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Medicare plans in Merced 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, Merced County, California has 29 Medicare plans (7 Medicare Advantage with drug coverage, 1 without, 12 standalone Part D, 9 Special Needs) from 10 carriers. 9 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $296.
Market snapshot
- Residents 65 and older
- 34,001
- Residents 60–64, aging in over the next five years
- 13,388
- Medicare eligibles
- 42,886
- Medicare Advantage penetration
- 28.2%
- Plans per 1,000 residents 65+
- 0.9
Carriers by number of plans
- Alignment Health Plan — 10 plans
- Blue Shield of California — 3 plans
- Humana — 3 plans
- Imperial Health Plan of California, Inc. — 3 plans
- UnitedHealthcare — 3 plans
- HealthSpring — 2 plans
- Wellcare — 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 |
|---|
| Alignment Health Heart & Diabetes (HMO C-SNP) (H3815-010-0) | Alignment Health Plan | SNP | HMO C-SNP | $0 | $0 | $1,499 | 4.0 |
|---|
| Alignment Health Heart & Diabetes Care (HMO C-SNP) (H3815-048-0) | Alignment Health Plan | SNP | HMO C-SNP | $0 | $0 | $1,990 | 4.0 |
|---|
| Alignment Health Honor+ Plan (HMO) (H3815-052-0) | Alignment Health Plan | MA-PD | HMO | $0 | $615 | $9,250 | 4.0 |
|---|
| Alignment Health My Choice CalCare (HMO) (H3815-050-0) | Alignment Health Plan | MA-PD | HMO | $0 | $0 | $3,499 | 4.0 |
|---|
| Alignment Health smartHMO (HMO) (H3815-040-0) | Alignment Health Plan | MA-PD | HMO | $0 | $615 | $3,999 | 4.0 |
|---|
| Alignment Health the ONE + Walgreens (HMO) (H3815-035-0) | Alignment Health Plan | MA-PD | HMO | $0 | $0 | $999 | 4.0 |
|---|
| Alignment Health Heart & Diabetes Choice (HMO C-SNP) (H3815-051-0) | Alignment Health Plan | SNP | HMO C-SNP | $0.70 | $615 | $9,250 | 4.0 |
|---|
| Alignment Health BreathEasy (HMO C-SNP) (H3815-041-0) | Alignment Health Plan | SNP | HMO C-SNP | $12 | $615 | $9,250 | 4.0 |
|---|
| Alignment Health Clarity (HMO C-SNP) (H3815-042-0) | Alignment Health Plan | SNP | HMO C-SNP | $12 | $615 | $9,250 | 4.0 |
|---|
| Alignment Health Heart & Diabetes CalPlus (HMO C-SNP) (H3815-039-0) | Alignment Health Plan | SNP | HMO C-SNP | $12 | $615 | $9,250 | 4.0 |
|---|
Showing 10 of 29 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.