Medicare Advantage
UnitedHealthcare's 2027 Medicare Advantage lineup in San Diego County: all 9 plans, side by side
San Diego, Fall 2026 — UnitedHealthcare is bringing nine Medicare Advantage plans back to San Diego County for 2027, the same count it offered this year, with three of them carrying new names on the paperwork. If you are enrolled in one of these plans, your Annual Notice of Change (ANOC) landed in your mailbox in late September, and you have until December 7, 2026 to decide whether to keep it, switch to a different UnitedHealthcare plan, pick a plan from another carrier, or move to Original Medicare. MyMedicarePlans.org is an independent consumer site, not UnitedHealthcare — and UnitedHealthcare is one of 15 carriers offering Medicare Advantage plans in the county next year.
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Key takeaways
- UnitedHealthcare is offering 9 Medicare Advantage plans in San Diego County for 2027: 1 HMO and 8 HMO-POS, including 2 Chronic Special Needs Plans (C-SNPs).
- No UnitedHealthcare plans are leaving the county for 2027 and no new ones are being added, but 3 are being renamed — the ANOC spells out any benefit or network changes.
- The Annual Enrollment Period runs October 15 through December 7, 2026; a choice you make in that window takes effect January 1, 2027.
- Before you pick, check each plan against your doctors and prescriptions using the Medicare Plan Finder at medicare.gov or by calling 1-800-MEDICARE.
| Fact | Figure | Source |
|---|---|---|
| Medicare Advantage plans offered in San Diego County (2026) | 93 | CMS |
| Medicare Advantage plans offered in San Diego County (2027) | 85 | CMS |
| Plans not returning for 2027 / new for 2027 | 26 / 18 | CMS |
| Organizations offering Medicare Advantage in San Diego County (2026) | 17 | CMS |
| Share of eligible beneficiaries in Medicare Advantage, San Diego County | 54% | CMS |
| Residents age 65 and older, San Diego County | 507,734 | U.S. Census Bureau |
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many UnitedHealthcare Medicare Advantage plans are offered in San Diego County for 2027?
UnitedHealthcare is offering 9 Medicare Advantage plans in San Diego County for 2027. By plan type, that is 1 HMO and 8 HMO-POS. Eight of the nine include Part D prescription drug coverage; one is offered without drug coverage.
The county's full 2027 Medicare Advantage market has 85 plans from 15 carriers in total, so UnitedHealthcare is one of several options a San Diego resident can consider. San Diego is in San Diego County, where plan availability is set at the county level — the plans listed here are the ones a San Diego resident is eligible to enroll in, but they are offered to anyone in the county.
The table on this page lists every UnitedHealthcare plan by name, type and whether it includes drug coverage.
What UnitedHealthcare plans are new, renamed or not returning in San Diego for 2027?
No UnitedHealthcare plans in San Diego County are being discontinued for 2027, and no brand-new UnitedHealthcare plans are being added. Three plans are being renamed:
- UHC Sharp Complete Care CA-15P (HMO-POS C-SNP) — was UHC Complete Care CA-15P
- UHC Sharp Complete Care Support CA-6AP (HMO C-SNP) — was UHC Complete Care Support CA-6AP
- UHC Sharp Medicare Advantage CA-026P (HMO-POS) — was AARP Medicare Advantage from UHC CA-026P
A rename on its own does not change what a plan covers, but it can be a signal that other things changed too. The Annual Notice of Change you received from UnitedHealthcare lists any 2027 adjustments to premium, deductibles, copays, drug list and provider network for your specific plan — that is the document to read before December 7.
What are the Special Needs Plans UnitedHealthcare offers in San Diego County for 2027?
UnitedHealthcare has 2 Chronic Condition Special Needs Plans (C-SNPs) in San Diego County for 2027: UHC Sharp Complete Care CA-15P (HMO-POS C-SNP) and UHC Sharp Complete Care Support CA-6AP (HMO C-SNP). It does not offer a Dual Eligible SNP (D-SNP) or Institutional SNP (I-SNP) in the county next year.
