Medicare Advantage

Torrance's 2027 Medicare Advantage lineup, carrier by carrier

For 2027, Torrance is looking at 124 Medicare Advantage plans: 26 new, 23 gone since 2026, and 61 still here but changed on premium, deductible, plan type or name, 23 of them under a new name. Below, how the lineup shifted in Los Angeles County and what to compare, with no plan ranked or recommended.

2027 plan lineupTorrance, CA

TORRANCE, Calif. — With the Medicare Annual Enrollment Period open from Oct. 15 through Dec. 7, 2026, shoppers in Torrance are getting their first clear look at the Medicare Advantage lineup that will take effect Jan. 1, 2027. Torrance sits in Los Angeles County, which continues to be one of the most crowded Medicare Advantage markets in the country — with plans coming from a long list of national insurers, regional plans and locally grown carriers.

This piece walks through that lineup carrier by carrier, so you can see who is offering plans in the county and what plan types (HMO, HMO-POS, PPO, and Special Needs Plans) they are bringing. The full table on this page lists every plan by name; the goal here is to help you make sense of it.

Who sells Medicare Advantage in the Torrance area

Medicare Advantage availability is set at the county level. Torrance is in Los Angeles County, where 21 carriers participate in Medicare Advantage. Listed alphabetically, they are:

Aetna (CVS Health), AHF, Align Senior Care, Alignment Health Plan, Astiva Health, Blue Shield of California, Centene (WellCare), Central Health Medicare Plan, Champion Health Plan, Clever Care Health Plan, Elevance Health (Anthem), Elite Health Plan, Humana, Imperial Health Plan of California, Kaiser Permanente, L.A. Care Health Plan, Molina Healthcare of California, SCAN Health Plan, UCLA Health Medicare Advantage Plan, UnitedHealthcare, and VillageHealth.

Together they offer 121 Medicare Advantage plans in the county. All 121 include prescription drug coverage. The table below lists every plan by carrier and type.

The lineup by plan type

Los Angeles County's Medicare Advantage plans break down by type as follows:

• HMO: 89 plans
• HMO-POS: 24 plans
• PPO: 8 plans

HMOs are the most common shape in this market. HMO-POS plans work like HMOs but allow some care outside the network under set rules. PPOs give more flexibility to see out-of-network providers, usually at a higher share of the cost. Which format fits you depends on your doctors, your travel habits, and how much you value network flexibility versus lower in-network costs.

Special Needs Plans (SNPs)

Special Needs Plans are Medicare Advantage plans built for people with a specific situation: those who also have Medi-Cal (D-SNP), those living with certain chronic conditions like diabetes, heart disease or kidney disease (C-SNP), or those needing an institutional level of care (I-SNP).

Of the 121 Medicare Advantage plans in Los Angeles County, 47 are Special Needs Plans. Carriers offering at least one SNP in the county include AHF, Align Senior Care, Alignment Health Plan, Astiva Health, Blue Shield of California, Centene (WellCare), Central Health Medicare Plan, Champion Health Plan, Clever Care Health Plan, Elevance Health (Anthem), Imperial Health Plan of California, Kaiser Permanente, L.A. Care Health Plan, Molina Healthcare of California, SCAN Health Plan, UnitedHealthcare, and VillageHealth. If you qualify for a SNP, you generally cannot join a plan whose eligibility rules do not fit you — check the plan details before enrolling.

How the biggest carriers are showing up

By plan count, the largest lineups in Los Angeles County come from Alignment Health Plan (19), SCAN Health Plan (14) and Elevance Health/Anthem (13). Aetna and UnitedHealthcare each have 8 plans in the county. Humana, Central Health Medicare Plan and Champion Health Plan each have 7. Centene (WellCare) has 6. Blue Shield of California has 5. Kaiser Permanente, Clever Care Health Plan and Astiva Health each have 4. The remaining carriers listed above offer between 1 and 3 plans each.

A larger plan count is not the same as a better fit. What matters is whether your doctors and preferred hospitals are in a plan's network, whether your medicines are on its formulary, and how the plan handles the services you use most.

What to do if your plan is not returning in 2027

Not every plan renews every year. If your Medicare Advantage plan is not being offered for 2027, your insurer must send you a non-renewal notice, and Medicare gives you a Special Enrollment Period to choose a different plan without waiting for the next open enrollment. You can also return to Original Medicare and, if you wish, add a stand-alone Part D drug plan.

If your plan is returning, you should still read the Annual Notice of Change (ANOC) that your insurer sends in the fall of 2026. That document spells out what is changing for 2027 — the premium, cost sharing, drug list, and extra benefits. If nothing about the changes bothers you, you do not have to do anything; your plan will simply renew on Jan. 1, 2027.

The 2027 numbers you can count on

A few program-wide 2027 figures are already set by CMS:

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

CMS has not yet published the 2027 Part B standard premium and deductible, or the 2027 IRMAA income brackets and surcharges. Those usually come out in November. Do not rely on projections you may see in the meantime.