2026 Medicare Advantage plans in Monterey, CA
6 plans open to everyone with Medicare, 3 Special Needs Plans and 12 stand-alone drug plans. Sorted by star rating, then premium.
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Medicare Advantage plans
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Imperial Courage Plan (HMO)Imperial Health Plan of California, Inc. · H5496-016-0 · HMO | $0 | $2,999 | no drug coverage | ★★★½ 3.5 |
| Imperial Dynamic Plan (HMO)Imperial Health Plan of California, Inc. · H5496-012-0 · HMO | $0 | $296 | $0 | ★★★½ 3.5 |
| Aspire Health Protect (HMO)Aspire Health · H8764-004-0 · HMO | $0 | $6,500 | $0 | ★★★ 3.0 |
| Aspire Health Value (HMO)Aspire Health · H8764-003-0 · HMO | $60 | $6,000 | $0 | ★★★ 3.0 |
| Aspire Health Advantage (HMO)Aspire Health · H8764-001-0 · HMO | $196 | $4,300 | $0 | ★★★ 3.0 |
| Aspire Health Plus (HMO-POS)Aspire Health · H8764-002-0 · HMO-POS | $366 | $3,900 | $0 | ★★★ 3.0 |
Special Needs Plans
Only for people who have both Medicare and Medicaid, live in an institution, or have certain chronic conditions.
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| Imperial Senior Value (HMO C-SNP)Imperial Health Plan of California, Inc. · H5496-005-0 · HMO C-SNP | $0 | $296 | $0 | ★★★½ 3.5 |
| Anthem Kidney Care (PPO C-SNP)Anthem Blue Cross Life and Health Insurance Company · H8552-028-0 · PPO C-SNP | $0 | $9,250 | $0 | ★★½ 2.5 |
| TotalCare (HMO D-SNP)Central California Alliance for Health · H5692-001-0 · HMO D-SNP | $5.50 | $9,250 | $615 | Plan Too New To Be Measured |
Prescription drug plans (Part D)
| Plan | Monthly premium | Out-of-pocket max | Drug deductible | Star rating |
|---|---|---|---|---|
| HealthSpring Assurance Rx (PDP)HealthSpring · S5617-158-0 · Part D | $0 | – | $615 | ★★½ 2.5Part D rating |
| Wellcare Value Script (PDP)Wellcare · S4802-163-0 · Part D | $5.70 | – | $615 | ★★★½ 3.5Part D rating |
| Wellcare Classic (PDP)Wellcare · S4802-094-0 · Part D | $6.20 | – | $615 | ★★★½ 3.5Part D rating |
| HealthSpring Extra Rx (PDP)HealthSpring · S5617-382-0 · Part D | $70.60 | – | $615 | ★★½ 2.5Part D rating |
| SilverScript Choice (PDP)Aetna Medicare · S5601-064-0 · Part D | $103.60 | – | $615 | ★★★ 3.0Part D rating |
| Humana Value Rx Plan (PDP)Humana · S5884-211-0 · Part D | $104.60 | – | $601 | ★★★ 3.0Part D rating |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-376-0 · Part D | $109.40 | – | $615 | ★★ 2.0Part D rating |
| Humana Basic Rx Plan (PDP)Humana · S5884-114-0 · Part D | $132.20 | – | $615 | ★★★ 3.0Part D rating |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-413-0 · Part D | $165.40 | – | $130 | ★★ 2.0Part D rating |
| Humana Premier Rx Plan (PDP)Humana · S5884-178-0 · Part D | $172.90 | – | $0 | ★★★ 3.0Part D rating |
| Blue Shield Rx Plus (PDP)Blue Shield of California · S2468-003-0 · Part D | $199.70 | – | $615 | ★★★ 3.0Part D rating |
| Blue Shield Rx Enhanced (PDP)Blue Shield of California · S2468-004-0 · Part D | $227.80 | – | $0 | ★★★ 3.0Part D rating |
Questions and answers
How many Medicare Advantage plans are available in Monterey, CA for 2026?
9 Medicare Advantage and Special Needs plans are offered in Monterey, CA for 2026, plus 12 stand-alone Part D prescription drug plans available statewide.
Are there $0 premium Medicare Advantage plans in Monterey, CA?
Yes – 2 plans open to everyone with Medicare charge no monthly plan premium (you still pay the Part B premium).