Best* Medicare Advantage Plans in San Jose (Santa Clara County) for 2027
Kaiser Permanente, SCAN Health Plan and Astiva Health have 2027 plans in Santa Clara County rated 4 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Best* Medicare Advantage plans in Santa Clara County (2027 CMS Star Ratings)
In the 2027 CMS Star Ratings, 2 Medicare Advantage plans in Santa Clara County share the highest rating among plans open to everyone with Medicare, 4.5 out of 5 stars: Kaiser Permanente Sr Adv Basic Santa Clara (HMO) (Kaiser Permanente); Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) (Kaiser Permanente). Another 8 are rated 4 stars, listed next as also highly rated. Special needs plans, which only people who qualify can join, are listed separately: 6 are rated 4 stars or higher.
Of the 36 Medicare Advantage plans offered in Santa Clara County for 2027, 0 are rated 5 stars, 3 are rated 4.5 stars and 13 are rated 4 stars in the 2027 CMS Star Ratings. 2 plans have no 2027 star score: CMS lists 2 “Not enough data available”.
Santa Clara County includes San Jose, Sunnyvale, Santa Clara and Milpitas. Plans are approved for the whole county, so the same plans are offered in each of them.
*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 Santa Clara County (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 | |||
| Kaiser Permanente Sr Adv Basic Santa Clara (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 |
| Also highly rated: rated 4 stars | |||
| Alignment Health Advantage 002 (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 - NorCal (HMO) | Astiva Health | HMO | 4 out of 5 |
| Blue Shield Inspire (HMO) | Blue Shield of California | HMO | 4 out of 5 |
| Imperial Dynamic Plan (HMO) | Imperial Health Plan of California, Inc. | HMO | 4 out of 5 |
| SCAN Classic (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| SCAN Costco Medicare Advantage (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| Sutter Senior Advantage, a SCAN Medicare Plan (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| Special needs plans rated 4 stars or higher (only for people who qualify) | |||
| Kaiser Permanente Dual Complete North P23 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Astiva Health C-SNP WOW - NorCal (HMO C-SNP) | Astiva Health | HMO C-SNP | 4 out of 5 |
| Imperial Flex (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP | 4 out of 5 |
| Imperial Senior Value (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP | 4 out of 5 |
| SCAN Balance (HMO C-SNP) | SCAN Health Plan | HMO C-SNP | 4 out of 5 |
| SCAN Strive (HMO C-SNP) | SCAN Health Plan | HMO C-SNP | 4 out of 5 |
| Other plans offered | |||
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Clarity Plus 042 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes Plus 045 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Honor Plus 060 (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Alignment Health My Choice 050 (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Alignment Health Smart 040 (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Alignment Health Sutter Advantage +More (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Central Health Harmony 031 (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Imperial Courage Plan (HMO) | Imperial Health Plan of California, Inc. | HMO | 3.5 out of 5 (health plan rating) |
| Aetna Medicare Eagle (HMO) | Aetna (CVS Health) | HMO | 3 out of 5 (health plan rating) |
| Aetna Medicare Signature (HMO) | Aetna (CVS Health) | HMO | 3 out of 5 |
| Anthem Full Dual Advantage Aligned (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 3 out of 5 |
| DualConnect (HMO D-SNP) | Santa Clara Family Health Plan | HMO D-SNP | 3 out of 5 |
| Aetna Medicare Signature Extra (HMO) | Aetna (CVS Health) | HMO | 2.5 out of 5CMS low-performing icon |
| Premier Care (HMO I-SNP) | Align Senior Care | HMO I-SNP | Not enough data available |
| Senior Care (HMO I-SNP) | Align Senior Care | HMO I-SNP | Not enough data available |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
CMS low-performing icon: the plan's contract received a summary rating of 2.5 stars or below in Part C or Part D, or both, for the last three years.
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 Santa Clara County 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.
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 Santa Clara County, 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.
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