Medicare Advantage

Got a Non-Renewal Letter? Your San Bernardino Options

People in San Bernardino 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.

San Bernardino, Calif. — Medicare's Annual Enrollment Period runs Oct. 15 through Dec. 7, and the plan choices in San Bernardino County will look different in 2027. According to the CMS Medicare Advantage Landscape Source Files, 17 Medicare Advantage plans offered here in 2026 will not be back next year, 14 new plans are joining the county, and 20 plans are keeping the same insurer but changing their name. That means many local members will get a notice this fall that affects their coverage — and knowing what to look for now can save a stressful December.

San Bernardino is in San Bernardino County, where Medicare Advantage availability is set. So while this article talks about the city, the plan lineup applies to the whole county.

What is changing in San Bernardino County for 2027

Across the county, 61 Medicare Advantage plans are continuing into 2027 without a name change. Another 32 are continuing but show a change in premium, deductible, plan type or name in CMS's file — the specifics live in the Annual Notice of Change (ANOC) your carrier mails each fall.

One carrier, Central Health Medicare Plan, will not have any Medicare Advantage plans in San Bernardino County in 2027. If you are enrolled with them today, you will need to make a choice for next year.

The plans leaving after 2026

These 17 Medicare Advantage plans, listed by carrier, are not returning to San Bernardino County in 2027:

• Alignment Health Plan: Alignment Health Honor+ Plan (HMO); Alignment Health My Choice Select (HMO); Alignment Health the ONE (HMO)
• Astiva Health: Astiva Health Premier Plan (HMO)
• Centene (WellCare): Wellcare Giveback (HMO)
• Central Health Medicare Plan: 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 Heath Plan: Champion Select (HMO-POS C-SNP)
• Humana: Humana Gold Plus H5619-148 (HMO)
• Kaiser Permanente: Kaiser Permanente Dual Complete South P1 (HMO D-SNP)
• Molina Healthcare of California: Molina Medicare Choice Care (HMO)
• SCAN Health Plan: SCAN Affirm partnered with Included LGBTQ+ Health (HMO); SCAN MyChoice (HMO)

If you are in any of these plans, watch your mailbox in October for a non-renewal notice from your insurer. It will confirm your coverage ends Dec. 31, 2026 and outline your options.

The plans new for 2027

Fourteen Medicare Advantage plans are joining the San Bernardino County market next year:

• Aetna (CVS Health): Aetna Medicare Chronic Care (HMO C-SNP)
• Alignment Health Plan: Alignment Health Honor Plus 060 (HMO)
• Astiva Health: Astiva Health C-SNP Bloom (HMO C-SNP); Astiva Health C-SNP Fountain (HMO C-SNP)
• Champion Heath Plan: Champion Compass (HMO C-SNP); Champion Home (HMO C-SNP); Champion Secure (HMO C-SNP)
• Clever Care Health Plan: Clever Care Breathe Select+ (HMO C-SNP); Clever Care Total Choice+ (HMO C-SNP)
• Humana: Humana Gold Plus H5619-191 (HMO)
• Imperial Health Plan of California, Inc.: Imperial Flex (HMO C-SNP)
• SCAN Health Plan: SCAN Costco Medicare Advantage (HMO); SCAN Inclusive (HMO)
• VillageHealth: SCAN DaVita Dialysis Care (HMO-POS C-SNP)

Many of these are Chronic Condition Special Needs Plans (C-SNPs), which are designed for people with a qualifying condition such as diabetes, heart failure or a lung condition.

Renamed plans — same coverage family, new label

Twenty plans in the county are being renamed for 2027. The insurer stays the same, but the name on your card and paperwork will look different. Examples include Aetna renaming several HMO-POS plans to HMO plans of the same name, Alignment Health adding numeric identifiers (like "010" or "042") to many of its C-SNPs, Wellcare Dual Liberty becoming Wellcare Health Net Dual Liberty, and VillageHealth's plan becoming SCAN DaVita Dialysis Care Complete. The table below lists every 2026 plan alongside its 2027 name where applicable.

A renamed plan may still have changes to premium, deductible or benefits. That is why the ANOC matters — it is the one document that spells out how your specific plan is changing.

What you should do if your plan is affected

If your plan is on the "leaving" list:

1. Read the non-renewal letter your insurer sends. You'll get one if your plan is ending. 2. Compare other plans during the Annual Enrollment Period (Oct. 15 – Dec. 7) at medicare.gov/plan-compare or by calling 1‑800‑MEDICARE. 3. If you don't pick a new plan by Dec. 7, you can still use the Special Enrollment Period for non-renewals, which runs through the end of February 2027. You can also return to Original Medicare and add a stand-alone Part D plan. 4. If you don't choose anything, you'll typically be returned to Original Medicare on Jan. 1 — with no drug coverage unless you add a Part D plan.

If your plan is continuing or being renamed, read the ANOC anyway. It will tell you about any premium, deductible or benefit changes for 2027, and whether your doctors and medications are still covered.

A few program facts worth remembering

These apply nationally, not just in San Bernardino:

• Part D has a $2,100 out-of-pocket cap in 2026.
• The Part D maximum deductible is $615.
• The coverage gap ("donut hole") has been eliminated since 2025 — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments.
• IRMAA surcharges start above $109,000 in income for a single filer in 2026.
• Medicare Advantage Open Enrollment (Jan. 1 – March 31) lets current Advantage members make one switch after AEP ends.