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2027 Medicare Advantage Plans in Monterey County, CA

Last update: .

For 2027, Monterey County, CA includes 6 Medicare Advantage plans. Enrollment across these plans totals approximately 8,673, with 3 $0 premium options and 33% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Monterey County, CA are provided separately. Or you can discover all Medicare Options in Monterey County, CA.

At a Glance

  • Average Monthly Premium: $108.50/mo
  • $0 Premium Plans: 3
  • Average MOOP: $4,391 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 33% · 3 Stars: 67% · Below 3: 0%
  • Average Part D Deductible: $200.00
  • Total MA/MAPD Enrollment: 8,673
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. Aspire Health Value (HMO) — 4,875 enrollees
    2. Aspire Health Protect (HMO) — 1,511 enrollees
    3. Aspire Health Advantage (HMO) — 992 enrollees

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 5
  • Average Monthly Premium $53.80/mo
  • Total HMO Enrollment 8,059
  • $0 Premium HMO Plans 3
  • Average MOOP $4,399
  • Top HMO by Enrollment Aspire Health Value (HMO) — 4,875 enrollees
  • HMO Plans Without Drug Coverage 1

2027 HMO Medicare Advantage plans in Monterey County, California (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Imperial Courage Plan
☆☆☆☆☆
 $0 $2,999 N/A H5496-016-0
Imperial Dynamic Plan
☆☆☆☆☆
 $0 $295 $0 H5496-012-0
Aspire Health Advantage
☆☆☆☆☆
 $204 $4,550 $250 H8764-001-0
Aspire Health Protect
☆☆☆☆☆
 $0 $7,150 $250 H8764-004-0
Aspire Health Value
☆☆☆☆☆
 $65 $7,000 $250 H8764-003-0
What is the total number of HMO plans offered in Monterey?

In 2027, Monterey County has 5 HMO plans with 8,059 enrollees.

How much do HMO plans cost in Monterey?

The typical HMO premium in Monterey is $53.80, and 3 plans have no monthly premium.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
1
Average Monthly Premium
$382.00/mo
Total HMO-POS Enrollment
614
$0 Premium HMO-POS Plans
0
Average MOOP
$4,350
Top HMO-POS by Enrollment
Aspire Health Plus (HMO-POS) — 614 enrollees
HMO-POS Plans Without Drug Coverage
0

2027 HMO-POS Medicare Advantage plans in Monterey County, California (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aspire Health Plus
☆☆☆☆☆
 $382 $4,350 $250 H8764-002-0
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Monterey cost $382.00 per month on average.
Which HMO-POS plan is most popular in Monterey?
The most popular HMO-POS plan in Monterey is Aspire Health Plus (HMO-POS), with 614 enrollees.
How many HMO-POS plans in Monterey do not include drug coverage?
There are 0 HMO-POS plans in Monterey without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Monterey County, CA (2027) are summarized below.

Quality Ratings for Medicare Advantage Plans in Monterey County, CA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 2 33%
3 Stars 4 67%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.67

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

Primary CMS datasets used for this Medicare Advantage Plan county resource.
Data Source Publisher CMS Version
Landscape Source Files Centers for Medicare & Medicaid Services CY2027 Landscape (202609.1)
Medicare Part C & D Performance Centers for Medicare & Medicaid Services 2027 Star Ratings Data Tables
Plan Benefits Package Centers for Medicare & Medicaid Services PBP Benefits-2027
Monthly Enrollment by Contract/Plan/State/County Centers for Medicare & Medicaid Services 2026-09

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation.

Secondary Medicare references and explanatory resources.
Publisher Reference Last Accessed
Medicare.gov Understanding Medicare Advantage Plans 25 May, 2025
Medicare.gov Explore your Medicare coverage options 25 May, 2025
NCOA.org 5 Steps to Choosing the Right Medicare Plan for You 25 May, 2025

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Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .