Plans ending in 2027 · California
Medicare Advantage Plans Ending in San Diego County, California for 2027
22 general Medicare Advantage plans sold in San Diego County in 2026 are not offered here for 2027. 21 are discontinued everywhere; one left this county but still sells elsewhere. Here is the list from the federal plan file, what remains, and the three doors the October letter opens.
The bottom line
- 22 plans sold in San Diego County in 2026 are gone for 2027, led by Sharp Direct Advantage VIP (H5386-005) with 10,102 members here in September 2026. Coverage under a discontinued plan ends December 31, 2026.
- 30,291 people here were enrolled in the ending plans in September 2026, per CMS.
- The shelf goes from 60 to 46 general plans from 14 companies (Central Health Medicare Plan, Molina Healthcare of California, Sharp Health Plan have no general plan here for 2027). 32 of the 46 are $0 premium. 8 plans are new.
- Non-renewal letters are dated on or about October 2. Choose between October 15 and December 7; the Medigap guaranteed-issue window runs November 1 to March 4.
If your card shows one of the plans below, your plan is ending in San Diego County and you need to choose 2027 coverage this fall. Everything on this page comes from the plan file CMS publishes each fall and its monthly enrollment report, compared plan number by plan number, not from a mailer. Carrier names are factual reporting, not criticism; plans from most companies changed somewhere for 2027.
Plans sold in San Diego County in 2026 that are not offered here in 2027
| Plan (2026) | Plan ID | Type | 2026 premium | 2026 in-network cap | 2026 stars | Members here, September 2026 | 2027 |
|---|---|---|---|---|---|---|---|
| Sharp Direct Advantage VIP Sharp Health Plan | H5386-005 | HMO | $0 | $2,900 | 3.5 | 10,102 | Discontinued |
| Sharp Direct Advantage VIP Plus Sharp Health Plan | H5386-006 | HMO | $0 | $2,900 | 3.5 | 4,507 | Discontinued |
| HumanaChoice H5525-077 Humana | H5525-077 | PPO | $0 | $5,700 | 3.5 | 3,201 | Discontinued |
| Aetna Medicare Signature Aetna Medicare | H5521-422 | PPO | $0 | $6,350 | 4.5 | 2,554 | Discontinued |
| Sharp Direct Advantage Gold Sharp Health Plan | H5386-003 | HMO | $0 | $2,900 | 3.5 | 2,028 | Discontinued |
| Aetna Medicare Enhanced Aetna Medicare | H5521-580 | PPO | $59 | $5,500 | 4.5 | 1,358 | Discontinued |
| Aetna Medicare Signature Aetna Medicare | H4982-004 | HMO | $0 | $2,000 | 3.0 | 1,355 | Discontinued |
| Central Health Part B Savings Plan Central Health Medicare Plan | H5649-029 | HMO | $0 | $2,900 | 3.0 | 695 | Discontinued |
| Sharp Direct Advantage Platinum Sharp Health Plan | H5386-004 | HMO | $62 | $2,900 | 3.5 | 610 | Discontinued |
| Molina Medicare Choice Care Molina Healthcare of California | H5810-014 | HMO | $0 | $3,600 | 3.0 | 595 | Discontinued |
| Central Health Classic Care Plan I Central Health Medicare Plan | H5649-027 | HMO | $0 | $799 | 3.0 | 544 | Discontinued |
| Aetna Medicare Eagle Aetna Medicare · no drug coverage | H5521-369 | PPO | n/a | $6,750 | 4.5 | 467 | Discontinued |
| Alignment Health Honor+ Plan Alignment Health Plan | H3815-052 | HMO | $0 | $9,250 | 4.0 | 412 | Discontinued |
| SCAN MyChoice SCAN Health Plan | H5425-109 | HMO | $0 | $1,000 | 4.0 | 321 | Discontinued |
| Humana Gold Plus H5619-148 Humana | H5619-148 | HMO | $0 | $2,900 | 3.0 | 273 | Discontinued |
| Alignment Health the ONE Alignment Health Plan | H3815-034 | HMO | $0 | $3,400 | 4.0 | 177 | Discontinued |
| SCAN Affirm partnered with Included LGBTQ+ Health SCAN Health Plan | H5425-096 | HMO | $0 | $500 | 4.0 | 142 | Discontinued |
