Medicare Advantage
Alignment Health Plan's 2027 Medicare Advantage lineup in Oakland, plan by plan
OAKLAND — If you have an Alignment Health Plan Medicare Advantage policy in Oakland, your plan paperwork for 2027 is landing right as the Annual Enrollment Period gets underway. The carrier is bringing nine Medicare Advantage plans to Alameda County for 2027, including one new plan, one that is not returning, and several that are keeping their shape but changing names. This piece walks through what is on the carrier's 2027 shelf locally and how to check any plan against your doctors and prescriptions before December 7, 2026.
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Key takeaways
- Alignment Health Plan is offering 9 Medicare Advantage plans in Alameda County for 2027 — all HMOs, all with drug coverage, and 6 are Chronic Condition Special Needs Plans (C-SNPs).
- For 2027, 1 of the carrier's plans is new, 1 is not returning, and the rest have been renamed; your Annual Notice of Change (ANOC) spells out what, if anything, changed in your plan.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and any change you make takes effect January 1, 2027; if you do nothing, your current plan renews if it is offered next year.
- Confirm doctors and prescriptions on each plan at medicare.gov or by calling 1-800-MEDICARE before you switch — Plan Finder shows the 2027 formulary and network for every plan.
MyMedicarePlans.org is an independent news and education site; we are not Alignment Health Plan and we are not Medicare. In Alameda County, nine other carriers also offer Medicare Advantage plans for 2027 (32 plans in all), so what follows is one carrier's slice of a larger local market.
What Alignment Health Plan is offering in Alameda County for 2027
Oakland sits in Alameda County, and Medicare Advantage availability is set at the county level. For 2027, Alignment Health Plan's county roster is:
- 9 Medicare Advantage plans
- All 9 are HMOs
- All 9 include Part D prescription drug coverage
- 6 are Chronic Condition Special Needs Plans (C-SNPs); the carrier is not offering a D-SNP or I-SNP here for 2027
The table below lists every Alignment Health Plan plan in the county for 2027, with its plan type and whether it includes drug coverage.
Special Needs Plans and drug coverage
A C-SNP is a Medicare Advantage plan built around a specific chronic condition — common examples include diabetes, chronic heart conditions, and chronic lung disorders. To join, you generally need a qualifying diagnosis confirmed by your doctor. Alignment Health Plan's six C-SNPs in the county focus on conditions reflected in their plan names, such as the "Heart & Diabetes" plans and the "BreathEasy" plan.
Every one of the carrier's 2027 plans in the county includes Part D drug coverage, so you would not need a separate standalone Part D plan while enrolled.
What is new, what is renamed, and what is not returning
Compared with 2026, Alignment Health Plan's 2027 lineup in Alameda County includes:
- 1 new plan for 2027: Alignment Health Honor Plus 060 (HMO).
- 1 plan not returning: the carrier's 2026 Honor+ Plan does not appear on the 2027 roster.
- Renamed plans: several plans carry new names for 2027, including the plan previously sold as Alignment Health Harmony (HMO), which is listed for 2027 as Central Health Harmony 031 (HMO). The BreathEasy, Clarity, Heart & Diabetes, and My Choice plans have also been renumbered or renamed. A rename does not automatically mean benefits changed — only the ANOC can tell you that.
If your plan is renamed, Medicare treats it as a continuation; you do not have to do anything to stay in it. If your plan is one of those not returning, you have a Special Enrollment Period to pick a new plan, in addition to the regular Annual Enrollment Period.
How to check a plan against your doctors and prescriptions
Before December 7, 2026, it is worth running the same two checks on every plan you are considering:
1. Your doctors and hospitals. On medicare.gov's Plan Finder, open the plan's details and look at its provider directory, or call the plan directly. Networks can change year to year even if a plan keeps its name. 2. Your prescriptions. Enter each drug (name, dose, and quantity) into Plan Finder. It will show whether the drug is on that plan's 2027 formulary, what tier it is on, any coverage rules like prior authorization, and your estimated yearly cost at your preferred pharmacy.
If you take expensive medications, the 2027 Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the maximum Part D deductible a plan can charge is $700 in 2027 (up from $615 in 2026). The Medicare Prescription Payment Plan lets you spread your yearly drug costs into monthly payments at no added cost if that helps your budget.
Dates and deadlines that matter this fall
- October 15 – December 7, 2026: Annual Enrollment Period. Changes take effect January 1, 2027.
- January 1 – March 31, 2027: Medicare Advantage Open Enrollment, if you want to switch Medicare Advantage plans or go back to Original Medicare once the year starts.
- Later this fall: CMS will announce the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets. Those are program-wide figures, not plan figures, and we will update once they are published.
Nothing happens to you if you do nothing. Your current plan renews for 2027 if it is still offered, with the changes described in its ANOC.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Alameda County
(MA penetration in Alameda County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
Alignment Health Plan Medicare Advantage plans in Alameda County for 2027
CMS lists 9 Alignment Health Plan Medicare Advantage plans in Alameda County for 2027, alphabetically by carrier. 9 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Alignment Health Plan 9 plans | |||
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| Alignment Health Clarity Plus 042 (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| Alignment Health Honor Plus 060 (HMO) | HMO | Yes | New |
| Alignment Health My Choice 050 (HMO) | HMO | Yes | Renamed |
| Central Health Harmony 031 (HMO) | HMO | Yes | Renamed |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How Alignment Health Plan Medicare Advantage plans in Alameda County break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Does Alignment Health Plan offer any PPO plans in Alameda County for 2027?
My plan has a new name on my ANOC. Did I get switched to a different plan?
I was in the Alignment Health Honor+ Plan in 2026. What are my options?
How do I know if I qualify for a C-SNP?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Also for Oakland
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This page was last updated: October 2026.