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Medicare plans in San Bernardino 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, San Bernardino County, California has 110 Medicare plans (53 Medicare Advantage with drug coverage, 5 without, 12 standalone Part D, 40 Special Needs) from 20 carriers. 75 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $199.
Market snapshot
- Residents 65 and older
- 276,984
- Residents 60–64, aging in over the next five years
- 123,046
- Medicare eligibles
- 354,972
- Medicare Advantage penetration
- 67.2%
- Plans per 1,000 residents 65+
- 0.4
Carriers by number of plans
- Alignment Health Plan — 15 plans
- Humana — 11 plans
- SCAN Health Plan — 11 plans
- UnitedHealthcare — 9 plans
- Aetna Medicare — 7 plans
- Champion Heath Plan — 7 plans
- Wellcare — 7 plans
- Central Health Medicare Plan — 6 plans
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| Kaiser Permanente Senior Advantage Inland Empire (HMO) (H0524-015-0) | Kaiser Permanente | MA-PD | HMO | $0 | $0 | $1,300 | 4.5 |
|---|
| Kaiser Permanente Sr Advantage Inland Empire Value (HMO) (H0524-081-0) | Kaiser Permanente | MA-PD | HMO | $0 | $0 | $2,500 | 4.5 |
|---|
| AARP Medicare Advantage from UHC CA-006P (HMO-POS) (H0543-170-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $355 | $800 | 4.0 |
|---|
| AARP Medicare Advantage from UHC CA-022P (HMO-POS) (H0543-221-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $355 | $800 | 4.0 |
|---|
| AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS) (H0543-238-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $520 | $800 | 4.0 |
|---|
| 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) (H3815-054-0) | Alignment Health Plan | SNP | HMO C-SNP | $0 | $0 | $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 (HMO) (H3815-001-0) | Alignment Health Plan | MA-PD | HMO | $0 | $0 | $498 | 4.0 |
|---|
| Alignment Health My Choice CalCare (HMO) (H3815-050-0) | Alignment Health Plan | MA-PD | HMO | $0 | $0 | $3,499 | 4.0 |
|---|
Showing 10 of 110 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.