Medicare Advantage

Shopping Medicare Advantage in Oxnard? Here is the full 2027 carrier-by-carrier lineup

People in Oxnard can choose from 33 Medicare Advantage plans for 2027, against 35 this year. Eight of this year’s plans are gone, 6 are new to Ventura County, and 25 that continue have changed their premium, deductible, plan type or name, 11 of them under a new name.

Medicare AdvantageOxnard, CA

OXNARD, Calif. — If you live in Oxnard and are sorting through your Medicare Advantage options for 2027, here is the full picture in one place. Oxnard sits in Ventura County, where the Centers for Medicare & Medicaid Services (CMS) lists 22 Medicare Advantage plans for the 2027 plan year, offered by 7 carriers. Every one of those plans includes prescription drug coverage. The table below lists every plan, grouped by carrier, with its plan type and drug-coverage status.

How the Oxnard-area lineup breaks down

Medicare Advantage availability is determined by county, not city, so any plan sold in Ventura County is available to someone with a Ventura County ZIP code, including Oxnard. For 2027, CMS's Medicare Advantage Landscape file shows:

• 35 Medicare Advantage plans total
• 10 carriers offering MA-PD (Medicare Advantage with drug coverage)
• 29 HMO plans, 2 HMO-POS plans, and 4 PPO plans
• 15 Special Needs Plans (SNPs)
• All 35 plans include Part D prescription drug coverage

There are no stand-alone Part D plans listed in this local landscape file for the county; stand-alone Part D is a separate CMS dataset. If you have Original Medicare and want drug coverage, check the Part D landscape on medicare.gov.

The carriers offering plans in Ventura County

Seven carriers are on the 2027 roster in Ventura County. In alphabetical order:

• Aetna (CVS Health) — 2 plans (PPO)
• Alignment Health Plan — 12 plans (HMO, PPO; 7 Special Needs)
• Centene (WellCare) — 1 plan (HMO)
• Central Health Medicare Plan — 2 plans (HMO; 1 Special Needs)
• Elevance Health (Anthem) — 4 plans (HMO, HMO-POS, PPO; 2 Special Needs)
• Gold Coast Health Plan — 1 plan (HMO; 1 Special Needs)
• Humana — 5 plans (HMO; 1 Special Needs)
• Imperial Health Plan of California, Inc. — 3 plans (HMO; 1 Special Needs)
• Kaiser Permanente — 3 plans (HMO; 1 Special Needs)
• SCAN Health Plan — 2 plans (HMO; 1 Special Needs)

The full plan-by-plan breakdown — every plan name, its type and its drug-coverage status — appears in the table below.

What the plan types mean

The letters after each plan tell you how it is structured:

• HMO (Health Maintenance Organization): You generally pick a primary care doctor and use in-network providers, except for emergencies.
• HMO-POS (Point of Service): An HMO that allows some out-of-network care, usually at a higher cost.
• PPO (Preferred Provider Organization): You can see out-of-network providers, usually at higher cost-sharing.
• SNP (Special Needs Plan): Designed for people who qualify by a specific condition (C-SNP), by having both Medicare and Medicaid/Medi-Cal (D-SNP), or by living in an institution. In Ventura County, both C-SNPs and D-SNPs appear on the 2027 list.

Because SNPs have eligibility rules, not everyone can enroll in one. Check the plan's own materials or the Plan Finder to confirm you qualify.

Drug coverage and the 2027 Part D rules

Every Medicare Advantage plan on the Ventura County list for 2027 is an MA-PD, meaning drug coverage is bundled in. A few program-level facts apply across Part D in 2027:

• The Part D annual out-of-pocket cap is $2,100 in 2026.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027) (plans can set a lower one).
• The old "donut hole" coverage gap is gone as of 2025; there are now three phases.
• The Medicare Prescription Payment Plan lets you spread your drug costs across the year in monthly installments instead of paying at the pharmacy counter. It's optional and free to opt into.
• Higher-income enrollees may pay an IRMAA surcharge; for a single filer in 2026, IRMAA begins above $109,000 in income.

Specific formularies, tiers and copays vary by plan, so check each plan's drug list before deciding.

Key dates to keep in mind

• Annual Enrollment Period: Oct. 15 – 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 – March 31. If you're already in a Medicare Advantage plan, you can switch to another MA plan or go back to Original Medicare (and add a Part D plan) once during this window.
• Special Enrollment Periods may apply if you move, lose other coverage, or qualify for certain programs.

How to compare plans for your situation

Because we can't discuss specific plan premiums, copays, networks or ratings here, the best next step is to run your own numbers:

1. Go to medicare.gov/plan-compare and enter your Oxnard ZIP code. 2. Add your prescription drugs and preferred pharmacies. 3. Check whether your doctors are in each plan's network. 4. Compare total estimated yearly costs — not just the monthly premium.

For free, unbiased help, contact California's State Health Insurance Assistance Program (SHIP), known locally as HICAP (Health Insurance Counseling and Advocacy Program). Ventura County residents can reach HICAP through the California Department of Aging. You can also call 1-800-MEDICARE (1-800-633-4227), 24/7.