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  1. 🏠
  2. Medicare Advantage Plans
  3. California
  4. Santa Clara County

2026 Medicare Advantage Plans in Santa Clara County, CA

Last update: September 1, 2026.

In Santa Clara County, CA, there are 26 Medicare Advantage plans available for 2026. Of these, 18 offer a $0 monthly premium, and about 58% 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 Santa Clara County, CA. Or explore all Medicare Options available in Santa Clara County, CA.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

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

Average Monthly Premium
$24.31/mo
Plans with $0 Premium
18
Average MOOP Limit
$3,552 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 58% · 3 Stars: 42% · Below 3: 0%
Average Part D Deductible
$184.78
Total MA/MAPD Enrollment
93,122
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) — 41,470 enrollees
2. Kaiser Permanente Sr Adv Basic Santa Clara (HMO) — 18,444 enrollees
3. SCAN Classic (HMO) — 5,402 enrollees

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 3
  • Average Monthly Premium $93.00/mo
  • Total PPO Enrollment 1,948
  • $0 Premium PPO Plans 1
  • Average MOOP $4,833
  • Top PPO by Enrollment Alignment Health Advantage PPO (PPO) — 938 enrollees
  • PPO Plans Without Drug Coverage 1

Comparison table of 2026 PPO Medicare Advantage Plans available in Santa Clara County, California
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
☆☆☆☆☆
$204 $4,900 $615 H5521-676-0
Alignment Health Advantage PPO
☆☆☆☆☆
$75 $2,850 $0 H8832-002-0
What is the total number of PPO plans offered in Santa Clara?

There are 3 PPO plans in 2026, covering 1,948 beneficiaries.

How much do PPO plans cost in Santa Clara?

The average PPO premium in Santa Clara is $93.00 per month, with 1 plans offering $0 premiums.

What is the most popular PPO plan in Santa Clara?

Alignment Health Advantage PPO (PPO) is the top PPO in Santa Clara, with 938 enrollees.

What is the number of PPO plans without Part D coverage in Santa Clara?

There are 1 PPO plans in Santa Clara 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
18
Average Monthly Premium
$12.06/mo
Total HMO Enrollment
84,697
$0 Premium HMO Plans
14
Average MOOP
$3,491
Top HMO by Enrollment
Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) — 41,470 enrollees
HMO Plans Without Drug Coverage
2

Comparison table of 2026 HMO Medicare Advantage Plans available in Santa Clara County, California
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Sr Adv Basic Santa Clara
☆☆☆☆☆
$15 $6,000 $0 H0524-062-0
Kaiser Permanente Sr Adv Enhanced Santa Clara
☆☆☆☆☆
$95 $3,900 $0 H0524-039-0
Alignment Health Harmony
☆☆☆☆☆
$0 $3,400 $0 H3815-031-0
Alignment Health Honor+ Plan
☆☆☆☆☆
$0 $9,250 $615 H3815-052-0
Alignment Health My Choice CalCare
☆☆☆☆☆
$0 $3,499 $0 H3815-050-0
Alignment Health smartHMO
☆☆☆☆☆
$0 $3,999 $615 H3815-040-0
Alignment Health Sutter Advantage +More
☆☆☆☆☆
$49 $4,900 $0 H3815-020-0
Alignment Health the ONE
☆☆☆☆☆
$0 $3,400 $0 H3815-034-0
Blue Shield Inspire
☆☆☆☆☆
$58 $5,300 $425 H0504-047-0
SCAN Classic
☆☆☆☆☆
$0 $799 $250 H5425-069-0
SCAN MyChoice
☆☆☆☆☆
$0 $1,299 $250 H5425-120-0
Astiva Health Premier Plan - NorCal
☆☆☆☆☆
$0 $1,500 $0 H1993-012-0
Astiva Health Savings Plan - NorCal
☆☆☆☆☆
$0 $3,000 $0 H1993-011-0
Imperial Courage Plan
☆☆☆☆☆
$0 $2,999 N/A H5496-016-0
Imperial Dynamic Plan
☆☆☆☆☆
$0 $296 $0 H5496-012-0
Central Health Classic Care Plan III
☆☆☆☆☆
$0 $2,999 $125 H5649-023-0
Central Health Valor Care Plan
☆☆☆☆☆
$0 $4,400 N/A H5649-030-0
Advantage Care
☆☆☆☆☆
$0 $1,900 $0 H3274-005-0

What is the average monthly premium for HMO plans?

HMO plans in Santa Clara cost $12.06 per month on average.

Which HMO plan is most popular in Santa Clara?

The most popular HMO plan in Santa Clara is Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO), with 41,470 enrollees.

How many HMO plans in Santa Clara do not include drug coverage?

There are 2 HMO plans in Santa Clara without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network rules 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
$27.20/mo
Total HMO-POS Enrollment
6,477
$0 Premium HMO-POS Plans
3
Average MOOP
$3,000
Top HMO-POS by Enrollment
Anthem Prime (HMO-POS) — 2,886 enrollees
HMO-POS Plans Without Drug Coverage
0

Comparison table of 2026 HMO-POS Medicare Advantage Plans available in Santa Clara County, California
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS 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 leading HMO-POS plan in Santa Clara?

Anthem Prime (HMO-POS) is the top HMO-POS in Santa Clara, with 2,886 enrollees.

What is the number of HMO-POS plans without Part D coverage in Santa Clara?

0 HMO-POS plans in Santa Clara do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Santa Clara County, CA for 2026.

CMS Star Ratings for Medicare Advantage Plans in Santa Clara County, CA (2026)
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

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

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

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

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.

This page follows data provenance practices aligned with the 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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