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Medicare plans in Santa Cruz County, AZ — 2026
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2026, Santa Cruz County, Arizona has 43 Medicare plans (16 Medicare Advantage with drug coverage, 4 without, 10 standalone Part D, 13 Special Needs) from 10 carriers. 14 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $2,499.
Market snapshot
- Residents 65 and older
- 9,427
- Residents 60–64, aging in over the next five years
- 3,139
- Medicare eligibles
- 12,340
- Medicare Advantage penetration
- 65.6%
- Plans per 1,000 residents 65+
- 4.6
Carriers by number of plans
- UnitedHealthcare — 11 plans
- Humana — 8 plans
- Wellcare — 7 plans
- Alignment Health Plan — 5 plans
- Devoted Health — 5 plans
- Banner Medicare Advantage — 2 plans
- HealthSpring — 2 plans
- Aetna Medicare — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| UHC Complete Care Support AZ-1A (PPO C-SNP) (H2001-036-0) | UnitedHealthcare | SNP | PPO C-SNP | $13.30 | $615 | $9,250 | 4.5 |
|---|
| AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) (H5253-178-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $600 | $6,700 | 4.0 |
|---|
| AARP Medicare Advantage from UHC AZ-0010 (PPO) (H2406-076-0) | UnitedHealthcare | MA-PD | PPO | $0 | $600 | $6,700 | 4.0 |
|---|
| Alignment Health Heart & Diabetes (HMO C-SNP) (H3443-003-0) | Alignment Health Plan | SNP | HMO C-SNP | $0 | $0 | $2,499 | 4.0 |
|---|
| Alignment Health smartHMO (HMO) (H3443-005-0) | Alignment Health Plan | MA-PD | HMO | $0 | $615 | $3,900 | 4.0 |
|---|
| Alignment Health the ONE + Walgreens (HMO) (H3443-002-0) | Alignment Health Plan | MA-PD | HMO | $0 | $0 | $2,499 | 4.0 |
|---|
| Alignment Health Heart & Diabetes AZPlus (HMO C-SNP) (H3443-007-0) | Alignment Health Plan | SNP | HMO C-SNP | $17 | $615 | $2,900 | 4.0 |
|---|
| Alignment Health Heart & Diabetes Plus (HMO C-SNP) (H3443-006-0) | Alignment Health Plan | SNP | HMO C-SNP | $17 | $615 | $8,850 | 4.0 |
|---|
| AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) (H5253-035-0) | UnitedHealthcare | MA-PD | HMO-POS | $44 | $440 | $5,900 | 4.0 |
|---|
| AARP Medicare Advantage from UHC AZ-0008 (PPO) (H2406-063-0) | UnitedHealthcare | MA-PD | PPO | $45 | $600 | $5,900 | 4.0 |
|---|
Showing 10 of 43 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.