Medicare Advantage

Got a non-renewal letter in Stockton? The 14 Medicare Advantage plans ending in 2027

For 2027, Stockton is looking at 39 Medicare Advantage plans: 9 new, 14 gone since 2026, and 30 still here but changed on premium, deductible, plan type or name, 11 of them under a new name. Below, how the lineup shifted in San Joaquin County and what to compare, with no plan ranked or recommended.

STOCKTON, Calif. — If you opened your mailbox this fall and found a letter saying your Medicare Advantage plan will not be offered next year, you are not alone. In San Joaquin County, the county Stockton sits in, 14 Medicare Advantage plans on offer for 2026 are not returning for 2027, according to the CMS Medicare Advantage Landscape Source Files for the current and coming plan years.

That letter is called a non-renewal notice, and it changes what you need to do between now and the end of the Annual Enrollment Period on December 7, 2026.

Which Medicare Advantage plans are not returning in Stockton for 2027?

Fourteen Medicare Advantage plans offered in San Joaquin County in 2026 do not appear in the CMS 2027 Landscape file for the county. In alphabetical order by carrier, the plans not returning are:

• Alignment Health Freedom (PPO) — Alignment Health Plan
• Alignment Health Honor+ Plan (HMO) — Alignment Health Plan
• Alignment Health My Choice (PPO) — Alignment Health Plan
• Wellcare Health Net Dual Align (HMO D-SNP) — Centene (WellCare)
• Wellcare Simple (HMO) — Centene (WellCare)
• Central Health Classic Care Plan III (HMO) — Central Health Medicare Plan
• Central Health Dual Access Plan (HMO D-SNP) — Central Health Medicare Plan
• Central Health Embrace Care Plan (HMO C-SNP) — Central Health Medicare Plan
• Central Health Embrace Choice Plan (HMO C-SNP) — Central Health Medicare Plan
• Central Health Valor Care Plan (HMO) — Central Health Medicare Plan
• Anthem Kidney Care (PPO C-SNP) — Elevance Health (Anthem)
• Anthem Medicare Advantage (HMO-POS) — Elevance Health (Anthem)
• Anthem Prime (HMO-POS) — Elevance Health (Anthem)
• SCAN MyChoice (HMO) — SCAN Health Plan

For 2027, San Joaquin County will have 39 Medicare Advantage plans offered from 11 carriers, down from 44 plans and 12 carriers in 2026. The table below lists every plan still being offered.

How can I tell if my Stockton Medicare Advantage plan is ending?

The clearest sign is a plan non-renewal letter in the mail, which carriers are required to send if they will not offer your plan in the county in 2027. These letters typically go out in early October, before the Annual Enrollment Period begins on October 15, 2026.

The notice will say that your current plan will end on December 31, 2026, explain that you will be moved to Original Medicare on January 1, 2027 if you do nothing, and point you to other choices. It is different from the Annual Notice of Change (ANOC), which is the booklet you get when your plan IS renewing but with changes for the new year.

If you are not sure which letter you received, check the first page for the words "will not be offered" or "non-renewal." You can also confirm by looking for your plan by name in the list above, or by calling the plan or 1-800-MEDICARE.

What happens if I do nothing after a non-renewal in Stockton?

If your plan is not returning and you do not pick a new one, you will be enrolled in Original Medicare — Part A (hospital) and Part B (medical) — starting January 1, 2027. Your Medicare Advantage coverage simply ends on December 31, 2026.

Two things to know about that default:

• Original Medicare does not include Part D prescription drug coverage. If you want drug coverage, you need to actively enroll in a standalone Part D plan.
• Original Medicare has no yearly out-of-pocket maximum on Part A and Part B services. Many people pair it with a Medicare Supplement (Medigap) policy to help with those costs.

The Part D program-level figures confirmed for 2027 are an out-of-pocket cap of $2,400 (up from $2,100 in 2026) and a maximum deductible of $700 (up from $615 in 2026). The 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets, have not yet been announced; CMS typically publishes them later in the fall.

What are my choices and when is the Special Enrollment Period?

When your Medicare Advantage plan is non-renewed, Medicare gives you a Special Enrollment Period (SEP) that runs from December 8, 2026 through the end of February 2027. During that window you can:

• Join a different Medicare Advantage plan (with or without drug coverage) offered in San Joaquin County for 2027.
• Return to Original Medicare and add a standalone Part D prescription drug plan.
• Apply for a Medicare Supplement (Medigap) policy. Under federal rules, a plan non-renewal triggers a Medigap guaranteed-issue right, meaning certain Medigap policies must be sold to you without medical underwriting within a set window. California has its own additional Medigap rules, so for state-specific details, contact the California Department of Insurance.

You do not have to wait for the SEP. You can also make a change during the regular Annual Enrollment Period, which runs October 15 – December 7, 2026, with coverage starting January 1, 2027.

For 2027, San Joaquin County has 39 Medicare Advantage plans from 11 carriers to choose from, including HMO, HMO-POS, PPO and Special Needs Plan options. There are also 9 new plans and 11 renamed plans in the county for 2027; the ANOC and Plan Finder have the specifics.

Where should I compare plans in Stockton for 2027?

Go to medicare.gov and use the Plan Finder, which lets you enter your ZIP code, your prescriptions and your preferred pharmacies to see what each plan would cost and cover for you. The Plan Finder is the official, personalized tool — it is the only place where plan premiums, drug prices and provider networks are shown together for your situation.

You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week, to talk through your options or confirm whether a plan is being offered in San Joaquin County for 2027.