Best* Medicare Advantage Plans in California for 2027
Kaiser Permanente, Clever Care Health Plan and Alignment Health Plan have 2027 plans in California rated 4.5 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Best* Medicare Advantage plans in California (2027 CMS Star Ratings)
In the 2027 CMS Star Ratings, 35 Medicare Advantage plans in California share the highest rating among plans open to everyone with Medicare, 4.5 out of 5 stars: Alignment Health Balance 006 (PPO) (Alignment Health Plan); Alignment Health My Choice 001 (PPO) (Alignment Health Plan); Clever Care Longevity (HMO) (Clever Care Health Plan); Clever Care Value (HMO) (Clever Care Health Plan); Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) (Kaiser Permanente); Kaiser Permanente Senior Advantage Basic Alameda (HMO) (Kaiser Permanente); and 29 more. Another 93 are rated 4 stars, listed next as also highly rated. Special needs plans, which only people who qualify can join, are listed separately: 50 are rated 4 stars or higher.
Of the 394 Medicare Advantage plans offered in California for 2027, 0 are rated 5 stars, 56 are rated 4.5 stars and 125 are rated 4 stars in the 2027 CMS Star Ratings, each plan counted once however many counties it serves. 35 plans have no 2027 star score: CMS lists 18 “Plan too new to be measured” and 17 “Not enough data available”.
*Best: the highest overall rating in the 2027 CMS Star Ratings among Medicare Advantage plans open to everyone with Medicare Parts A and B in California (4.5 out of 5). Medicare's rating, not our recommendation.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Highest rated: 4.5 out of 5, the top overall rating among plans open to everyone | |||
| Alignment Health Balance 006 (PPO) | Alignment Health Plan | PPO | 4.5 out of 5 |
| Alignment Health My Choice 001 (PPO) | Alignment Health Plan | PPO | 4.5 out of 5 |
| Clever Care Longevity (HMO) | Clever Care Health Plan | HMO | 4.5 out of 5 |
| Clever Care Value (HMO) | Clever Care Health Plan | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic Alameda (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic Fresno (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic Kern (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic Marin (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic San Mateo (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic SF (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic SnJoaq (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic Solano (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic Stanis (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Enhanced Fresno (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Enhanced Kern (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Enhanced SnJoaq (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Enhanced Solano (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Enhanced Stanis (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Inland Empire (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage LA, Orange Co. (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage San Diego (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage San Diego Value (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Santa Cruz (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Ventura (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Ventura Value (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Adv Basic Contra Costa (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Adv Basic Santa Clara (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Adv Enhanced Contra Costa (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Adv Enhanced Marin San Mateo (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Adv Enhanced Sac., Sonoma (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Advantage Basic Sac., Sonoma (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Advantage Inland Empire Value (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Sr Advantage LA, Orange Value (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Also highly rated: rated 4 stars (first 30 of 93) | |||
| Alignment Health Advantage 001 (PPO) | Alignment Health Plan | PPO | 4 out of 5 |
| Alignment Health Advantage 002 (PPO) | Alignment Health Plan | PPO | 4 out of 5 |
| Alignment Health Advantage 005 (PPO) | Alignment Health Plan | PPO | 4 out of 5 |
| Alignment Health Balance Plus 004 (PPO) | Alignment Health Plan | PPO | 4 out of 5 |
| Astiva Health Premier Plan - NorCal (HMO) | Astiva Health | HMO | 4 out of 5 |
| Astiva Health Savings Plan (HMO) | Astiva Health | HMO | 4 out of 5 |
| Astiva Health Savings Plan - NorCal (HMO) | Astiva Health | HMO | 4 out of 5 |
| Blue Shield 65 Plus (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield 65 Plus (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield 65 Plus (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield 65 Plus (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield 65 Plus (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield 65 Plus (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield 65 Plus Choice Plan (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield 65 Plus Plan 2 (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Advantage (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Advantage (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Advantage (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Advantage (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Inspire (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Inspire (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Inspire (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Value Advantage Plan (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Blue Shield Value Advantage Plan (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| CareMore Health Plan by SCAN (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| Humana Community (HMO) | Humana | HMO | 4 out of 5 |
| Humana Gold Plus Giveback H5619-146 (HMO) | Humana | HMO | 4 out of 5 |
| Humana Gold Plus Giveback H5619-150 (HMO) | Humana | HMO | 4 out of 5 |
| Humana Gold Plus H5619-012 (HMO) | Humana | HMO | 4 out of 5 |
| Humana Gold Plus H5619-015 (HMO) | Humana | HMO | 4 out of 5 |
| Special needs plans rated 4 stars or higher (only for people who qualify) (first 20 of 50) | |||
| Clever Care Breathe Select+ (HMO C-SNP) | Clever Care Health Plan | HMO C-SNP | 4.5 out of 5 |
| Clever Care Breathe+ (HMO C-SNP) | Clever Care Health Plan | HMO C-SNP | 4.5 out of 5 |
| Clever Care Total Choice+ (HMO C-SNP) | Clever Care Health Plan | HMO C-SNP | 4.5 out of 5 |
| Clever Care Total+ (HMO C-SNP) | Clever Care Health Plan | HMO C-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P16 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P17 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P18 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P19 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P2 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P20 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P21 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P22 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P23 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P24 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete North P25 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete South P1 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete South P10 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete South P11 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete South P6 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Dual Complete South P7 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
Plans are offered county by county, so not every plan is available everywhere in California. Pick your county below for its plans, or use the plan finder on this page.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
How the top plans are chosen
The plans listed first have the highest overall rating in the 2027 CMS Star Ratings among the Medicare Advantage plans in California open to everyone with Medicare: 4.5 out of 5 stars. Plans that share it are listed by name, not ranked, and the other plans rated 4 stars or higher follow. Special needs plans, which only people who qualify can join, are listed separately, and a plan without drug coverage has no overall rating, so it isn't counted. We only do this where the top rating is at least 4 stars.
