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  1. 🏠
  2. Medicare Advantage Plans
  3. California
  4. San Luis Obispo County

2027 Medicare Advantage Plans in San Luis Obispo County, CA

Last update: October 4, 2026.

In San Luis Obispo County, CA, there are 8 Medicare Advantage plans available for 2027. Of these, 6 offer a $0 monthly premium, and about 63% are rated 4 stars or higher based on CMS quality ratings.

  • HMO Plans

At a Glance

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

Average Monthly Premium
$9.66/mo
Plans with $0 Premium
6
Average MOOP Limit
$3,174 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 63% · 3 Stars: 38% · Below 3: 0%
Average Part D Deductible
$296.43
Total MA/MAPD Enrollment
9,509
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Alignment Health My Choice 028 (HMO) — 5,200 enrollees
2. Humana Gold Plus H5619-119 (HMO) — 2,258 enrollees
3. Blue Shield 65 Plus (HMO) — 1,501 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in San Luis Obispo County, CA. Or explore all Medicare Options available in San Luis Obispo County, CA. To understand how local plans fit into the broader market, visit our California Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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
8
Average Monthly Premium
$9.66/mo
Total HMO Enrollment
9,509
$0 Premium HMO Plans
6
Average MOOP
$3,174
Top HMO by Enrollment
Alignment Health My Choice 028 (HMO) — 5,200 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – San Luis Obispo County, California, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Blue Shield 65 Plus
☆☆☆☆☆
$70 $3,950 $475 H0504-039-0
Humana Gold Plus H5619-119
☆☆☆☆☆
$0 $800 $700 H5619-119-0
Humana Gold Plus H5619-191
☆☆☆☆☆
$0 $3,200 $200 H5619-191-1
Imperial Courage Plan
☆☆☆☆☆
$0 $2,999 N/A H5496-016-0
Imperial Dynamic Plan
☆☆☆☆☆
$0 $295 $0 H5496-012-0
Alignment Health Honor Plus 060
☆☆☆☆☆
$7 $9,850 $700 H3815-060-0
Alignment Health My Choice 028
☆☆☆☆☆
$0 $800 $0 H3815-028-0
Alignment Health My Choice 050
☆☆☆☆☆
$0 $3,499 $0 H3815-050-0
What is the average monthly premium for HMO plans?
HMO plans in San Luis Obispo cost $9.66 per month on average.
Which HMO plan is most popular in San Luis Obispo?
The most popular HMO plan in San Luis Obispo is Alignment Health My Choice 028 (HMO), with 5,200 enrollees.
How many HMO plans in San Luis Obispo do not include drug coverage?
There are 1 HMO plans in San Luis Obispo without prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in San Luis Obispo County, CA for 2027.

CMS Star Ratings for Medicare Advantage Plans in San Luis Obispo County, CA (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 5 63%
3 Stars 3 38%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.81

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in San Luis Obispo County, California, including communities such as San Luis Obispo, Los Osos, Arroyo Grande, Atascadero, Cambria, Cayucos, Grover Beach, Morro Bay, Nipomo, Oceano, Paso Robles, Pismo Beach, San Miguel, Santa Margarita, Shandon, Templeton, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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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