Best Medicare Advantage Plans in California 2025
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More than 6.8 million people in California are signed up for Medicare, making it the largest U.S. state for Medicare beneficiaries. There are more than 450 Medicare Advantage plans available in California.
Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private insurance companies. It offers all the same benefits and usually some extras, such as cost help with dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they're often cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine what plan best suits your needs.
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Compare the best Medicare Advantage plans in California
Top-rated Medicare Advantage plans in California
Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in California for the 2025 plan year. (Check out more information about Medicare star ratings.)
4.5-star plans
There are no 5-star rated plans available in California for 2025. The companies below offer plans in California that are rated 4.5 stars out of 5 by CMS:
4-star plans
The companies below offer plans in California that are rated 4 stars out of 5 by CMS:
Alignment Health Plan.
Astiva Health.
Providence Medicare Advantage Plans.
Sharp Health Plan.
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
What to know about Medicare Advantage in California
Nearly 1 in 6 people in California are 65 and older, and there are a wide variety of Medicare Advantage plans in the state.
The average monthly premium in 2025 for a Medicare Advantage plan in California is $12.48. (This is down from $16.25 in 2024.)
There are 465 Medicare Advantage plans available in California in 2025. (This is up from 421 plans in 2024.)
All Medicare-eligible people in California have access to a $0-premium Medicare Advantage plan.
Third-party ratings
In its 2024 U.S. Medicare Advantage Study — the 10th it's done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the 10 biggest Medicare markets, which include California.
In California, these Medicare Advantage providers scored above the regional average (643 points) on measures of member satisfaction (based on a 1,000-point scale):
Kaiser Permanente (666 points).
Alignment Health Plan (665 points).
SCAN Health Plan (652 points).
Medicare resources in California
California Health Insurance Counseling and Advocacy Program (HICAP): Offers assistance with understanding Medicare plans, comparing coverage, and filing appeals and challenging denials.
Department of Managed Health Care: A list of agencies that can help California residents with finding resources, choosing health care and aging in place.
California Senior Gateway: Provides information and resources on topics like health care, preventing fraud and reporting abuse.
💬 From our Nerds: What Medicare Advantage plans are rated the best in California?
“Although there are no companies that offer 5-star Medicare Advantage plans in California in 2025, you can find 4.5-star plans from Aetna, Alignment Health Plan, Kaiser Permanente and SCAN Health Plan. And you can find 4-star plans from Alignment Health Plan, Astiva Health, Providence Medicare Advantage Plans and Sharp Health Plan.
“That said, not every plan from these companies gets high ratings, and even a plan with a high rating may not be the right fit for you. Compare your options and keep your doctors and prescriptions in mind.”
— Kate Ashford, lead writer covering Medicare
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Looking for additional insurance in California? Check out these resources:
Medicare Advantage review methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
This roundup includes only insurers that sell Medicare Advantage in California.