Star Ratings are Medicare's measure of a plan's quality and members' experience, not our recommendation. A rating doesn't tell you whether a plan covers your doctors and prescriptions or what it costs, so compare plans for your ZIP code with the plan finder on this page.
Top-rated plans in your California county
| County | Plans offered | Rated 4 stars or higher | Highest rating |
|---|---|---|---|
| Alameda County | 32 | 12 | 4.5 out of 5 |
| Alpine County | 4 | 2 | 4 out of 5 |
| Amador County | 10 | 6 | 4.5 out of 5 |
| Butte County | 5 | 3 | 4 out of 5 |
| Calaveras County | 4 | 2 | 4 out of 5 |
| Contra Costa County | 10 | 7 | 4.5 out of 5 |
| Del Norte County | 4 | 3 | 4 out of 5 |
| El Dorado County | 10 | 6 | 4.5 out of 5 |
| Fresno County | 42 | 16 | 4.5 out of 5 |
| Glenn County | 4 | 3 | 4 out of 5 |
| Humboldt County | 4 | 3 | 4 out of 5 |
| Imperial County | 17 | 3 | 4 out of 5 |
| Inyo County | 6 | 3 | 4 out of 5 |
| Kern County | 42 | 12 | 4.5 out of 5 |
| Kings County | 22 | 13 | 4.5 out of 5 |
| Lassen County | 2 | 2 | 4 out of 5 |
| Los Angeles County | 124 | 49 | 4.5 out of 5 |
| Madera County | 41 | 15 | 4.5 out of 5 |
| Marin County | 23 | 9 | 4.5 out of 5 |
| Mariposa County | 10 | 8 | 4.5 out of 5 |
| Mendocino County | 4 | 3 | 4 out of 5 |
| Merced County | 18 | 4 | 4 out of 5 |
| Modoc County | 4 | 3 | 4 out of 5 |
| Mono County | 8 | 5 | 4 out of 5 |
| Monterey County | 10 | 3 | 4 out of 5 |
| Napa County | 8 | 6 | 4.5 out of 5 |
| Nevada County | 5 | 3 | 4 out of 5 |
| Orange County | 111 | 42 | 4.5 out of 5 |
| Placer County | 26 | 12 | 4.5 out of 5 |
| Plumas County | 6 | 5 | 4 out of 5 |
| Riverside County | 88 | 36 | 4.5 out of 5 |
| Sacramento County | 32 | 12 | 4.5 out of 5 |
| San Benito County | 5 | 3 | 4 out of 5 |
| San Bernardino County | 95 | 38 | 4.5 out of 5 |
| San Diego County | 85 | 36 | 4.5 out of 5 |
| San Francisco County | 46 | 15 | 4.5 out of 5 |
| San Joaquin County | 39 | 21 | 4.5 out of 5 |
| San Luis Obispo County | 17 | 6 | 4 out of 5 |
| San Mateo County | 26 | 13 | 4.5 out of 5 |
| Santa Barbara County | 8 | 5 | 4 out of 5 |
| Santa Clara County | 36 | 16 | 4.5 out of 5 |
| Santa Cruz County | 9 | 6 | 4.5 out of 5 |
| Shasta County | 5 | 3 | 4 out of 5 |
| Sierra County | 2 | 2 | 4 out of 5 |
| Siskiyou County | 4 | 3 | 4 out of 5 |
| Solano County | 10 | 6 | 4.5 out of 5 |
| Sonoma County | 13 | 10 | 4.5 out of 5 |
| Stanislaus County | 36 | 20 | 4.5 out of 5 |
| Sutter County | 7 | 5 | 4.5 out of 5 |
| Tehama County | 5 | 3 | 4 out of 5 |
| Tulare County | 21 | 12 | 4.5 out of 5 |
| Tuolumne County | 6 | 3 | 4 out of 5 |
| Ventura County | 33 | 16 | 4.5 out of 5 |
| Yolo County | 26 | 11 | 4.5 out of 5 |
| Yuba County | 8 | 6 | 4.5 out of 5 |
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In California, no plan has a 5-star overall rating for 2027, so this window does not apply here; the Annual Enrollment Period (Open Enrollment), October 15 through December 7, does.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
More on Medicare Advantage in California
Watch
The Medicare Advantage changes for 2027 in California, in 30 seconds
Transcript. Good evening. Across the country Medicare Advantage Plans are changing or all together leaving some states in 2027. That's right, California has been hit hard with 74 plans leaving and 158 changing. But there is some good news as 66 new plans are entering the market with a fresh set of benefits to choose from. The bottom line: take a few minutes to compare Medicare Advantage plans in your area and see if your plan is affected.
Live session
Medicare Annual/Open Enrollment, live: questions on the 2027 changes in California
Medicare Annual/Open Enrollment 2027 live, day 8, morning: Medicare Advantage changes by state. Live Oct. 22, 2026, 6:41 p.m. ET; the recording plays here afterward. Program-level information only; no plan is recommended.
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