Medicare Advantage

Fontana's 2027 Medicare Advantage roster: 17 carriers, 75 plans

San Bernardino County has 95 Medicare Advantage plans for 2027. Compared with 2026, 17 plans are not coming back, 14 are new, and 52 continuing plans changed in some way you should check before December 7, 20 of them under a new name. This guide covers what those numbers mean for Fontana, not which plan to pick.

If you live in Fontana and are weighing your Medicare Advantage choices for 2027, here is the full picture. Fontana is in San Bernardino County, where the Centers for Medicare & Medicaid Services (CMS) lists 75 Medicare Advantage plans for the 2027 plan year, offered by 17 different carriers. Of those, 61 are continuing from 2026, 14 are new, 20 have been renamed, and 17 plans from 2026 are not returning. The table below lists every plan by carrier, with its plan type and drug-coverage status, exactly as it appears in the CMS Medicare Advantage Landscape Source File.

What the 2027 Fontana lineup looks like

Medicare Advantage availability is set by CMS at the county level, so a Fontana resident sees the same menu as anyone else in San Bernardino County. For 2027, that menu has 75 plans from 17 carriers, down from 98 plans and 18 carriers in 2026.

By plan type, the county's roster splits this way:

• HMO: 69 plans
• HMO-POS: 25 plans
• PPO: 4 plans

Forty of the 98 plans are Special Needs Plans (SNPs). SNPs are limited to people who meet certain conditions — for example, a chronic condition (C-SNP), being eligible for both Medicare and Medi-Cal (D-SNP), or living in an institution or needing that level of care (I-SNP).

And every one of the 98 plans on the county roster includes Part D prescription drug coverage. That is why you will not see any stand-alone Part D drug-only plans listed as a companion here — for MA-PD enrollees, the drug coverage is baked in.

The 18 carriers offering plans in San Bernardino County

Here are the carriers on the 2027 roster, in alphabetical order, with the number of plans each one offers in the county:

• Aetna (CVS Health) — 6 plans (HMO, HMO-POS)
• Alignment Health Plan — 15 plans (HMO; 7 Special Needs)
• Astiva Health — 4 plans (HMO; 2 Special Needs)
• Blue Shield of California — 2 plans (HMO)
• Centene (WellCare) — 5 plans (HMO; 2 Special Needs)
• Central Health Medicare Plan — 6 plans (HMO; 2 Special Needs)
• Champion Heath Plan — 7 plans (HMO, HMO-POS; 6 Special Needs)
• Clever Care Health Plan — 4 plans (HMO; 2 Special Needs)
• Elevance Health (Anthem) — 10 plans (HMO-POS; 5 Special Needs)
• Elite Health Plan, Inc. — 2 plans (HMO)
• Humana — 8 plans (HMO, PPO)
• IEHP DualChoice — 1 plan (HMO; 1 Special Needs)
• Imperial Health Plan of California, Inc. — 3 plans (HMO; 1 Special Needs)
• Kaiser Permanente — 4 plans (HMO; 2 Special Needs)
• Molina Healthcare of California — 2 plans (HMO; 1 Special Needs)
• SCAN Health Plan — 11 plans (HMO, HMO-POS; 6 Special Needs)
• UnitedHealthcare — 7 plans (HMO, HMO-POS; 2 Special Needs)
• VillageHealth — 1 plan (HMO-POS; 1 Special Needs)

The complete plan-by-plan list — 98 rows in total — is in the table below.

Understanding the plan types

The plan-type label next to each plan tells you a lot about how it works day-to-day.

• HMO (Health Maintenance Organization). You generally pick a primary care doctor, use in-network providers, and get referrals for specialists. Out-of-network care usually is not covered except in emergencies.
• HMO-POS (Point of Service). Similar to an HMO, but with a limited option to see certain out-of-network providers, usually at a higher cost.
• PPO (Preferred Provider Organization). More flexibility to see out-of-network providers, though you generally pay less when you stay in-network.

Any plan label that includes "C-SNP," "D-SNP," or "I-SNP" is a Special Needs Plan. Those plans are only open to people who meet the eligibility rules for that specific SNP type.

Drug coverage in 2027: what's the same for everyone

Individual plan costs and benefit designs vary and are not something we compare here, but a few Part D rules apply across the board in 2026:

• The Part D out-of-pocket cap is $2,100 in 2026 ($2,400 in 2027) for the year. Once your covered drug spending hits that amount, you pay $0 for covered Part D drugs the rest of the year.
• The maximum Part D deductible a plan can charge is $615 in 2026 ($700 in 2027). Plans can choose a lower amount.
• The old "donut hole" coverage gap has been eliminated as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your Part D out-of-pocket costs across the calendar year in monthly bills instead of paying at the pharmacy counter. It is optional and free to opt into.
• IRMAA (Income-Related Monthly Adjustment Amount) surcharges for Part B and Part D start above $109,000 in income for a single filer in 2026.

Key dates for Fontana enrollees

• Annual Enrollment Period (AEP): October 15 – December 7. This is when you can join, switch, or drop a Medicare Advantage or Part D plan for the coming year.
• Medicare Advantage Open Enrollment Period (MA OEP): January 1 – March 31. If you are already in a Medicare Advantage plan, you get one more chance to switch to a different MA plan or return to Original Medicare.
• Special Enrollment Periods may apply if you move, lose other coverage, or qualify for Extra Help.

How to compare the plans in the table

Because we cannot compare plan-specific premiums, copays, provider networks or star ratings here, the best next step is to run the same plans through Medicare's own tools:

1. Go to Medicare.gov and open the Plan Finder. Enter your Fontana ZIP code and, if you can, your list of prescriptions. 2. Look at each plan's Summary of Benefits and Evidence of Coverage — those are the official plan documents. 3. Check that your doctors, hospitals and pharmacies are in the plan's network. 4. Confirm your medications are on the plan's formulary and see what tier they are on. 5. If you want free one-on-one help, contact HICAP, California's State Health Insurance Assistance Program (SHIP).