Top-Rated Medicare Advantage Plans in San Francisco (San Francisco County) for 2027
Kaiser Permanente, SCAN Health Plan and Imperial Health Plan of California, Inc. have 2027 plans in San Francisco 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 San Francisco County (2027 CMS Star Ratings)
Of the 46 Medicare Advantage plans offered in San Francisco County for 2027, 0 are rated 5 stars, 3 are rated 4.5 stars and 12 are rated 4 stars in the 2027 CMS Star Ratings. 3 plans have no 2027 star score: CMS lists 2 “Not enough data available” and 1 “Plan too new to be measured”.
San Francisco County includes San Francisco. Plans are approved for the whole county, so the same plans are offered in all of it.
| Plan | Insurer | Plan type | 2027 overall rating |
|---|---|---|---|
| Kaiser Permanente Dual Complete North P19 (HMO D-SNP) | Kaiser Permanente | HMO D-SNP | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Alam., SF, Napa (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Kaiser Permanente Senior Advantage Basic SF (HMO) | Kaiser Permanente | HMO | 4.5 out of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | 4 out of 5 (health plan rating) |
| HumanaChoice H5525-087 (PPO) | Humana | PPO | 4 out of 5 |
| Imperial Dynamic Plan (HMO) | Imperial Health Plan of California, Inc. | HMO | 4 out of 5 |
| Imperial Flex (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP | 4 out of 5 |
| Imperial Senior Value (HMO C-SNP) | Imperial Health Plan of California, Inc. | HMO C-SNP | 4 out of 5 |
| SCAN Allied (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| SCAN Balance (HMO C-SNP) | SCAN Health Plan | HMO C-SNP | 4 out of 5 |
| SCAN Classic (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| SCAN Costco Medicare Advantage (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| SCAN Inclusive (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| SCAN Strive (HMO C-SNP) | SCAN Health Plan | HMO C-SNP | 4 out of 5 |
| Sutter Senior Advantage, a SCAN Medicare Plan (HMO) | SCAN Health Plan | HMO | 4 out of 5 |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Clarity Plus 042 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Duals+ 030 (HMO D-SNP) | Alignment Health Plan | HMO D-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) | Alignment Health Plan | HMO C-SNP | 3.5 out of 5 |
| Alignment Health Honor Plus 060 (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Alignment Health My Choice 050 (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Alignment Health Platinum + Instacart 016 (HMO-POS) | Alignment Health Plan | HMO-POS | 3.5 out of 5 |
| Alignment Health Sutter Advantage +More (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Anthem Select (HMO-POS) | Elevance Health (Anthem) | HMO-POS | 3.5 out of 5 |
| Central Health Harmony 031 (HMO) | Alignment Health Plan | HMO | 3.5 out of 5 |
| Imperial Courage Plan (HMO) | Imperial Health Plan of California, Inc. | HMO | 3.5 out of 5 (health plan rating) |
| Wellcare Health Net Dual Liberty (HMO D-SNP) | Centene (WellCare) | HMO D-SNP | 3.5 out of 5 |
| Wellcare Low Premium Focus (HMO) | Centene (WellCare) | HMO | 3.5 out of 5 |
| Wellcare Specialty Simple Focus (HMO C-SNP) | Centene (WellCare) | HMO C-SNP | 3.5 out of 5 |
| AARP Medicare Advantage from UHC CA-9 (HMO-POS) | UnitedHealthcare | HMO-POS | 3 out of 5 |
| Aetna Medicare Chronic Care (HMO C-SNP) | Aetna (CVS Health) | HMO C-SNP | 3 out of 5 |
| Aetna Medicare Eagle (HMO) | Aetna (CVS Health) | HMO | 3 out of 5 (health plan rating) |
| Aetna Medicare Signature Extra (HMO) | Aetna (CVS Health) | HMO | 3 out of 5 |
| Anthem Full Dual Advantage Aligned (HMO D-SNP) | Elevance Health (Anthem) | HMO D-SNP | 3 out of 5 |
| Anthem Prime (HMO-POS) | Elevance Health (Anthem) | HMO-POS | 3 out of 5 |
| CCHP Senior Program (HMO) | CCHP (Chinese Community Health Plan) | HMO | 3 out of 5 |
| CCHP Senior Select Program (HMO D-SNP) | CCHP (Chinese Community Health Plan) | HMO D-SNP | 3 out of 5 |
| CCHP Senior Value Program (HMO) | CCHP (Chinese Community Health Plan) | HMO | 3 out of 5 |
| UHC Complete Care Support CA-8AP (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP | 3 out of 5 |
| Aetna Medicare Signature (HMO) | Aetna (CVS Health) | HMO | 2.5 out of 5CMS low-performing icon |
| Premier Care (HMO I-SNP) | Align Senior Care | HMO I-SNP | Not enough data available |
| Senior Care (HMO I-SNP) | Align Senior Care | HMO I-SNP | Not enough data available |
| SFHP Care Plus (HMO D-SNP) | San Francisco Health Plan | HMO D-SNP | Plan too new to be measured |
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.
CMS low-performing icon: the plan's contract received a summary rating of 2.5 stars or below in Part C or Part D, or both, for the last three years.
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 San Francisco 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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