C-SNPs are designed for people living with specific chronic conditions, and enrollment requires a doctor's confirmation that you qualify. If you are not sure whether a C-SNP fits your situation, 1-800-MEDICARE or your doctor's office can walk you through the eligibility rules.
How do I check a UnitedHealthcare plan against my doctors and prescriptions before December 7?
Use the Medicare Plan Finder at medicare.gov — it is the official tool, and it lets you enter your prescriptions and preferred pharmacy, then shows each plan's drug list and estimated yearly cost. For provider networks, check two places: the Plan Finder's "Plan Details" link to the plan's directory, and the doctor's own office (ask whether they are in-network for the specific plan name and ID for 2027, not just "UnitedHealthcare").
A quick checklist before December 7, 2026:
1. Read your ANOC — the summary at the front shows what is changing. 2. List your current prescriptions with dose and frequency. 3. List the doctors, specialists and hospitals you want to keep. 4. Run those lists through Plan Finder for each plan you are considering. 5. Call 1-800-MEDICARE (24/7) if anything is unclear.
If you do nothing, your current plan renews on January 1, 2027 with the changes in the ANOC — assuming it is being offered next year, which, for every UnitedHealthcare plan in San Diego County, it is.
What is changing in Medicare Part D for 2027 that applies to these plans?
Two Part D figures confirmed by CMS for 2027 apply to every Medicare drug plan, including the eight UnitedHealthcare plans here that include drug coverage:
- The annual out-of-pocket cap for Part D rises to $2,400 in 2027, up from $2,100 in 2026. Once you hit that cap, you pay $0 for covered drugs for the rest of the year.
- The maximum Part D deductible rises to $700 in 2027, up from $615 in 2026. Plans may charge less than the maximum.
The 2027 Part B standard premium and the 2027 IRMAA income brackets have not been published yet — CMS typically announces them in November. The coverage gap ("donut hole") was eliminated in 2025, so Part D now has three phases: deductible, initial coverage, and catastrophic.
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 Diego County
(MA penetration in San Diego 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
UnitedHealthcare Medicare Advantage plans in San Diego County for 2027
CMS lists 9 UnitedHealthcare Medicare Advantage plans in San Diego County for 2027, alphabetically by carrier. 14 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| UnitedHealthcare 9 plans | |||
| AARP Medicare Advantage from UHC CA-0001 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC CA-0007 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage from UHC CA-0012 (HMO-POS) | HMO-POS | Yes | Returning |
| AARP Medicare Advantage Patriot No Rx CA-MA2 (HMO-POS) | HMO-POS | No | Returning |
| UHC Sharp Complete Care CA-15P (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | Renamed |
| UHC Sharp Complete Care Support CA-6AP (HMO C-SNP) | HMO C-SNP | Yes | Renamed |
| UHC Sharp Medicare Advantage CA-001P (HMO-POS) | HMO-POS | Yes | Returning |
| UHC Sharp Medicare Advantage CA-026P (HMO-POS) | HMO-POS | Yes | Renamed |
| UHC Sharp Medicare Advantage ValueRx CA-12P (HMO-POS) | HMO-POS | Yes | Returning |
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 UnitedHealthcare Medicare Advantage plans in San Diego 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
Do I need to do anything if I like my current UnitedHealthcare plan?
Can I switch to a different UnitedHealthcare plan during Annual Enrollment?
How do I find out if my doctor takes a specific UnitedHealthcare plan next year?
What is the difference between an HMO and an HMO-POS?
- 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 San Diego
Sources and methodology
- CMS, Medicare Advantage and Part D Landscape Source Files
- CMS, Medicare Advantage state/county penetration and enrollment files
- U.S. Census Bureau, American Community Survey (table B01001, age 65 and older)
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
Figures cited in this article
- CMS — Medicare Advantage Landscape Source Files, CY2026 and CY2027: UnitedHealthcare's plan counts, plan types, SNP counts and rename list for San Diego County.
- CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap and $700 maximum deductible.
- Medicare.gov: the Annual Enrollment Period dates and the Plan Finder tool.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Content Integrity Standards
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This page was last updated: October 2026.