| Astiva Health Premier Plan Astiva Health | H1993-015 | HMO | $0 | $1,500 | 4.0 | 128 | Discontinued |
| Alignment Health Freedom Alignment Health Plan | H8832-003 | PPO | $12 | $8,500 | n/a | 124 | Discontinued |
| Central Health Valor Care Plan Central Health Medicare Plan · no drug coverage | H5649-030 | HMO | n/a | $4,400 | 3.0 | 68 | Discontinued |
| Aetna Medicare Signature Extra Aetna Medicare | H0523-092 | HMO | $0 | $2,000 | 3.0 | 17 | Discontinued |
| Alignment Health Advantage PPO Alignment Health Plan | H8832-001 | PPO | $45 | $4,201 | n/a | 613 | Left this county |
Sources: CMS CY2026 and CY2027 landscape files, San Diego County, California, compared by Contract Plan ID; enrollment from CMS September 2026 CPSC report ("fewer than 11" is CMS's suppression; "—" means no county row). "Discontinued" = no row for that plan ID anywhere in the 2027 file. "Left this county" = still sold in other counties. Special Needs Plans are not in this table (33 → 39 here). 2027 Star Ratings are not yet published. A plan that is renamed or re-issued under a new ID appears as gone here and new below.
What is new in San Diego County for 2027
| 2027 plan | Plan ID | Type | Premium | In-network cap |
|---|---|---|---|---|
| Blue Shield Advantage Blue Shield of California | H0504-055 | HMO | $0 | $499 |
| Blue Shield Value Advantage Plan Blue Shield of California | H0504-057 | HMO | $0 | $500 |
| Aetna Medicare Eagle Aetna Medicare · no drug coverage | H0523-099 | HMO | n/a | $4,450 |
| Humana Gold Plus H3767-001 Humana | H3767-001 | HMO | $0 | $3,300 |
| Alignment Health Honor Plus 060 Alignment Health Plan | H3815-060 | HMO | $7.30 | $9,850 |
| SCAN Costco Medicare Advantage SCAN Health Plan | H5425-145 | HMO | $0 | $900 |
| Alignment Health Balance Plus 004 Alignment Health Plan | H8832-004 | PPO | $7.30 | $9,850 |
| Alignment Health Advantage 005 Alignment Health Plan | H8832-005 | PPO | $160 | $4,451 |
Source: CMS CY2027 landscape file. Listing a plan is not a recommendation; whether it fits depends on your doctors, your prescriptions and your health.
What the rest of San Diego County looks like for 2027
Sources: CMS landscape files (MA and MA-PD rows, SNP indicator No) · CMS 2027 state fact sheets (California has 10 stand-alone drug plans for 2027). Companies for 2027: Aetna Medicare, Alignment Health Plan, Anthem Blue Cross, Anthem Blue Cross Partnership Plan, Astiva Health, Blue Shield of California, Champion Heath Plan, Clever Care Health Plan, Humana, Imperial Health Plan of California, Inc., Kaiser Permanente, SCAN Health Plan, UnitedHealthcare, Wellcare.
The letter, and what it does not mean
Federal rules require a plan that is not renewing to notify each member by mail at least 90 calendar days before the plan ends (42 CFR § 422.506); for a December 31 end that puts the notice at October 2, and Medicare.gov describes the same letter (when a plan is no longer available in your area). It is a separate envelope from the Annual Notice of Change, which every plan sent by September 30. A plan that merely left this county while continuing elsewhere sends the same kind of notice to its members here.
The letter does not mean you are losing Medicare; Parts A and B are untouched. It does not mean your doctors are leaving. And it does not mean you need to call anyone to cancel: the plan ends on its own on December 31. Keep it. It is the document that proves your Medigap right.
Your three doors
- Another Medicare Advantage plan from the 14 companies still in San Diego County, chosen during October 15 – December 7 so it starts January 1 (Medicare.gov). Compare in this order: your doctors and hospital, your prescriptions, the in-network cap, then the premium.
