · SoB ✓ | HMO D-SNP | $5.50 | $9,250 | $615 | Not rated | $100 | Vision exam Eyewear OTC allowance |
| Alignment Health BreathEasy (HMO C-SNP) Alignment Healthcare USA, LLC · H3815-041-000 · SoB ✓ | HMO C-SNP | $12 | $9,250 | $615 | 4.0out of 5 stars, Above average | $124 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Alignment Health Clarity (HMO C-SNP) Alignment Healthcare USA, LLC · H3815-042-000 · SoB ✓ | HMO C-SNP | $12 | $9,250 | $615 | 4.0out of 5 stars, Above average | $124 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Alignment Health Heart & Diabetes CalPlus (HMO C-SNP) Alignment Healthcare USA, LLC · H3815-039-000 · SoB ✓ | HMO C-SNP | $12 | $9,250 | $615 | 4.0out of 5 stars, Above average | $129 | Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
| Blue Shield Inspire (HMO) California Physicians' Service · H0504-047-000 · SoB | HMO | $58 | $5,300 | $425 | 4.0out of 5 stars, Above average | $35 | Vision exam Eyewear OTC allowance |
| AARP Medicare Advantage from UHC CA-0010 (HMO-POS) UnitedHealth Group, Inc. · H0543-140-000 · SoB ✓ | HMO-POS | $89 | $6,700 | $600 | 4.0out of 5 stars, Above average | Reported | Vision exam Hearing aids OTC allowance |
| Imperial Courage Plan (HMO) Imperial Health Plan of California · H5496-016-000 · SoB | HMO | — | $2,999 | — | 3.5out of 5 stars, Average | $75 | Preventive dental Comprehensive dental Vision exam Eyewear Hearing aids Transportation OTC allowance Meals |
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 2026 rating is largely based on performance measured in 2024.
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.
How to read this table
Yes — the plan's approved bid reports the benefit. No — the bid reports it is not offered. — — CMS did not publish a value for this field; that is not the same as No. Reported under an allowance column means the benefit is offered but CMS published no dollar amount. Premium is the CMS consolidated monthly premium (Part C + Part D). MOOP is the in-network maximum out-of-pocket. Star rating is the contract's overall rating in the CMS file used for this build. SNP plans (D-SNP, C-SNP, I-SNP) are limited to people who meet the plan's eligibility rules. A plan's own Summary of Benefits and Evidence of Coverage govern the details.
Click a column header to sort. On small screens the Part D deductible and OTC columns are hidden; open a plan for the full record.
Is a drug covered by plans in Merced County?
Download all 17 Merced County plans as CSVEvery column on this page plus the 14 benefit flags and published allowances — part of Pro, $99/month or $990/year.
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