Medicare Advantage
Kaiser Permanente's 2027 Medicare Advantage plans in San Jose: what to check before Dec. 7
San Jose, Calif. — Fall 2026. If you have a Kaiser Permanente Medicare Advantage plan in San Jose, or you are weighing one for next year, the 2027 lineup is now set. Kaiser Permanente will offer three Medicare Advantage plans in Santa Clara County, the county San Jose sits in, for the plan year that begins January 1, 2027. One of its 2026 plans is not coming back, and no plans are being added or renamed. Any change you want to make for 2027 needs to be in by December 7, 2026, the end of Medicare's Annual Enrollment Period.
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Key takeaways
- Kaiser Permanente will offer 3 Medicare Advantage plans in Santa Clara County in 2027, all HMO, all with drug coverage, and 1 is a Dual Eligible Special Needs Plan (D-SNP).
- Compared with 2026, 1 Kaiser Permanente plan is not returning for 2027, with no new or renamed plans; your Annual Notice of Change (ANOC) spells out what shifts in the plan you have.
- You have until December 7, 2026 to switch, join or drop a plan for coverage that starts January 1, 2027; if you do nothing, your current plan renews if it is offered next year.
- Nine other carriers also sell Medicare Advantage plans in Santa Clara County for 2027 (36 plans in all), so Kaiser Permanente is one option among several.
MyMedicarePlans.org is an independent consumer site; we are not Kaiser Permanente and not Medicare. The plan counts here come from the CMS Medicare Advantage Landscape Source Files for 2026 and 2027.
What Kaiser Permanente is offering in San Jose for 2027
For the 2027 plan year, Kaiser Permanente's Santa Clara County lineup is:
- Kaiser Permanente Dual Complete North P23 (HMO D-SNP)
- Kaiser Permanente Sr Adv Basic Santa Clara (HMO)
- Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO)
All three are HMOs, all three include Part D prescription drug coverage, and one — Dual Complete North P23 — is a Dual Eligible Special Needs Plan, designed for people who have both Medicare and Medi-Cal. The table below lists every plan with its plan type and drug coverage detail.
Per CMS rules, we cannot publish premiums, copays, deductibles, networks, drug lists or star ratings here. Those live on the official Medicare Plan Finder at medicare.gov and in each plan's Evidence of Coverage.
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 Santa Clara County
(MA penetration in Santa Clara 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.
What is changing from 2026
Year over year, Kaiser Permanente is offering one fewer Medicare Advantage plan in Santa Clara County: 1 plan is not returning for 2027, and there are 0 new plans and 0 renamed plans.
If the Kaiser Permanente plan you have now is on next year's list, it will renew automatically on January 1, 2027 — but it may not be identical. Every Medicare Advantage member gets an Annual Notice of Change (ANOC) by the end of September. It is the single most useful document in this process: it shows, side by side, what your premium, deductible, copays, drug tiers and extra benefits will look like next year compared with this year. Read it before you decide to stay or switch.
If your current plan is the one not returning, Kaiser Permanente will send a non-renewal notice explaining your options and your special enrollment rights.
Special Needs Plans and drug coverage
Two things to know about the 2027 Kaiser Permanente lineup in Santa Clara County:
- One D-SNP. Dual Eligible Special Needs Plans are built for people enrolled in both Medicare and Medi-Cal. If you are not dual-eligible, you cannot enroll in a D-SNP.
- All three plans include Part D. You would not need a separate standalone drug plan with any of them.
A few 2027 Part D figures CMS has already confirmed, which apply to any Medicare drug coverage next year:
- The Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026).
- The Part D maximum deductible is $700 in 2027 (up from $615 in 2026).
- The Medicare Prescription Payment Plan, which lets you spread drug costs across the year in monthly bills, continues in 2027.
CMS has not yet published the 2027 Part B standard premium and deductible, or the 2027 IRMAA income brackets. Those usually come out in the fall — watch medicare.gov rather than relying on estimates.
How to check a plan against your doctors and prescriptions before Dec. 7
Before you pick any Medicare Advantage plan — Kaiser Permanente or otherwise — do these four checks:
1. Pull up your ANOC. If you are already enrolled, read what is changing for 2027 in the plan you have. 2. Confirm your doctors and hospitals. Kaiser Permanente HMOs use the Kaiser Permanente care system; check that the clinics and specialists you want to see are included for 2027. Call the plan or check its online directory. 3. Price-check your prescriptions. Enter your drugs, doses and preferred pharmacy into the Medicare Plan Finder at medicare.gov/plan-compare. It will show each plan's covered drug list (formulary) and what you would pay by tier. 4. Think about the whole year, not the sticker price. Premium, deductible, copays, drug costs and the $2,400 out-of-pocket drug cap in 2027 all matter together.
If you want to talk it through with a human, 1-800-MEDICARE is open 24/7.
The dates to remember
- October 15 – December 7, 2026: Medicare Annual Enrollment Period. Any switch, join or drop made in this window starts January 1, 2027.
- January 1 – March 31, 2027: Medicare Advantage Open Enrollment Period. If you are already in an MA plan on January 1, you get one chance to switch to a different MA plan or go back to Original Medicare.
Doing nothing is a valid choice if your plan is returning and the ANOC changes work for you — your coverage simply renews.
2027 plan lineup
Kaiser Permanente Medicare Advantage plans in Santa Clara County for 2027
CMS lists 3 Kaiser Permanente Medicare Advantage plans in Santa Clara County for 2027, alphabetically by carrier. 9 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Kaiser Permanente 3 plans | |||
| Kaiser Permanente Dual Complete North P23 (HMO D-SNP) | HMO D-SNP | Yes | Returning |
| Kaiser Permanente Sr Adv Basic Santa Clara (HMO) | HMO | Yes | Returning |
| Kaiser Permanente Sr Adv Enhanced Santa Clara (HMO) | HMO | 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 Kaiser Permanente Medicare Advantage plans in Santa Clara 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
How many Medicare Advantage plans will Kaiser Permanente offer in San Jose for 2027?
What happens if the Kaiser Permanente plan I have now is not being offered in 2027?
Do I have to do anything by December 7 if I want to keep my plan?
Can I enroll in a Kaiser Permanente D-SNP if I only have Medicare?
- 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 Jose
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This page was last updated: October 2026.