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Medicare Advantage in San Diego County, CA

As of April 2026, 334,225 of the county's 621,731 Medicare-eligible people are enrolled in a Medicare Advantage plan, a penetration of 53.8% (up 8,574 enrollees, +2.6%, versus April 2025). The three largest parent organizations hold 62.6% of the county's MA enrollment. For plan year 2026, the CMS Landscape lists 93 MA and Special Needs plans in the county from 16 parent organizations, 66 of them with a $0 consolidated premium.

MA enrolled
334,225
MA enrolled
Medicare eligibles
621,731
Medicare eligibles
MA penetration
53.8%
MA penetration
2026 plans on offer
93
2026 plans on offer

Enrollment and eligibles: CMS MA State/County Penetration, report month 2026-04-01. County keys: FIPS 06073, SSA 05470. Plans on offer: CMS 2026 Landscape, MA + SNP categories.

Who holds the market

Parent organizations by MA enrollment in the county, April 2026. Standalone Part D plans are excluded. Share = the parent's enrollees divided by the county's MA enrolled from the penetration file (the two CMS files can differ slightly; the denominator is stated, not assumed). A cell CMS suppressed (under 11 members) is counted as a bounded unknown, never as zero.

Kaiser Foundation Health Plan, Inc.
112,097
33.5%
50 plan rows, 41 suppressed
UnitedHealth Group, Inc.
68,550
20.5%
248 plan rows, 221 suppressed
SCAN Group
28,663
8.6%
43 plan rows, 29 suppressed
Alignment Healthcare USA, LLC
20,287
6.1%
37 plan rows, 21 suppressed
Sharp Healthcare
19,113
5.7%
7 plan rows, 2 suppressed
Molina Healthcare, Inc.
15,944
4.8%
13 plan rows, 6 suppressed
California Physicians' Service
12,577
3.8%
21 plan rows, 15 suppressed
Humana Inc.
11,582
3.5%
124 plan rows, 113 suppressed
CVS Health Corporation
10,803
3.2%
109 plan rows, 96 suppressed
Community Health Group
10,098
3.0%
2 plan rows
Elevance Health, Inc.
6,974
2.1%
76 plan rows, 69 suppressed
Astiva Health Holdings Incorporated
5,821
1.7%
4 plan rows
+ 85 other parent organizations with small or fully suppressed county enrollment, together between 1,426 and 5,476 members (mostly employer-group and out-of-area plans).

What is on offer for 2026

From the CMS Landscape file for plan year 2026: distinct plans by type, how many carry a $0 consolidated premium, and the range of in-network maximum out-of-pocket (MOOP). A published premium of "Not Applicable" is left out of the premium statistics, not treated as $0.

lowest premium
$0
lowest premium
median premium (n=87)
$0
median premium (n=87)
lowest MOOP
$199
lowest MOOP
highest MOOP
$9,250
highest MOOP
HMO MA
40 plans
33 at $0
13 parents
HMO C-SNP SNP
21 plans
13 at $0
10 parents
HMO-POS MA
12 plans
9 at $0
4 parents
PPO MA
8 plans
3 at $0
3 parents
HMO D-SNP SNP
7 plans
4 at $0
6 parents
HMO-POS C-SNP SNP
4 plans
3 at $0
2 parents
PPO C-SNP SNP
1 plans
1 at $0
1 parents

The plans people are in

The largest plans in the county by April 2026 enrollment, with their 2026 premium and MOOP as published. Enrollment is the April 2026 CPSC file; premium and MOOP are the 2026 Landscape; the two describe different moments and are labelled so.

