Medicare Advantage

UnitedHealthcare's 2027 Medicare Advantage plans in San Francisco, plan by plan

San Francisco, Calif. — Fall 2026 is the window when Medicare's Annual Enrollment Period opens, and UnitedHealthcare will offer two Medicare Advantage plans in San Francisco County for 2027. The lineup is unchanged in count: no UnitedHealthcare plans are leaving the county, none are new, and none have been renamed for 2027. That makes this a good year to focus less on headlines and more on the Annual Notice of Change (ANOC) that arrives in the mail — the booklet that spells out what is different about your current plan next year.

MyMedicarePlans.org is an independent consumer site. We are not UnitedHealthcare, and we are not Medicare. We are publishing this plan-by-plan snapshot so you can see what is on offer in your county and check it against your own doctors and prescriptions before the December 7, 2026 deadline.

How many UnitedHealthcare Medicare Advantage plans are offered in San Francisco for 2027?

UnitedHealthcare offers 2 Medicare Advantage plans in San Francisco County for 2027. San Francisco is both a city and a county, so the plans sold to city residents are the plans CMS lists at the county level.

Both plans are HMO-POS (Health Maintenance Organization with a Point-of-Service option), and both include Part D prescription drug coverage. One of the two is a Chronic Condition Special Needs Plan (C-SNP), which is designed for people living with a qualifying chronic condition. The table below lists every UnitedHealthcare plan in the county with its plan type and whether it includes drug coverage.

What UnitedHealthcare plans are available in San Francisco County in 2027?

For 2027, UnitedHealthcare's two plans in San Francisco County are:

• AARP Medicare Advantage from UHC CA-9 (HMO-POS), with drug coverage
• UHC Complete Care Support CA-8AP (HMO-POS C-SNP), with drug coverage

We can't publish premiums, copays, provider networks, drug formularies or star ratings here — those details change, and the only place to see them accurately for your situation is the Medicare Plan Finder at medicare.gov or the plan's own Evidence of Coverage.

What is new or not returning from UnitedHealthcare in San Francisco for 2027?

Nothing is leaving, nothing is brand new, and nothing has been renamed in UnitedHealthcare's San Francisco County lineup for 2027. The carrier is bringing the same two plans back.

That does not mean the plans themselves are identical to their 2026 versions. Each year, every Medicare Advantage plan sends current members an Annual Notice of Change (ANOC) in September. The ANOC lists next year's premium, deductible, copays, drug tiers, provider network changes and extra benefits. If you are enrolled in either UnitedHealthcare plan today, read that booklet before December 7, 2026.

How do I check a plan against my doctors and prescriptions before December 7?

Use the Medicare Plan Finder at medicare.gov — it is the only tool that pulls each plan's current provider network and drug formulary in one place. You can also call 1-800-MEDICARE, available 24 hours a day, 7 days a week.

A simple checklist:

1. Make a list of every prescription you take, the dose, and how often. 2. Make a list of the doctors, specialists and hospitals you want to keep using. 3. On medicare.gov, enter your ZIP code and your drug list. The Plan Finder will show each plan's estimated yearly drug cost and whether your pharmacy is in network. 4. On each plan's detail page, use the "Find providers" link to confirm your doctors are in network for 2027 (not just 2026). 5. If you have questions, call the plan directly using the number on medicare.gov, or call 1-800-MEDICARE.

Networks and formularies can change on January 1, so a doctor or drug that is covered in 2026 may be handled differently in 2027. Check for the 2027 plan year, not the current one.

What are the 2027 Medicare dates and dollar figures I should know?

The Annual Enrollment Period runs October 15 through December 7, 2026, and any change you make takes effect January 1, 2027. If you do nothing, your current plan renews for 2027 as long as it is still offered, with the changes described in your ANOC.

A few 2027 program-level figures CMS has already published:

• The Part D out-of-pocket cap rises to $2,400 in 2027 (it is $2,100 in 2026).
• The Part D maximum deductible rises to $700 in 2027 (it is $615 in 2026).
• The Part D national base beneficiary premium for 2027 is $41.33 — this is a formula input, not what any specific plan charges.

CMS typically announces the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, later in the fall. We will not estimate those figures here.

If you miss December 7, there is still the Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, during which someone already in a Medicare Advantage plan can switch to another MA plan or back to Original Medicare one time.

Does UnitedHealthcare offer the only Medicare Advantage plans in San Francisco County?

No. For 2027, 11 other carriers also offer Medicare Advantage plans in San Francisco County, and in total there are 46 Medicare Advantage plans available across the county. This article covers one carrier's slice of that market because that is its focus; it is not a comparison or ranking.