2026 Medicare Advantage Plans in San Luis Obispo County, CA
Last update: . Enrollment data updated: June 13, 2026
In San Luis Obispo County, CA, there are 10 Medicare Advantage plans available for 2026. Of these, 9 offer a $0 monthly premium, and about 60% 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 San Luis Obispo County, CA. Or explore all Medicare Options available in San Luis Obispo 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 2
- Average Monthly Premium $0.00/mo
- Total PPO Enrollment 2,046
- $0 Premium PPO Plans 2
- Average MOOP $6,750
- Top PPO by Enrollment Aetna Medicare Signature (PPO) — 1,906 enrollees
- PPO Plans Without Drug Coverage 1
| 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 Signature | $0 | $6,750 | $615 | H5521-425-0 |
What is the total number of PPO plans offered in San Luis Obispo?
There are 2 PPO plans in 2026, covering 2,046 beneficiaries.
How much do PPO plans cost in San Luis Obispo?
The average PPO premium in San Luis Obispo is $0.00 per month, with 2 plans offering $0 premiums.
What is the most popular PPO plan in San Luis Obispo?
Aetna Medicare Signature (PPO) is the top PPO in San Luis Obispo, with 1,906 enrollees.
What is the number of PPO plans without Part D coverage in San Luis Obispo?
There are 1 PPO plans in San Luis Obispo 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
- 8
- Average Monthly Premium
- $8.13/mo
- Total HMO Enrollment
- 10,007
- $0 Premium HMO Plans
- 7
- Average MOOP
- $3,058
- Top HMO by Enrollment
- Alignment Health My Choice (HMO) — 5,223 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| Alignment Health Honor+ Plan | $0 | $9,250 | $615 | H3815-052-0 | |
| Alignment Health My Choice | $0 | $698 | $0 | H3815-028-0 | |
| Alignment Health My Choice CalCare | $0 | $3,499 | $0 | H3815-050-0 | |
| Blue Shield 65 Plus | $65 | $4,100 | $425 | H0504-039-0 | |
| Imperial Courage Plan | $0 | $2,999 | N/A | H5496-016-0 | |
| Imperial Dynamic Plan | $0 | $296 | $0 | H5496-012-0 | |
| Humana Gold Plus H5619-119 | $0 | $720 | $615 | H5619-119-0 | |
| Humana Gold Plus H5619-148 | $0 | $2,900 | $615 | H5619-148-0 |
What is the average monthly premium for HMO plans?
HMO plans in San Luis Obispo cost $8.13 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 (HMO), with 5,223 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 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 6 | 60% |
| 3 Stars | 4 | 40% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.8 | |
* 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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — 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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