Kaiser Permanente Senior Advantage San Diego (HMO)
H0524-037 · HMO · Kaiser Foundation Health Plan, Inc.
67,640 enrolled
$0.00
$1,800.00 MOOP
UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS)
H0543-204 · HMO-POS · UnitedHealth Group, Inc.
20,789 enrolled
$0.00
$2,900.00 MOOP
SCAN Alta (HMO)
H5425-082 · HMO · SCAN Group
17,905 enrolled
$0.00
$500.00 MOOP
Molina Medicare Complete Care Plus (HMO D-SNP)
H3038-004 · HMO D-SNP · Molina Healthcare, Inc. · Dual-Eligible
12,891 enrolled
$0.00
$9,250.00 MOOP
Sharp Direct Advantage VIP (HMO)
H5386-005 · HMO · Sharp Healthcare
10,295 enrolled
$0.00
$2,900.00 MOOP
UHC Sharp Medicare Advantage CA-001P (HMO-POS)
H0543-145 · HMO-POS · UnitedHealth Group, Inc.
10,177 enrolled
$0.00
$3,300.00 MOOP
CommuniCare Advantage (HMO D-SNP)
H4733-001 · HMO D-SNP · Community Health Group · Dual-Eligible
9,610 enrolled
$12.00
$9,250.00 MOOP
Kaiser Permanente Senior Advantage San Diego Value (HMO)
H0524-082 · HMO · Kaiser Foundation Health Plan, Inc.
7,912 enrolled
$0.00
$2,900.00 MOOP
AARP Medicare Advantage from UHC CA-026P (HMO-POS)
H0543-225 · HMO-POS · UnitedHealth Group, Inc.
7,576 enrolled
$0.00
$2,900.00 MOOP
Kaiser Permanente Dual Complete South P1 (HMO D-SNP)
H8794-001 · HMO D-SNP · Kaiser Foundation Health Plan, Inc. · Dual-Eligible
7,406 enrolled
$0.00
$9,250.00 MOOP
Blue Shield TotalDual Plan (HMO D-SNP)
H2819-001 · HMO D-SNP · California Physicians' Service · Dual-Eligible
7,330 enrolled
$7.00
$9,250.00 MOOP
Alignment Health Platinum + Instacart (HMO-POS)
H3815-016 · HMO-POS · Alignment Healthcare USA, LLC
6,406 enrolled
$0.00
$998.00 MOOP
AARP Medicare Advantage from UHC CA-0012 (HMO-POS)
H0543-152 · HMO-POS · UnitedHealth Group, Inc.
6,327 enrolled
$0.00
$2,500.00 MOOP
Humana Gold Plus H5619-016 (HMO)
H5619-016 · HMO · Humana Inc.
4,451 enrolled
$0.00
$1,900.00 MOOP
Alignment Health smartHMO (HMO)
H3815-013 · HMO · Alignment Healthcare USA, LLC
3,816 enrolled
$0.00
$2,499.00 MOOP

Star Ratings of the contracts offered here

CMS rates contracts, not counties or plans. The overall Star Rating below is the contract's rating as carried in the 2026 Landscape file (which reflects the July 2026 update); it applies to every plan under that contract nationally and says nothing county-specific.

H3815 Alignment Healthcare USA, LLC · 4.0 · 14 plans hereH0543 UnitedHealth Group, Inc. · 4.0 · 9 plans hereH5425 SCAN Group · 4.0 · 7 plans hereH6170 Champion Health Plans-USA, LLC. · Not Enough Data Available · 7 plans hereH5649 Molina Healthcare, Inc. · 3.0 · 5 plans hereH1993 Astiva Health Holdings Incorporated · 4.0 · 4 plans hereH5386 Sharp Healthcare · 3.5 · 4 plans hereH5619 Humana Inc. · 3.0 · 4 plans hereH7607 Clever Care Health Plan, Inc. · 4.0 · 4 plans hereH0523 CVS Health Corporation · 3.0 · 3 plans hereH0562 Centene Corporation · 3.5 · 3 plans hereH5496 Imperial Health Plan of California · 3.5 · 3 plans hereH5521 CVS Health Corporation · 4.5 · 3 plans hereH5525 Humana Inc. · 3.5 · 3 plans hereH0524 Kaiser Foundation Health Plan, Inc. · 4.5 · 2 plans hereH0544 Elevance Health, Inc. · 3.0 · 2 plans hereH0976 SCAN Group · 4.0 · 2 plans hereH8832 Alignment Healthcare USA, LLC · Plan Too New To Be Measured · 2 plans hereH0504 California Physicians' Service · 4.0 · 1 plan hereH2819 California Physicians' Service · 3.5 · 1 plan here

Method and limits

  • Enrollment, eligibles and penetration are the CMS MA State/County Penetration file for 2026-04-01; the carrier mix is the CMS Monthly Enrollment by Contract/Plan/State/County (CPSC) file for the same month, restricted to MA contracts (H, R and E contract numbers; standalone Part D S-contracts excluded).
  • CMS suppresses any cell under 11 members. Those cells are shown as a range and excluded from shares; they are never zero. Parent rollups use the parent organization CMS publishes, not name matching.
  • Plans on offer are the CMS 2026 MA/Part D Landscape file, MA and SNP categories, counted as distinct contract-plan pairs. Premiums and MOOP are the published strings cast to numbers; "Not Applicable" is excluded from statistics.
  • Year-over-year compares the same report month one year earlier. Plan year, report month and retrieval date are three different clocks and are labelled separately.
  • A negotiated benefit or premium here is what a plan publishes, not what any individual pays; this page is not eligibility or enrollment advice.
  • Data from the Centers for Medicare & Medicaid Services public files, cleaned and joined by Vlada. CMS does not endorse this page or Vlada Health. County identity is the CMS SSA county code (05470); the FIPS code (06073) is shown for reference and can cover more than one SSA cell.

