Medicare Advantage
If your Medicare Advantage plan is leaving Ontario in 2027, here's what to do
People in Ontario can choose from 75 Medicare Advantage plans for 2027, against 98 in 2026. 17 of this year's plans are gone, 14 are new to San Bernardino County, and 32 that continue have changed their premium, deductible, plan type or name, 20 of them under a new name.
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ONTARIO, Calif. — Medicare's annual fall enrollment window is open, and this year the mail landing in Ontario mailboxes carries some real news. In San Bernardino County, where Ontario sits, 17 Medicare Advantage plans are going away after 2026, 14 new ones are coming for 2027, and 20 more are being renamed. One carrier, Central Health Medicare Plan, will not offer plans in the county next year at all.
Key takeaways
- Seventeen Medicare Advantage plans are leaving San Bernardino County after 2026, and Central Health Medicare Plan is exiting the county entirely.
- Fourteen new plans arrive for 2027 and 20 are being renamed, so a familiar plan name may not mean the same coverage.
- The Annual Enrollment Period runs October 15 through December 7; if your plan is not renewed, a Special Enrollment Period runs through the end of February.
- Read your Annual Notice of Change (ANOC) — CMS shows 32 plans in the county changing on premium, deductible, type or name for 2027.
If you are on Medicare Advantage here, that means there's a decent chance your plan looks different in 2027 — or is gone. Here's how to sort it out before the December 7 deadline.
First, check your mail for the ANOC
Every Medicare Advantage and Part D plan is required to send an Annual Notice of Change (ANOC) by the end of September. It spells out what is different about your specific plan for 2027 — the premium, deductible, plan type, name, network and drug list.
CMS's plan comparison for San Bernardino County shows 32 plans changing on premium, deductible, type or name for 2027, and 61 continuing. We can't tell you what changed for your plan (that's on the ANOC), only that your notice is the place to look.
Plans leaving Ontario after 2026
If you are enrolled in one of these plans, your coverage will not renew for 2027. Your carrier is required to send a non-renewal letter. Plans not returning next year in San Bernardino County include:
- Alignment Health Honor+ Plan (HMO)
- Alignment Health My Choice Select (HMO)
- Alignment Health the ONE (HMO)
- Astiva Health Premier Plan (HMO)
- Wellcare Giveback (HMO)
- Central Health Classic Care Plan I (HMO)
- Central Health Embrace Care Plan (HMO C-SNP)
- Central Health Embrace Choice Plan (HMO C-SNP)
- Central Health Medicare Plan (HMO)
- Central Health Part B Savings Plan (HMO)
- Central Health Valor Care Plan (HMO)
- Champion Select (HMO-POS C-SNP)
- Humana Gold Plus H5619-148 (HMO)
- Kaiser Permanente Dual Complete South P1 (HMO D-SNP)
- Molina Medicare Choice Care (HMO)
- SCAN Affirm partnered with Included LGBTQ+ Health (HMO)
- SCAN MyChoice (HMO)
Because all six Central Health Medicare Plan plans are on that list, that carrier will not have Advantage plans in the county for 2027.
If your plan is on this list, you do not have to wait until January. You have a Special Enrollment Period that runs through the end of February to pick a new Medicare Advantage plan or move back to Original Medicare and add a stand-alone Part D drug plan. Acting during the regular Annual Enrollment Period (by December 7) gives you the smoothest January 1 start.
New plans coming to the county in 2027
Fourteen new Medicare Advantage plans are being introduced in San Bernardino County for 2027, across several existing carriers:
- Aetna Medicare Chronic Care (HMO C-SNP)
- Alignment Health Honor Plus 060 (HMO)
- Astiva Health C-SNP Bloom (HMO C-SNP)
- Astiva Health C-SNP Fountain (HMO C-SNP)
- Champion Compass (HMO C-SNP)
- Champion Home (HMO C-SNP)
- Champion Secure (HMO C-SNP)
- Clever Care Breathe Select+ (HMO C-SNP)
- Clever Care Total Choice+ (HMO C-SNP)
- Humana Gold Plus H5619-191 (HMO)
- Imperial Flex (HMO C-SNP)
- SCAN Costco Medicare Advantage (HMO)
- SCAN Inclusive (HMO)
- SCAN DaVita Dialysis Care (HMO-POS C-SNP)
Several of the new plans are Chronic Condition Special Needs Plans (C-SNPs), which are designed for people with specific conditions like diabetes, heart disease or lung disease. Not everyone qualifies for a Special Needs Plan.
The 20 plans being renamed
A rename can trip people up. A plan you know by one name may show up next year with a slightly different one, or with a plan-type change from HMO-POS to HMO (or vice versa). The full table on this page shows every plan and its 2027 name. Notable renames include several Aetna Medicare Prime and Signature plans, more than a dozen Alignment Health plans, Wellcare Dual Liberty (now Wellcare Health Net Dual Liberty), and two AARP Medicare Advantage from UHC plans. VillageHealth's plan will appear as SCAN DaVita Dialysis Care Complete.
