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2026 Medicare Advantage Plans in San Luis Obispo County, CA

Last update: .

For 2026, San Luis Obispo County, CA includes 10 Medicare Advantage plans. Enrollment across these plans totals approximately 12,080, with 9 $0 premium options and 60% rated 4 stars or higher.

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

At a Glance

  • Average Monthly Premium: $6.50/mo
  • $0 Premium Plans: 9
  • Average MOOP: $3,796 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 60% · 3 Stars: 40% · Below 3: 0%
  • Average Part D Deductible: $360.63
  • Total MA/MAPD Enrollment: 12,080
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. Alignment Health My Choice (HMO) — 5,203 enrollees
    2. Humana Gold Plus H5619-119 (HMO) — 2,273 enrollees
    3. Aetna Medicare Signature (PPO) — 1,954 enrollees

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
2
Average Monthly Premium
$0.00/mo
Total PPO Enrollment
2,098
$0 Premium PPO Plans
2
Average MOOP
$6,750
Top PPO by Enrollment
Aetna Medicare Signature (PPO) — 1,954 enrollees
PPO Plans Without Drug Coverage
1

2026 PPO Medicare Advantage plans in San Luis Obispo County, California (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. 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 typical premium for PPO plans available in San Luis Obispo?

PPO plans in San Luis Obispo cost $0.00 per month on average.

Which PPO plan do most beneficiaries choose in San Luis Obispo?

The most popular PPO plan in San Luis Obispo is Aetna Medicare Signature (PPO), with 1,954 enrollees.

How many PPO options are offered without drug coverage in San Luis Obispo?

1 PPO plans in San Luis Obispo 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 8
  • Average Monthly Premium $8.13/mo
  • Total HMO Enrollment 9,982
  • $0 Premium HMO Plans 7
  • Average MOOP $3,058
  • Top HMO by Enrollment Alignment Health My Choice (HMO) — 5,203 enrollees
  • HMO Plans Without Drug Coverage 1

2026 HMO Medicare Advantage plans in San Luis Obispo County, California (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. 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 total number of HMO plans offered in San Luis Obispo?

In 2026, San Luis Obispo County has 8 HMO plans with 9,982 enrollees.

How much do HMO plans cost in San Luis Obispo?

The typical HMO premium in San Luis Obispo is $8.13, and 7 plans have no monthly premium.

CMS quality ratings for Medicare Advantage plans in San Luis Obispo County, CA (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in San Luis Obispo County, CA (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

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

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 .

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