Receipts

Every section above is one read-only query over the Vlada substrate, run through the same tool an agent would call. The query, the engine's query id, the response hash and the bytes scanned are recorded so the numbers can be re-run.

cohort_header query 39345610 · 78,820 bytes · 2026-09-15
SELECT fips, ssa, state_name, county_name, eligibles, enrolled, penetration FROM medicare_silver.ma_state_county_penetration WHERE report_month = DATE '2026-04-01' AND enrolled IS NOT NULL ORDER BY enrolled DESC LIMIT 10

tables: medicare_silver.ma_state_county_penetration · response_hash 46c5bdb36b49f942d989d0332628ef6190af4a31bed0642bd0aabd7016625b9e

prior_year_header query 0f647cea · 52,763 bytes · 2026-09-15
SELECT ssa, eligibles, enrolled, penetration FROM medicare_silver.ma_state_county_penetration WHERE report_month = DATE '2025-04-01' AND ssa IN ('05200', '03060', '45610', '14141', '10120', '05400', '05470', '05430', '33590', '10050')

tables: medicare_silver.ma_state_county_penetration · response_hash 9eef69df7c6b1bca210fd38e43e960277bb92c200774f2b76cea644361c9b39d

parents_by_county query 8e11caa8 · 2,555,853 bytes · 2026-09-15
SELECT county_ssa, parent_org_raw, SUM(enrollment_count) AS enrolled, COUNT(*) AS plan_rows, SUM(CASE WHEN enrollment_count IS NULL THEN 1 ELSE 0 END) AS suppressed_rows, SUM(enrollment_lower_bound) AS lower_bound, SUM(enrollment_upper_bound) AS upper_bound FROM medicare_silver.enrollment_monthly_county WHERE report_month = DATE '2026-04-01' AND contract_id NOT LIKE 'S%' AND county_ssa IN ('05470', '05430', '33590', '10050') GROUP BY county_ssa, parent_org_raw HAVING SUM(enrollment_count) >= 500 ORDER BY county_ssa, enrolled DESC LIMIT 2000

tables: medicare_silver.enrollment_monthly_county · response_hash aca171478dd255f80edf365b61e34f7d2e42c546f73c830ecb208c6543941e57

parents_tail query 4d364f07 · 2,555,853 bytes · 2026-09-15
SELECT county_ssa, COUNT(*) AS parents, SUM(lower_bound) AS lower_bound, SUM(upper_bound) AS upper_bound FROM (SELECT county_ssa, parent_org_raw, SUM(enrollment_count) AS enrolled, SUM(enrollment_lower_bound) AS lower_bound, SUM(enrollment_upper_bound) AS upper_bound FROM medicare_silver.enrollment_monthly_county WHERE report_month = DATE '2026-04-01' AND contract_id NOT LIKE 'S%' AND county_ssa IN ('05200', '03060', '45610', '14141', '10120', '05400', '05470', '05430', '33590', '10050') GROUP BY county_ssa, parent_org_raw) t WHERE enrolled IS NULL OR enrolled < 500 GROUP BY county_ssa LIMIT 2000

tables: medicare_silver.enrollment_monthly_county · response_hash ed8bbf3c4d1d1d95c33348e63f60c8b4936a006afe04a196d93276c87edea1cb

landscape_plans:CA-San Diego query 624c43b5 · 531,082 bytes · 2026-09-15
SELECT contract_id, plan_id, segment_id, plan_name, plan_type, parent_org_name, snp_type, category, consolidated_premium, moop_in_network, overall_star_rating FROM medicare_silver.fact_ma_landscape WHERE report_year = 2026 AND category IN ('MA','SNP') AND state = 'CA' AND county = 'San Diego' ORDER BY contract_id, plan_id, segment_id LIMIT 2000

tables: medicare_silver.fact_ma_landscape · response_hash 75ea7624002c6e9f7a6a480d1cda145a2e5129bba1104582a8b0fc1724a27a4d

top_plans_enrollment:05470 query 352ad961 · 2,587,279 bytes · 2026-09-15
SELECT contract_id, plan_id, parent_org_raw, enrollment_count, enrollment_lower_bound, enrollment_upper_bound FROM medicare_silver.enrollment_monthly_county WHERE report_month = DATE '2026-04-01' AND contract_id NOT LIKE 'S%' AND county_ssa = '05470' ORDER BY enrollment_count DESC NULLS LAST LIMIT 45

tables: medicare_silver.enrollment_monthly_county · response_hash a1a8e19d0e661be992faf80fb966eef5e138edbeff2cf0d9c67798d1110413ed

Generated 2026-09-15 · cohort rule: the 10 largest counties by MA enrollment at the 2026-04-01 report month, SSA-keyed · run these queries yourself · get_market_share · get_landscape