A rename by itself does not change what your plan covers, but a renamed plan is often accompanied by other tweaks — your ANOC is still the source of truth.
Dates to keep on your fridge
- October 15 – December 7: Annual Enrollment Period. Change your Medicare Advantage plan or Part D drug plan, or move between Advantage and Original Medicare. Choices take effect January 1.
- January 1 – March 31: Medicare Advantage Open Enrollment. If you are already in an Advantage plan on January 1, you can make one change.
- Through the end of February: Special Enrollment Period if your current plan is not being renewed for 2027.
A quick reminder on 2027 drug costs
Even if you keep your plan, 2027 brings program-wide Part D changes worth knowing:
- The Part D out-of-pocket cap is $2,100 in 2026.
- The Part D deductible maximum is $615 in 2026 ($700 in 2027).
- The coverage gap ("donut hole") is gone; Part D now has three phases.
- You can opt into the Medicare Prescription Payment Plan to spread your drug costs across the year in monthly payments.
- IRMAA income-related surcharges start above $109,000 for a single filer in 2026.
How to compare your options
1. Read the ANOC (or non-renewal letter) that came from your current plan. 2. Use the Plan Finder at medicare.gov to compare 2027 plans in your ZIP code, including your doctors and prescriptions. 3. Call 1-800-MEDICARE (TTY 1-877-486-2048), 24/7. 4. Get free, unbiased local help from California's SHIP, called HICAP — 1-800-434-0222.
The full 2026 roster table below lists every plan sold in the county this year. Keep in mind that county roster is the "before" picture; the 2027 lineup will reflect the leaves, renames and additions above.
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 San Bernardino County
(MA penetration in San Bernardino 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.
What changes next year
Medicare Advantage plans leaving or changing in San Bernardino County for 2027
Ontario is in San Bernardino County. Comparing CMS’s 2026 and 2027 Landscape files for the county:
Plans not offered in San Bernardino County for 2027
| Plan | Carrier | Type |
|---|---|---|
| Alignment Health Honor+ Plan (HMO) | Alignment Health Plan | HMO |
| Alignment Health My Choice Select (HMO) | Alignment Health Plan | HMO |
| Alignment Health the ONE (HMO) | Alignment Health Plan | HMO |
| Astiva Health Premier Plan (HMO) | Astiva Health | HMO |
| Wellcare Giveback (HMO) | Centene (WellCare) | HMO |
| Central Health Classic Care Plan I (HMO) | Central Health Medicare Plan | HMO |
| Central Health Embrace Care Plan (HMO C-SNP) | Central Health Medicare Plan | HMO C-SNP |
| Central Health Embrace Choice Plan (HMO C-SNP) | Central Health Medicare Plan | HMO C-SNP |
| Central Health Medicare Plan (HMO) | Central Health Medicare Plan | HMO |
| Central Health Part B Savings Plan (HMO) | Central Health Medicare Plan | HMO |
| Central Health Valor Care Plan (HMO) | Central Health Medicare Plan | HMO |
| Champion Select (HMO-POS C-SNP) | Champion Heath Plan | HMO-POS C-SNP |
| Humana Gold Plus H5619-148 (HMO) | Humana | HMO |
| Kaiser Permanente Dual Complete South P1 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP |
| Molina Medicare Choice Care (HMO) | Molina Healthcare of California | HMO |
| SCAN Affirm partnered with Included LGBTQ+ Health (HMO) | SCAN Health Plan | HMO |
| SCAN MyChoice (HMO) | SCAN Health Plan | HMO |
Plans new to San Bernardino County for 2027
| Plan | Carrier | Type |
|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP |
| Alignment Health Honor Plus 060 (HMO) | Alignment Health Plan | HMO |
| Astiva Health C-SNP Bloom (HMO C-SNP) | Astiva Health | HMO C-SNP |
| Astiva Health C-SNP Fountain (HMO C-SNP) | Astiva Health | HMO C-SNP |
| Champion Compass (HMO C-SNP) | Champion Heath Plan | HMO C-SNP |
| Champion Home (HMO C-SNP) | Champion Heath Plan | HMO C-SNP |
| Champion Secure (HMO C-SNP) | Champion Heath Plan | HMO C-SNP |
| Clever Care Breathe Select+ (HMO C-SNP) | Clever Care Health Plan | HMO C-SNP |
| Clever Care Total Choice+ (HMO C-SNP) | Clever Care Health Plan | HMO C-SNP |
| Humana Gold Plus H5619-191 (HMO) | Humana | HMO |
| Imperial Flex (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP |
| SCAN Costco Medicare Advantage (HMO) | SCAN Health Plan | HMO |
| SCAN Inclusive (HMO) | SCAN Health Plan | HMO |
| SCAN DaVita Dialysis Care (HMO-POS C-SNP) | VillageHealth | HMO-POS C-SNP |
Plans continuing under a new name
