Top-Rated Medicare Advantage Plans in Santa Cruz County, AZ for 2027
UnitedHealthcare, Alignment Health Plan and Humana have 2027 plans in Santa Cruz County rated 4 stars or higher by Medicare in the 2027 CMS Star Ratings.
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2027 CMS Star Ratings
Top-rated Medicare Advantage plans in Santa Cruz County (2027 CMS Star Ratings)
Of the 28 Medicare Advantage plans offered in Santa Cruz County for 2027, 0 are rated 5 stars, 1 is rated 4.5 stars and 13 are rated 4 stars in the 2027 CMS Star Ratings.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| UHC Complete Care Support AZ-1A (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | 4.5 out of 5 |
| AARP Medicare Advantage from UHC AZ-0008 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC AZ-0010 (PPO) | UnitedHealthcare | PPO | 4 out of 5 |
| AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) | UnitedHealthcare | HMO-POS | 4 out of 5 |
| Alignment Health Heart & Diabetes 003 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 4 out of 5 |
| Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 4 out of 5 |
| Alignment Health Heart & Diabetes Plus 007 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 4 out of 5 |
| Alignment Health ONE + Walgreens 002 (HMO) | Alignment Health Plan | HMO | 4 out of 5 |
| Alignment Health Smart 005 (HMO) | Alignment Health Plan | HMO | 4 out of 5 |
| DEVOTED C-SNP PLUS 027 AZ (HMO C-SNP) | Devoted Health | HMO C-SNP | 4 out of 5 |
| DEVOTED CORE 007 AZ (HMO) | Devoted Health | HMO | 4 out of 5 |
| Humana Essentials Plus Giveback (PPO) | Humana | PPO | 4 out of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4 out of 5 (health plan rating) |
| HumanaChoice H5216-263 (PPO) | Humana | PPO | 4 out of 5 |
| AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) | UnitedHealthcare | PPO | 3.5 out of 5 (health plan rating) |
| Banner Medicare Advantage Dual (HMO D-SNP) | Banner Medicare Advantage | HMO D-SNP | 3.5 out of 5 |
| Banner Medicare Advantage Dual (HMO D-SNP) | Banner Medicare Advantage | HMO D-SNP | 3.5 out of 5 |
| DEVOTED CHOICE 002 AZ (PPO) | Devoted Health | PPO | 3.5 out of 5 |
| DEVOTED CHOICE GIVEBACK 006 AZ (PPO) | Devoted Health | PPO | 3.5 out of 5 |
| DEVOTED CHOICE MA ONLY 005 AZ (PPO) | Devoted Health | PPO | 3.5 out of 5 (health plan rating) |
| UHC Dual Complete AZ-S001 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 3.5 out of 5 |
| UHC Dual Complete AZ-YL (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | 3.5 out of 5 |
| Wellcare Simple (HMO) | Centene (WellCare) | HMO | 3.5 out of 5 |
| Wellpoint Medicare Advantage (HMO-POS) | Elevance Health (Anthem) | HMO-POS | 3.5 out of 5 |
| HumanaChoice R7220-001 (Regional PPO) | Humana | PPO | 3 out of 5 (health plan rating) |
| HumanaChoice R7220-002 (Regional PPO) | Humana | PPO | 3 out of 5 |
| Mercy Care Advantage (HMO D-SNP) | Mercy Care Advantage | HMO D-SNP | 3 out of 5 |
| Wellcare Arizona Complete Health Dual Liberty Sync (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3 out of 5 |
A plan without Part D drug coverage has no overall rating; its Part C summary rating (health plan rating) is shown instead, as CMS does.
Compare plans for your ZIP code in Medicare's Plan Finder on Medicare.gov.
What Medicare Star Ratings measure
CMS rates every Medicare Advantage contract from 1 to 5 stars each year. For 2027, the health plan (Part C) rating looks at five areas: staying healthy (screenings, tests and vaccines), managing chronic (long-term) conditions, members' experience with the plan, member complaints and changes in the plan's performance, and the plan's customer service. A plan with drug coverage is also rated on four drug plan (Part D) areas: customer service, member complaints and changes in performance, members' experience, and drug safety and accuracy of drug pricing.
The scores come from member surveys, information plans and providers report, and Medicare's own data such as complaints and appeals. The overall rating combines the health and drug plan measures; a plan without drug coverage has a Part C summary rating instead. Ratings are given per contract, so every plan under the same contract carries the same stars.
The 5-star Special Enrollment Period
Medicare's 5-star Special Enrollment Period lets you switch, once, to a plan with a 5-star overall rating that is offered where you live, outside the usual enrollment periods. For plans rated 5 stars for 2027, it runs from December 8, 2026 through November 30, 2027.
In Santa Cruz County, no plan has a 5-star overall rating for 2027, so this window does not apply here; the Annual Enrollment Period, October 15 through December 7, does.
If you switch from a plan with drug coverage to a 5-star plan without it, you could lose your drug coverage, so check before you switch.
Every year, Medicare evaluates plans based on a 5-star rating system.
These ratings are CMS's, not ours, and we do not recommend plans. A rating does not tell you whether a plan covers your doctors and drugs or what it charges.
Source: CMS 2027 Star Ratings Data Tables (Summary Ratings), released October 8, 2026; plans offered: CMS CY2027 Medicare Advantage Landscape file.
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