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Medicare plans in Imperial County, CA — 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, Imperial County, California has 33 Medicare plans (6 Medicare Advantage with drug coverage, 2 without, 12 standalone Part D, 13 Special Needs) from 11 carriers. 12 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $199.
Market snapshot
- Residents 65 and older
- 24,701
- Residents 60–64, aging in over the next five years
- 9,303
- Medicare eligibles
- 38,315
- Medicare Advantage penetration
- 37.0%
- Plans per 1,000 residents 65+
- 1.3
Carriers by number of plans
- Champion Heath Plan — 7 plans
- Central Health Medicare Plan — 5 plans
- Wellcare — 5 plans
- Humana — 3 plans
- Imperial Health Plan of California, Inc. — 3 plans
- Blue Shield of California — 2 plans
- HealthSpring — 2 plans
- Molina Healthcare of California — 2 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| Imperial Dynamic Plan (HMO) (H5496-012-0) | Imperial Health Plan of California, Inc. | MA-PD | HMO | $0 | $0 | $296 | 3.5 |
|---|
| Imperial Senior Value (HMO C-SNP) (H5496-005-0) | Imperial Health Plan of California, Inc. | SNP | HMO C-SNP | $0 | $0 | $296 | 3.5 |
|---|
| Wellcare Dual Liberty (HMO D-SNP) (H3561-009-0) | Wellcare | SNP | HMO D-SNP | $12 | $425 | $9,250 | 3.5 |
|---|
| Wellcare Low Premium (HMO) (H0562-012-0) | Wellcare | MA-PD | HMO | $30 | $615 | $4,150 | 3.5 |
|---|
| Wellcare Low Premium (HMO) (H0562-137-0) | Wellcare | MA-PD | HMO | $50 | $615 | $4,150 | 3.5 |
|---|
| Imperial Courage Plan (HMO) (H5496-016-0) | Imperial Health Plan of California, Inc. | MA | HMO | | | $2,999 | 3.5 |
|---|
| Central Health Classic Care Plan II (HMO) (H5649-028-0) | Central Health Medicare Plan | MA-PD | HMO | $0 | $110 | $2,499 | 3.0 |
|---|
| Central Health Dual Access Plan (HMO D-SNP) (H5649-024-0) | Central Health Medicare Plan | SNP | HMO D-SNP | $0 | $550 | $9,250 | 3.0 |
|---|
| Central Health Embrace Care Plan (HMO C-SNP) (H5649-025-2) | Central Health Medicare Plan | SNP | HMO C-SNP | $0 | $615 | $1,900 | 3.0 |
|---|
| Central Health Embrace Choice Plan (HMO C-SNP) (H5649-026-2) | Central Health Medicare Plan | SNP | HMO C-SNP | $0 | $615 | $9,250 | 3.0 |
|---|
Showing 10 of 33 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.