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Medicare plans in Santa Clara 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, Santa Clara County, California has 58 Medicare plans (23 Medicare Advantage with drug coverage, 3 without, 12 standalone Part D, 20 Special Needs) from 16 carriers. 27 Medicare Advantage plans have a $0 premium. The lowest in-network out-of-pocket maximum is $296.
Market snapshot
- Residents 65 and older
- 282,010
- Residents 60–64, aging in over the next five years
- 107,774
- Medicare eligibles
- 314,684
- Medicare Advantage penetration
- 50.8%
- Plans per 1,000 residents 65+
- 0.2
Carriers by number of plans
- Alignment Health Plan — 14 plans
- Aetna Medicare — 5 plans
- Central Health Medicare Plan — 5 plans
- Kaiser Permanente — 4 plans
- SCAN Health Plan — 4 plans
- Align Senior Care — 3 plans
- Astiva Health — 3 plans
- Blue Shield of California — 3 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 Sr Adv Basic Santa Clara (HMO) (H0524-062-0) | Kaiser Permanente | MA-PD | HMO | $15 | $0 | $6,000 | 4.5 |
| Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) (H0524-039-0) | Kaiser Permanente | MA-PD | HMO | $95 | $0 | $3,900 | 4.5 |
| Aetna Medicare Enhanced (PPO) (H5521-676-0) | Aetna Medicare | MA-PD | PPO | $204 | $615 | $4,900 | 4.5 |
| Aetna Medicare Eagle (PPO) (H5521-369-0) | Aetna Medicare | MA | PPO | | | $6,750 | 4.5 |
| AARP Medicare Advantage from UHC CA-10 (HMO-POS) (H0543-193-0) | UnitedHealthcare | MA-PD | HMO-POS | $0 | $440 | $3,500 | 4.0 |
| Alignment Health Harmony (HMO) (H3815-031-0) | Alignment Health Plan | MA-PD | HMO | $0 | $0 | $3,400 | 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) (H3815-048-0) | 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 |
Showing 10 of 58 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.