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  1. 🏠
  2. Medicare Advantage Plans
  3. California
  4. Kern County

2026 Medicare Advantage Plans in Kern County, CA

Last update: September 1, 2026.

In Kern County, CA, there are 20 Medicare Advantage plans available for 2026. Of these, 18 offer a $0 monthly premium, and about 26% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Kern County, CA. Or explore all Medicare Options available in Kern County, CA.

  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$1.88/mo
Plans with $0 Premium
18
Average MOOP Limit
$2,362 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 26% · 3 Stars: 74% · Below 3: 0%
Average Part D Deductible
$292.44
Total MA/MAPD Enrollment
37,950
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Kaiser Permanente Senior Advantage Enhanced Kern (HMO) — 8,467 enrollees
2. Anthem Medicare Advantage (HMO-POS) — 7,169 enrollees
3. Kaiser Permanente Senior Advantage Basic Kern (HMO) — 4,985 enrollees

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
15
Average Monthly Premium
$1.73/mo
Total HMO Enrollment
25,884
$0 Premium HMO Plans
14
Average MOOP
$2,383
Top HMO by Enrollment
Kaiser Permanente Senior Advantage Enhanced Kern (HMO) — 8,467 enrollees
HMO Plans Without Drug Coverage
3

HMO Medicare Advantage plan comparison – Kern County, California, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Senior Advantage Basic Kern
☆☆☆☆☆
$0 $2,000 $0 H0524-036-0
Kaiser Permanente Senior Advantage Enhanced Kern
☆☆☆☆☆
$26 $1,500 $0 H0524-035-0
Blue Shield 65 Plus
☆☆☆☆☆
$0 $2,300 $425 H0504-038-0
Imperial Courage Plan
☆☆☆☆☆
$0 $2,999 N/A H5496-016-0
Imperial Dynamic Plan
☆☆☆☆☆
$0 $296 $0 H5496-012-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $2,000 $615 H0523-022-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $2,000 $615 H4982-003-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$0 $2,000 $615 H0523-091-0
Central Health Classic Care Plan I
☆☆☆☆☆
$0 $799 $99 H5649-027-0
Central Health Valor Care Plan
☆☆☆☆☆
$0 $4,400 N/A H5649-030-0
Humana Gold Plus Giveback H5619-150
☆☆☆☆☆
$0 $5,000 $0 H5619-150-0
Humana Gold Plus H5619-116
☆☆☆☆☆
$0 $2,100 $615 H5619-116-0
Humana Gold Plus H5619-148
☆☆☆☆☆
$0 $2,900 $615 H5619-148-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $5,250 N/A H5619-121-0
Champion Ally
☆☆☆☆☆
$0 $199 $0 H6170-007-0
What is the average monthly premium for HMO plans?
HMO plans in Kern cost $1.73 per month on average.
Which HMO plan is most popular in Kern?
The most popular HMO plan in Kern is Kaiser Permanente Senior Advantage Enhanced Kern (HMO), with 8,467 enrollees.
How many HMO plans in Kern do not include drug coverage?
There are 3 HMO plans in Kern without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 5
  • Average Monthly Premium $2.30/mo
  • Total HMO-POS Enrollment 12,066
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $2,300
  • Top HMO-POS by Enrollment Anthem Medicare Advantage (HMO-POS) — 7,169 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Kern County, California, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage from UHC CA-0002
☆☆☆☆☆
$0 $2,000 $355 H0543-019-0
AARP Medicare Advantage Patriot No Rx CA-MA01
☆☆☆☆☆
$0 $4,900 N/A H0543-121-0
Aetna Medicare Prime Value Plus
☆☆☆☆☆
$12 $599 $615 H4982-022-0
Anthem Medicare Advantage
☆☆☆☆☆
$0 $2,800 $0 H0544-062-0
Anthem Prime
☆☆☆☆☆
$0 $1,200 $110 H4161-005-0
What is the total number of HMO-POS plans in Kern?

There are 5 HMO-POS plans in 2026, covering 12,066 enrollees.

How much do HMO-POS plans cost in Kern?

The average HMO-POS premium in Kern is $2.30 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Kern?

Anthem Medicare Advantage (HMO-POS) is the top HMO-POS in Kern, with 7,169 enrollees.

What is the number of HMO-POS plans without Part D coverage in Kern?

1 HMO-POS plans in Kern do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Kern County, CA for 2026.

CMS Star Ratings for Medicare Advantage Plans in Kern County, CA (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 5 26%
3 Stars 14 74%
Below 3 Stars 0 0%
Not Rated 1 5%
Average Rating 3.37

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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