2026 Medicare Advantage Plans in Santa Clara County, CA
Last update: . Enrollment data updated: May 2, 2026
For 2026, Santa Clara County, CA includes 26 Medicare Advantage plans. Enrollment across these plans totals approximately 92,166, with 18 $0 premium options and 58% rated 4 stars or higher.
Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Santa Clara County, CA are provided separately. Or you can discover all Medicare Options in Santa Clara 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
- 3
- Average Monthly Premium
- $93.00/mo
- Total PPO Enrollment
- 1,935
- $0 Premium PPO Plans
- 1
- Average MOOP
- $4,833
- Top PPO by Enrollment
- Alignment Health Advantage PPO (PPO) — 955 enrollees
- PPO Plans Without Drug Coverage
- 1
| PPO Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $6,750 | N/A | H5521-369-0 | |
| Aetna Medicare Enhanced | $204 | $4,900 | $615 | H5521-676-0 | |
| Alignment Health Advantage PPO | $75 | $2,850 | $0 | H8832-002-0 |
What is the typical premium for PPO plans available in Santa Clara?
PPO plans in Santa Clara cost $93.00 per month on average.
Which PPO plan do most beneficiaries choose in Santa Clara?
The most popular PPO plan in Santa Clara is Alignment Health Advantage PPO (PPO), with 955 enrollees.
How many PPO options are offered without drug coverage in Santa Clara?
1 PPO plans in Santa Clara 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 18
- Average Monthly Premium $12.06/mo
- Total HMO Enrollment 83,551
- $0 Premium HMO Plans 14
- Average MOOP $3,491
- Top HMO by Enrollment Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) — 41,725 enrollees
- HMO Plans Without Drug Coverage 2
What is the total number of HMO plans offered in Santa Clara?
In 2026, Santa Clara County has 18 HMO plans with 83,551 enrollees.
How much do HMO plans cost in Santa Clara?
The typical HMO premium in Santa Clara is $12.06, and 14 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
- 5
- Average Monthly Premium
- $27.20/mo
- Total HMO-POS Enrollment
- 6,680
- $0 Premium HMO-POS Plans
- 3
- Average MOOP
- $3,000
- Top HMO-POS by Enrollment
- Anthem Prime (HMO-POS) — 2,973 enrollees
- HMO-POS Plans Without Drug Coverage
- 0
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC CA-10 | $0 | $3,500 | $440 | H0543-193-0 | |
| Aetna Medicare Enhanced | $65 | $3,900 | $300 | H0523-083-0 | |
| Aetna Medicare Enhanced Extra | $71 | $3,900 | $615 | H4982-030-0 | |
| Anthem Medicare Advantage | $0 | $2,899 | $0 | H0544-108-0 | |
| Anthem Prime | $0 | $800 | $0 | H4161-010-0 |
- What is the average monthly premium for HMO-POS plans?
- HMO-POS plans in Santa Clara cost $27.20 per month on average.
- Which HMO-POS plan is most popular in Santa Clara?
- The most popular HMO-POS plan in Santa Clara is Anthem Prime (HMO-POS), with 2,973 enrollees.
- How many HMO-POS plans in Santa Clara do not include drug coverage?
- There are 0 HMO-POS plans in Santa Clara without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Santa Clara 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) | 14 | 58% |
| 3 Stars | 10 | 42% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 2 | 8% |
| Average Rating | 3.75 | |
* 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
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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.