2026 Medicare Advantage Plans in San Francisco County, CA
Last update: . Enrollment data updated: June 13, 2026
San Francisco County, CA has 29 Medicare Advantage plans available in 2026. These include 21 plans with no monthly premium, and roughly 54% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in San Francisco County, CA. Or explore all Medicare Options available in San Francisco County, CA.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.
- Total PPO Plans 5
- Average Monthly Premium $26.00/mo
- Total PPO Enrollment 1,120
- $0 Premium PPO Plans 3
- Average MOOP $6,530
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 753 enrollees
- PPO Plans Without Drug Coverage 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $6,750 | N/A | H5521-369-0 | |
| Aetna Medicare Enhanced | $63 | $5,900 | $615 | H5521-581-0 | |
| Aetna Medicare Signature | $0 | $6,750 | $615 | H5521-425-0 | |
| Humana USAA Honor Giveback | $0 | $6,500 | N/A | H5525-079-0 | |
| HumanaChoice H5525-087 | $67 | $6,750 | $615 | H5525-087-0 |
What is the most popular PPO plan in San Francisco?
Aetna Medicare Signature (PPO) is the top PPO in San Francisco, with 753 enrollees.
What is the number of PPO plans without Part D coverage in San Francisco?
There are 2 PPO plans in San Francisco without prescription drug coverage.
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
- 19
- Average Monthly Premium
- $11.58/mo
- Total HMO Enrollment
- 28,300
- $0 Premium HMO Plans
- 14
- Average MOOP
- $3,668
- Top HMO by Enrollment
- Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) — 13,859 enrollees
- HMO Plans Without Drug Coverage
- 2
What is the typical premium for HMO plans in San Francisco?
HMO plans in San Francisco cost $11.58 per month on average.
Which HMO plan do most beneficiaries choose in San Francisco?
The most popular HMO plan in San Francisco is Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO), with 13,859 enrollees.
How many HMO options are offered without prescription drug coverage in San Francisco?
There are 2 HMO plans in San Francisco 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 $13.80/mo
- Total HMO-POS Enrollment 5,701
- $0 Premium HMO-POS Plans 4
- Average MOOP $3,910
- Top HMO-POS by Enrollment Anthem Prime (HMO-POS) — 1,847 enrollees
- HMO-POS Plans Without Drug Coverage 0
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC CA-9 | $69 | $4,900 | $440 | H0543-191-0 | |
| Alignment Health Platinum + Instacart | $0 | $998 | $0 | H3815-016-0 | |
| Aetna Medicare Signature Extra | $0 | $3,600 | $300 | H0523-070-0 | |
| Anthem Prime | $0 | $2,500 | $0 | H4161-004-0 | |
| Anthem Select | $0 | $7,550 | $160 | H0544-069-0 |
What is the total number of HMO-POS plans in San Francisco?
In 2026, San Francisco has 5 HMO-POS plans with 5,701 enrollees.
How much do HMO-POS plans cost in San Francisco?
The typical HMO-POS premium in San Francisco is $13.80, and 4 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in San Francisco County, CA for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 15 | 54% |
| 3 Stars | 13 | 46% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 1 | 3% |
| Average Rating | 3.71 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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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.