- Original Medicare plus a Medigap policy plus a stand-alone drug plan. The exit opens the door: per Medicare.gov, when your plan leaves Medicare or your area you may buy Medigap Plan A, B, D, G, K or L with no health questions, applying as early as 60 days before and no later than 63 days after your coverage ends: November 1, 2026 through March 4, 2027. Plans C and F only if you were Medicare-eligible before 2020. No network: any provider that accepts Medicare. California has 10 stand-alone drug plans for 2027.
- Original Medicare plus a drug plan, no Medigap. Lowest premium, no network, no annual cap on your 20% share. Price it against your health before accepting it.
If you miss December 7, a discontinued plan also gives you a Special Enrollment Period from December 8 through February 28 to pick another Advantage plan (42 CFR § 422.62), but a plan chosen in January starts February 1, and January would be spent in Original Medicare with no drug coverage. A safety net, not a plan.
Holding a letter in San Diego County?
Brian Penner is licensed in California and works by phone. Bring the letter, your doctors and your prescriptions, and we will compare the plans we offer in San Diego County against all three doors. No cost, no pressure. We do not offer every plan available in your area.
Book a phone appointment →The calendar from here
| When | What happens | |
|---|---|---|
| By September 30, 2026 | Every plan's Annual Notice of Change is due — the other letter. | Read |
| On or about October 2, 2026 | Non-renewal notice from a discontinued plan: it ends December 31, here are your windows, here is a Medigap fact sheet. | Keep it |
| Oct 15 – Dec 7, 2026 | Annual Enrollment Period — choose 2027 coverage; it starts January 1. | Act |
| Nov 1, 2026 – Mar 4, 2027 | Medigap guaranteed-issue window: 60 days before your plan ends through 63 days after. | Medigap door |
| Dec 8, 2026 – Feb 28, 2027 | Special Enrollment Period for members of a discontinued plan — but a January pick starts February 1. | Backstop |
| Doing nothing | January 1 you are in Original Medicare with no drug plan and no out-of-pocket cap. | Risk |
What I would do this week
- Find both letters, the Annual Notice of Change and any non-renewal notice, and put the second one where you can find it in February.
- Write down every doctor you see, every prescription, and your pharmacy. Nothing can be compared until that list exists.
- Decide the door before the plan. Advantage versus Medigap is the bigger decision. If you lean Medigap, the window opens November 1; there is no reason to wait for December.
- Ignore the phone calls. A plan ending is a magnet for marketing. Nobody can enroll you in a 2027 plan before October 15, and no legitimate agent needs your Medicare number to "check" anything.
- Enroll between October 15 and December 7. Earlier is fine; CMS says the last enrollment request wins, so you can change your mind inside the window.
How we know all this: the Medicare On Main Data Desk frames every page with public data, here the CMS CY2026 and CY2027 landscape files compared by Contract Plan ID, CMS's September 2026 county-level enrollment report, CMS's September 28, 2026 state fact sheets, and the federal rules and Medicare.gov pages on non-renewal notices, enrollment periods and Medigap guaranteed-issue rights. Mentioning a carrier is factual reporting, not endorsement or criticism. This is education, not advice; confirm plans, costs and eligibility with a licensed agent or Medicare.gov. We take no payment from any carrier to feature a plan.
Frequently asked questions
Is my Medicare Advantage plan ending in San Diego County for 2027?