| Plan | Carrier | Type |
|---|---|---|
| Aetna Medicare Prime (HMO) (was Aetna Medicare Prime (HMO-POS)) | Aetna (CVS Health) | HMO-POS |
| Aetna Medicare Prime Extra (HMO) (was Aetna Medicare Prime Extra (HMO-POS)) | Aetna (CVS Health) | HMO-POS |
| Aetna Medicare Prime Value Plus (HMO) (was Aetna Medicare Prime Value Plus (HMO-POS)) | Aetna (CVS Health) | HMO-POS |
| Aetna Medicare Signature Legacy (HMO) (was Aetna Medicare Signature (HMO)) | Aetna (CVS Health) | HMO |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) (was Alignment Health BreathEasy (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Clarity Plus 042 (HMO C-SNP) (was Alignment Health Clarity (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) (was Alignment Health Heart & Diabetes (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) (was Alignment Health Heart & Diabetes Choice (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes 054 (HMO C-SNP) (was Alignment Health Heart & Diabetes Care (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) (was Alignment Health Heart & Diabetes CalPlus (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health Heart & Diabetes Plus 044 (HMO C-SNP) (was Alignment Health Heart & Diabetes Access (HMO C-SNP)) | Alignment Health Plan | HMO C-SNP |
| Alignment Health My Choice 001 (HMO) (was Alignment Health My Choice (HMO)) | Alignment Health Plan | HMO |
| Alignment Health My Choice 050 (HMO) (was Alignment Health My Choice CalCare (HMO)) | Alignment Health Plan | HMO |
| Alignment Health Smart 013 (HMO) (was Alignment Health smartHMO (HMO)) | Alignment Health Plan | HMO |
| Alignment Health Smart 047 (HMO) (was Alignment Health smartSavings (HMO)) | Alignment Health Plan | HMO |
| Alignment Health ValorCare 053 (HMO) (was Alignment Health ValorCare (HMO)) | Alignment Health Plan | HMO |
| Wellcare Health Net Dual Liberty (HMO D-SNP) (was Wellcare Dual Liberty (HMO D-SNP)) | Centene (WellCare) | HMO D-SNP |
| AARP Medicare Advantage Giveback from UHC CA-32P (HMO-POS) (was AARP Medicare Advantage Giveback from UHC CA-21 (HMO-POS)) | UnitedHealthcare | HMO-POS |
| AARP Medicare Advantage Patriot No Rx CA-MA1P (HMO-POS) (was AARP Medicare Advantage Patriot No Rx CA-MA01 (HMO-POS)) | UnitedHealthcare | HMO-POS |
| SCAN DaVita Dialysis Care Complete (HMO-POS C-SNP) (was VillageHealth (HMO-POS C-SNP)) | VillageHealth | HMO-POS C-SNP |
Carriers with no plans in San Bernardino County for 2027: Central Health Medicare Plan
“Changing” means the plan’s 2027 record differs from 2026 on premium, drug deductible, plan type or name; the details are in the Annual Notice of Change your plan mails by September 30. If your plan is not offered for 2027, you can choose another during the Annual Enrollment Period (October 15 to December 7) and you also get a Special Enrollment Period that runs through the end of February. Source: CMS MA Landscape Source Files. No plan is ranked or recommended.
The choices, by type
How the Medicare Advantage choices in Ontario break down for 2027
Carriers offering plans in San Bernardino County, alphabetically, with the number of plans each offers:
- Aetna (CVS Health) 6 plans
- Alignment Health Plan 15 plans
- Astiva Health 4 plans
- Blue Shield of California 2 plans
- Centene (WellCare) 5 plans
- Central Health Medicare Plan 6 plans
- Champion Heath Plan 7 plans
- Clever Care Health Plan 4 plans
- Elevance Health (Anthem) 10 plans
- Elite Health Plan, Inc. 2 plans
- Humana 8 plans
- IEHP DualChoice 1 plan
- Imperial Health Plan of California, Inc. 3 plans
- Kaiser Permanente 4 plans
- Molina Healthcare of California 2 plans
- SCAN Health Plan 11 plans
- UnitedHealthcare 7 plans
- VillageHealth 1 plan
HMO plans use a network and usually a primary-care doctor; HMO-POS plans add some out-of-network coverage; PPO plans 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 who are dual-eligible (D-SNP), have certain conditions (C-SNP) or live in an institution (I-SNP). Source: CMS Landscape Source File. No plan is ranked or recommended here.
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
What happens if I do nothing and my plan is leaving?
My plan has a new name for 2027. Is my coverage the same?
I have a Special Needs Plan (SNP). Do the same rules apply?
- 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, 1-800-MEDICARE, or your local SHIP.
Also for Ontario
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This page was last updated: October 1, 2026.