2026 Medicare Advantage Plans in San Diego County, CA
Last update: . Enrollment data updated: May 2, 2026
For 2026, San Diego County, CA includes 60 Medicare Advantage plans. Enrollment across these plans totals approximately 218,804, with 51 $0 premium options and 46% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for San Diego County, CA are provided separately. Or you can discover all Medicare Options in San Diego County, CA.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 8
- Average Monthly Premium
- $14.50/mo
- Total PPO Enrollment
- 10,112
- $0 Premium PPO Plans
- 5
- Average MOOP
- $6,269
- Top PPO by Enrollment
- HumanaChoice H5525-077 (PPO) — 3,232 enrollees
- PPO Plans Without Drug Coverage
- 2
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $6,750 | N/A | H5521-369-0 | |
| Aetna Medicare Enhanced | $59 | $5,500 | $615 | H5521-580-0 | |
| Aetna Medicare Signature | $0 | $6,350 | $615 | H5521-422-0 | |
| Humana USAA Honor Giveback | $0 | $6,750 | N/A | H5525-078-0 | |
| Humana USAA Honor Giveback with Rx | $0 | $6,400 | $615 | H5525-057-0 | |
| HumanaChoice H5525-077 | $0 | $5,700 | $615 | H5525-077-0 | |
| Alignment Health Advantage PPO | $45 | $4,201 | $0 | H8832-001-0 | |
| Alignment Health Freedom | $12 | $8,500 | $615 | H8832-003-0 |
What is the typical premium for PPO plans available in San Diego?
PPO plans in San Diego cost $14.50 per month on average.
Which PPO plan do most beneficiaries choose in San Diego?
The most popular PPO plan in San Diego is HumanaChoice H5525-077 (PPO), with 3,232 enrollees.
How many PPO options are offered without drug coverage in San Diego?
2 PPO plans in San Diego do not include prescription drug coverage.
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 40
- Average Monthly Premium $5.43/mo
- Total HMO Enrollment 144,835
- $0 Premium HMO Plans 36
- Average MOOP $2,815
- Top HMO by Enrollment Kaiser Permanente Senior Advantage San Diego (HMO) — 67,640 enrollees
- HMO Plans Without Drug Coverage 3
What is the total number of HMO plans offered in San Diego?
In 2026, San Diego County has 40 HMO plans with 144,835 enrollees.
How much do HMO plans cost in San Diego?
The typical HMO premium in San Diego is $5.43, and 36 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
- 12
- Average Monthly Premium
- $6.83/mo
- Total HMO-POS Enrollment
- 63,857
- $0 Premium HMO-POS Plans
- 10
- Average MOOP
- $3,000
- Top HMO-POS by Enrollment
- UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS) — 20,789 enrollees
- HMO-POS Plans Without Drug Coverage
- 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC CA-0001 | $29 | $5,300 | $355 | H0543-013-0 | |
| AARP Medicare Advantage from UHC CA-0007 | $53 | $3,800 | $355 | H0543-060-0 | |
| AARP Medicare Advantage from UHC CA-0012 | $0 | $2,500 | $355 | H0543-152-0 | |
| AARP Medicare Advantage from UHC CA-026P | $0 | $2,900 | $355 | H0543-225-0 | |
| AARP Medicare Advantage Patriot No Rx CA-MA2 | $0 | $4,900 | N/A | H0543-258-0 | |
| Alignment Health Platinum + Instacart | $0 | $998 | $0 | H3815-016-0 | |
| UHC Sharp Medicare Advantage CA-001P | $0 | $3,300 | $355 | H0543-145-0 | |
| UHC Sharp Medicare Advantage ValueRx CA-12P | $0 | $2,900 | $355 | H0543-204-0 | |
| Aetna Medicare Prime | $0 | $1,500 | $300 | H0523-075-0 | |
| Anthem Medicare Advantage | $0 | $3,400 | $0 | H0544-065-0 | |
| Anthem Prime | $0 | $2,000 | $0 | H4161-003-0 | |
| Anthem Select | $0 | $2,500 | $200 | H0544-091-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in San Diego cost $6.83 per month on average.
- Which HMO-POS plan is most popular in San Diego?
- The most popular HMO-POS plan in San Diego is UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS), with 20,789 enrollees.
- How many HMO-POS plans in San Diego do not include drug coverage?
- There are 1 HMO-POS plans in San Diego without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in San Diego County, CA (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 26 | 46% |
| 3 Stars | 31 | 54% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 3 | 5% |
| Average Rating | 3.64 | |
* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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 .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 is documented in accordance 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.