Medicare Advantage

Shopping Medicare Advantage in Ontario? Here are all 98 plans on the 2026 menu

People in Ontario can choose from 95 Medicare Advantage plans for 2027, against 98 this year. 17 of this year’s plans are gone, 14 are new to San Bernardino County, and 52 that continue have changed their premium, deductible, plan type or name, 20 of them under a new name.

Medicare AdvantageOntario, CA

Ontario shoppers heading into this fall's Medicare decisions have a lot to sort through. For plan year 2026, 98 Medicare Advantage plans from 18 carriers are available to people on Medicare in San Bernardino County, which is where Ontario sits. Every one of those plans includes prescription drug coverage.

The table below lists every plan by carrier, with its plan type and a note that drug coverage is included. Use it as your starting point, then confirm the details that matter to you — costs, doctors, pharmacies, and covered drugs — on the official Medicare Plan Finder or in the plan's own documents.

What's on the menu in Ontario for 2026

Medicare Advantage availability is set at the county level by the Centers for Medicare & Medicaid Services (CMS). Because Ontario is in San Bernardino County, the plans available to someone with a San Bernardino County ZIP code are the plans in the list below.

The 2026 county roster includes national names like Aetna (CVS Health), Humana, UnitedHealthcare, Elevance Health (Anthem) and Kaiser Permanente, along with California-focused carriers such as Blue Shield of California, SCAN Health Plan, Alignment Health Plan, Central Health Medicare Plan and Molina Healthcare of California. Smaller and specialty carriers round out the list: Astiva Health, Centene (WellCare), Champion Heath Plan, Clever Care Health Plan, Elite Health Plan, IEHP DualChoice, Imperial Health Plan of California and VillageHealth.

How the plan types differ

Every plan in the county roster is one of three types, and the type shapes how you use the plan.

• HMO (Health Maintenance Organization): You generally choose a primary care doctor and use the plan's network. Out-of-network care is usually not covered except in emergencies. 69 of the 98 plans are HMOs.
• HMO-POS (Point of Service): An HMO with a limited option to see certain out-of-network providers for some services. 25 plans use this design.
• PPO (Preferred Provider Organization): More flexibility to see out-of-network providers, usually at a higher cost. Only 4 PPO plans are on the 2026 list for the county.

None of the plans listed for San Bernardino County are Private Fee-for-Service (PFFS) or Medical Savings Account (MSA) plans this year.

Special Needs Plans are a big part of the local list

Of the 98 plans available, 40 are Special Needs Plans, or SNPs. SNPs are Medicare Advantage plans limited to people who meet specific criteria:

• C-SNPs are for people with certain chronic conditions, such as diabetes, heart conditions, chronic lung disorders or end-stage renal disease.
• D-SNPs are for people who have both Medicare and Medicaid (in California, Medi-Cal).
• I-SNPs are for people who live in, or need the level of care provided by, certain institutions such as nursing homes.

Ontario's roster includes examples of all three: chronic-condition plans from carriers like Alignment Health Plan, Champion Heath Plan, Clever Care Health Plan and SCAN; dual-eligible plans such as IEHP DualChoice, Wellcare Health Net Dual Liberty, Kaiser Permanente Dual Complete South and Molina Medicare Complete Care Plus; and institutional plans such as SCAN Embrace and SCAN Embrace Together. You can only enroll in an SNP if you meet its rules.

Drug coverage is built into every plan on the list

All 98 Medicare Advantage plans offered in San Bernardino County for 2026 include Part D prescription drug coverage. The dataset shows no stand-alone Part D drug plans listed at the county level in this file, so people in Ontario who want prescription coverage will typically get it through one of these Medicare Advantage plans, or through Original Medicare paired with a stand-alone drug plan chosen on medicare.gov.

A few program-level Part D facts to keep in mind for 2026:

• The annual out-of-pocket cap on covered Part D drugs is $2,100.
• The maximum Part D deductible a plan can charge is $615.
• The old "donut hole" coverage gap is gone — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly payments instead of paying at the pharmacy counter.

Dates to circle

Two enrollment windows matter most for Ontario residents shopping this list:

• Annual Enrollment Period: Oct. 15 to Dec. 7. You can join, switch or drop a Medicare Advantage or Part D plan. Coverage starts Jan. 1.
• Medicare Advantage Open Enrollment Period: Jan. 1 to March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to a different Advantage plan or return to Original Medicare (and add a stand-alone Part D plan).

People with certain life events — moving, losing employer coverage, becoming eligible for Medi-Cal — may qualify for a Special Enrollment Period outside these dates.

How to compare the plans on this list

The roster tells you what's available. It doesn't tell you which plan fits your doctors, medications or budget. To answer those questions:

1. Go to medicare.gov/plan-compare and enter your ZIP code and your list of prescriptions. Plan Finder shows premiums, deductibles, copays, drug coverage and each contract's Star Rating. 2. Read the plan's Summary of Benefits and Evidence of Coverage on the carrier's website. 3. Check that your doctors, hospitals and preferred pharmacies are in the plan's network. 4. Call 1-800-MEDICARE (1-800-633-4227) or California's SHIP program (HICAP) at 1-800-434-0222 for free, unbiased one-on-one help.