Medicare Advantage

Kaiser Permanente's 2027 Medicare Advantage plans in San Francisco: the full lineup

San Francisco — As fall 2026 open enrollment gets underway, San Francisco residents who have a Kaiser Permanente Medicare Advantage plan — or are weighing one — can now see the carrier's full 2027 lineup for the county. Kaiser Permanente is offering three Medicare Advantage plans in San Francisco County for 2027, the same count it offered for 2026, with no plans leaving and no new plans added.

This article walks through what that lineup looks like, how to tell which plan fits your doctors and prescriptions, and the dates that matter before December 7, 2026. MyMedicarePlans.org is an independent consumer site, not Kaiser Permanente and not Medicare.

What Kaiser Permanente is offering in San Francisco for 2027

San Francisco is in San Francisco County, where Medicare Advantage availability is set at the county level. For 2027, Kaiser Permanente's three plans in the county are all HMOs, all include prescription drug coverage, and one is a Dual Special Needs Plan designed for people who have both Medicare and Medi-Cal.

The three Kaiser Permanente plans for 2027 are:

• Kaiser Permanente Dual Complete North P19 (HMO D-SNP)
• Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO)
• Kaiser Permanente Senior Advantage Basic SF (HMO)

The table below lists every plan on this page. Costs, copays, provider networks, drug formularies and star ratings vary by plan and change year to year, so this article does not list them — the Medicare Plan Finder at medicare.gov does, and so does each plan's Evidence of Coverage.

What's new, what's not returning

For 2027, Kaiser Permanente has 0 new plans in San Francisco County, 0 plans not returning, and 0 renamed plans. That means the lineup looks the same on paper — but that is not the same as "nothing has changed."

Every Medicare Advantage plan sends members an Annual Notice of Change (ANOC) each fall. The ANOC spells out what is different for the coming year: premium, deductible, drug tier changes, copays for office visits, out-of-pocket maximum, and sometimes the provider network or extra benefits. If your ANOC arrived in September, that is the document to read before December 7.

Special Needs Plans and drug coverage

One of Kaiser Permanente's three San Francisco plans is a D-SNP (Dual Special Needs Plan). D-SNPs are limited to people who qualify for both Medicare and Medicaid (called Medi-Cal in California). Kaiser Permanente does not offer a Chronic Condition SNP (C-SNP) or an Institutional SNP (I-SNP) in the county for 2027.

All three Kaiser Permanente plans include Part D prescription drug coverage. For 2027, CMS has confirmed:

• The Part D annual out-of-pocket cap rises to $2,400 (up from $2,100 in 2026).
• The Part D maximum deductible rises to $700 (up from $615 in 2026).
• The national base beneficiary premium for Part D is $41.33 — that is a formula input used across the program, not what any single plan charges.

The coverage gap ("donut hole") has been gone since 2025, so Part D now has three phases: deductible, initial coverage, and catastrophic (where your spending stops at the cap).

How to check a plan against your doctors and prescriptions

Before December 7, 2026, three steps will tell you most of what you need to know:

1. Read your ANOC. Mark anything that changed — the premium, your drug tier, your primary care copay, and the out-of-pocket maximum. 2. Open the Medicare Plan Finder at medicare.gov. Enter your ZIP code and your prescriptions exactly as you take them (dose and frequency), and the tool will show each plan's estimated yearly drug cost and whether a drug is covered. 3. Check your doctors. HMO plans typically require you to use in-network providers except in emergencies. Confirm your primary care doctor and any specialists are in-network for the specific plan you're considering — the plan's own online directory is the authoritative source, and a quick call to the clinic to confirm the plan name helps too.

If you'd rather talk to a person, 1-800-MEDICARE (TTY 1-877-486-2048) is open 24 hours a day, 7 days a week.

The rest of the San Francisco market, in context

Kaiser Permanente is one of 12 carriers offering Medicare Advantage plans in San Francisco County for 2027. All carriers together offer 46 plans in the county next year. We note this so you know the full field exists; this article focuses on Kaiser Permanente because that is the carrier you came here to read about.

Dates to keep in mind

• October 15 – December 7, 2026: Annual Enrollment Period. Any change you make takes effect January 1, 2027.
• January 1 – March 31, 2027: Medicare Advantage Open Enrollment. If you're already in a Medicare Advantage plan on January 1, you can switch to a different MA plan or go back to Original Medicare once during this window.
• Fall 2026: CMS is expected to publish the 2027 Part B standard premium and deductible and the 2027 IRMAA income brackets, usually in November. Those figures are not yet announced.

If you do nothing during the Annual Enrollment Period, your current plan simply renews for 2027 as long as it is offered again — with the changes described in the ANOC.