22 general Medicare Advantage plans sold in San Diego County, California in 2026 are not offered here for 2027: Sharp Direct Advantage VIP (H5386-005); Sharp Direct Advantage VIP Plus (H5386-006); HumanaChoice H5525-077 (H5525-077); Aetna Medicare Signature (H5521-422); Sharp Direct Advantage Gold (H5386-003); Aetna Medicare Enhanced (H5521-580); Aetna Medicare Signature (H4982-004); Central Health Part B Savings Plan (H5649-029); Sharp Direct Advantage Platinum (H5386-004); Molina Medicare Choice Care (H5810-014); Central Health Classic Care Plan I (H5649-027); Aetna Medicare Eagle (H5521-369); Alignment Health Honor+ Plan (H3815-052); SCAN MyChoice (H5425-109); Humana Gold Plus H5619-148 (H5619-148); Alignment Health the ONE (H3815-034); SCAN Affirm partnered with Included LGBTQ+ Health (H5425-096); Astiva Health Premier Plan (H1993-015); Alignment Health Freedom (H8832-003); Central Health Valor Care Plan (H5649-030); Aetna Medicare Signature Extra (H0523-092); Alignment Health Advantage PPO (H8832-001). 21 of them do not appear anywhere in the CMS 2027 plan file and are being discontinued; 1 is still sold in other counties but no longer here. If your plan is on the list, you need to choose 2027 coverage between October 15 and December 7, 2026.
How many people in San Diego County are affected?
30,291 people here were enrolled in the ending plans in September 2026, per CMS. Those counts are the plans' total September 2026 enrollment in this county, including any employer-group members, so the number of individual members choosing a new plan may be somewhat lower.
Which Medicare Advantage plans are new in San Diego County for 2027?
8 general plans are listed for San Diego County in 2027 that were not sold here in 2026: Blue Shield Advantage (HMO, H0504-055, $0 premium, $499 in-network cap); Blue Shield Value Advantage Plan (HMO, H0504-057, $0 premium, $500 in-network cap); Aetna Medicare Eagle (HMO, H0523-099, n/a premium, $4,450 in-network cap); Humana Gold Plus H3767-001 (HMO, H3767-001, $0 premium, $3,300 in-network cap); Alignment Health Honor Plus 060 (HMO, H3815-060, $7.30 premium, $9,850 in-network cap); SCAN Costco Medicare Advantage (HMO, H5425-145, $0 premium, $900 in-network cap); Alignment Health Balance Plus 004 (PPO, H8832-004, $7.30 premium, $9,850 in-network cap); Alignment Health Advantage 005 (PPO, H8832-005, $160 premium, $4,451 in-network cap). Listing a plan is not a recommendation.
Will I be moved to another plan automatically?
Not into a plan from a different company. If your plan is discontinued and you do nothing, you return to Original Medicare on January 1, 2027 with no drug coverage and no annual out-of-pocket cap. Some carriers do move members into a sister plan under the same contract; the non-renewal letter dated on or about October 2 says whether yours does. Read it, and keep it.
Can I buy a Medigap plan without health questions if my plan ends?
Generally, yes. When a Medicare Advantage plan leaves Medicare or your area and you return to Original Medicare, Medicare.gov says you have a guaranteed-issue right to buy Medigap Plan A, B, D, G, K or L (C or F if you were eligible for Medicare before 2020), applying as early as 60 days before and no later than 63 days after your coverage ends: November 1, 2026 through March 4, 2027 for a December 31 end date. Some states add further rights; ask.
Can Medicare On Main help in California?
Yes, by phone. Brian Penner is an independent licensed Medicare advisor, licensed in California (see our license verification page), paid by the carriers rather than by you. We do not offer every plan available in San Diego County, and we will tell you plainly when Medicare.gov, 1-800-MEDICARE or your State Health Insurance Assistance Program is the right next stop.
Sources
- CMS — CY2027 Medicare Advantage / Part D Landscape file (zip) — data last updated 2026-09-22.
- CMS — CY2026 Medicare Advantage / Part D Landscape file (zip).
- CMS — Monthly Enrollment by Contract/Plan/State/County, September 2026 (zip).
- CMS — 2027 Medicare Advantage and Part D landscape, state-by-state fact sheets (Sept 28, 2026).
- 42 CFR § 422.506 — nonrenewal notice to each enrollee at least 90 days before.
- Medicare.gov — When a plan is no longer available in your area.
- 42 CFR § 422.62(b)(1) — Special Enrollment Period when a plan is discontinued in your area.
- Medicare.gov — Joining a plan (Oct 15–Dec 7 changes start January 1).
- Medicare.gov — When can I buy a Medigap policy? (guaranteed-issue rights).
- Medicare Plan Compare (Medicare.gov) — every plan available in your county.