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Medicare plans in Monterey 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, Monterey County, California has 21 Medicare plans (5 Medicare Advantage with drug coverage, 1 without, 12 standalone Part D, 3 Special Needs) from 10 carriers. 4 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $296.
Market snapshot
- Residents 65 and older
- 65,068
- Residents 60–64, aging in over the next five years
- 22,924
- Medicare eligibles
- 75,902
- Medicare Advantage penetration
- 16.1%
- Plans per 1,000 residents 65+
- 0.3
Carriers by number of plans
- Aspire Health — 4 plans
- Humana — 3 plans
- Imperial Health Plan of California, Inc. — 3 plans
- Blue Shield of California — 2 plans
- HealthSpring — 2 plans
- UnitedHealthcare — 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 |
|---|
| 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 |
|---|
| Imperial Courage Plan (HMO) (H5496-016-0) | Imperial Health Plan of California, Inc. | MA | HMO | | | $2,999 | 3.5 |
|---|
| Aspire Health Protect (HMO) (H8764-004-0) | Aspire Health | MA-PD | HMO | $0 | $0 | $6,500 | 3.0 |
|---|
| Aspire Health Value (HMO) (H8764-003-0) | Aspire Health | MA-PD | HMO | $60 | $0 | $6,000 | 3.0 |
|---|
| Aspire Health Advantage (HMO) (H8764-001-0) | Aspire Health | MA-PD | HMO | $196 | $0 | $4,300 | 3.0 |
|---|
| Aspire Health Plus (HMO-POS) (H8764-002-0) | Aspire Health | MA-PD | HMO-POS | $366 | $0 | $3,900 | 3.0 |
|---|
| Anthem Kidney Care (PPO C-SNP) (H8552-028-0) | Anthem Blue Cross Life and Health Insurance Company | SNP | PPO C-SNP | $0 | $0 | $9,250 | 2.5 |
|---|
| HealthSpring Assurance Rx (PDP) (S5617-158-0) | HealthSpring | PDP | PDP | $0 | $615 | | Not rated |
|---|
| TotalCare (HMO D-SNP) (H5692-001-0) | Central California Alliance for Health | SNP | HMO D-SNP | $5.50 | $615 | $9,250 | Plan Too New To Be Measured |
|---|
Showing 10 of 21 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.