Medicare Advantage

Santa Rosa's 2027 Medicare Advantage choices: 13 plans from 5 carriers, side by side

People in Santa Rosa can choose from 13 Medicare Advantage plans for 2027, against 9 this year. Two of this year’s plans are gone, 6 are new to Sonoma County, and 3 that continue have changed their premium, deductible, plan type or name.

In Santa Rosa, shoppers comparing Medicare Advantage coverage for 2027 have a defined menu to work through: 13 plans from five carriers. Santa Rosa is in Sonoma County, and because Medicare Advantage availability is set at the county level, that same lineup is what any Sonoma County resident sees on the Medicare Plan Finder.

The table below lists every plan available for 2027, grouped by carrier, with each plan's type (HMO or PPO) and a note on drug coverage. This article walks through how to read that list — not which plan to pick. Cost, network and star-rating details live on medicare.gov and in each plan's own documents.

What the 2027 Santa Rosa lineup looks like

Sonoma County's 2027 Medicare Advantage landscape includes 13 plans across 5 carriers. Some plans are Special Needs Plans, which are limited to people who meet specific eligibility rules — for example, having both Medicare and Medi-Cal (a D-SNP), or a qualifying chronic condition (a C-SNP).

Alphabetically by carrier, the four insurers on the 2026 list are:

• Alignment Health Plan — 2 plans (one HMO, one PPO)
• Elevance Health (Anthem) — 1 plan (a PPO, and a Special Needs Plan)
• Imperial Health Plan of California, Inc. — 3 plans (all HMO, including one Special Needs Plan)
• Kaiser Permanente — 3 plans (all HMO, including one Special Needs Plan)

The plan-by-plan detail — names, plan type, and drug coverage status — is in the table below.

How to read the list

A few labels do a lot of work on the roster:

• HMO plans generally ask you to use in-network doctors and hospitals and to pick a primary care doctor who refers you to specialists.
• PPO plans usually let you go out of network, though at a higher cost.
• D-SNP (Dual Eligible Special Needs Plan) is for people with both Medicare and full Medi-Cal.
• C-SNP (Chronic Condition SNP) is for people with a qualifying chronic condition, such as diabetes.
• With drug coverage means Part D is built into the plan; you would not add a separate drug plan.

None of these labels tell you what a plan costs or what it covers in detail — that comes from the Plan Finder and the plan's Summary of Benefits and Evidence of Coverage.

Enrollment dates to keep in mind

Two windows matter for most people in Santa Rosa:

• Annual Enrollment Period (AEP): October 15 – December 7. You can join, switch, or drop a Medicare Advantage or Part D plan for the coming year.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you can switch to another Medicare Advantage plan or return to Original Medicare (and add a stand-alone Part D plan). Note that Sonoma County shows zero stand-alone Part D plans on the 2026 landscape data, so anyone considering that route should confirm current options on Medicare Plan Finder.

Special Enrollment Periods can apply if you move, lose other coverage, or qualify for Extra Help or Medicaid.

2027 program rules worth knowing

A few program-wide numbers apply no matter which plan you're comparing:

• Part D out-of-pocket cap: $2,100 in 2026 and $2,400 in 2027. Once your out-of-pocket drug spending hits that cap, you pay nothing for covered Part D drugs the rest of the year.
• Part D maximum deductible: $615 in 2026 and $700 in 2027. Plans can set a lower deductible; they can't go higher.
• No more "donut hole." As of 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan. This optional program lets you spread your drug costs across the calendar year in monthly payments instead of paying at the pharmacy counter.
• IRMAA. Higher-income beneficiaries pay a surcharge on Part B and Part D premiums; for a single filer in 2026, IRMAA begins above $109,000 in income.

Where the roster comes from

The 13-plan count and the plan names come from the CMS Medicare Advantage Landscape Source File for plan year 2027, which lists every Medicare Advantage and Part D plan offered in each U.S. county. Because it's county-level, the same 13 plans are available across Sonoma County, including Santa Rosa, Petaluma, Rohnert Park, Windsor and Sonoma. Individual plan details — premiums, deductibles, copays, drug formularies, provider networks and star ratings — are published separately on medicare.gov's Plan Finder and in each plan's official documents.