Medicare Advantage Plans in San Diego, CA

Looking for Medicare Advantage Plans in San Diego County? Enter your ZIP below to compare affordable or $0 premium plans in your area.

California state

With an estimated population of around 3.3 million people, San Diego County is the second-most populated county in California and the fifth-most populated county in the U.S. 

San Diego also happens to be the home of one of the largest populations of Medicare Advantage (Medicare Part C) beneficiaries. 

More than 256,000 residents of San Diego County belonged to a Medicare Advantage plan in 2019, which represented 46% of all Medicare beneficiaries across the county.1

Learn more about Medicare Advantage in California.

2020 Medicare Advantage plans in San Diego

Number of unique plans 22
Weighted average premium $8
Average annual deductible $19.35
Average (in-network) out-of-pocket maximum $4,396
Number of $0 premium plans 13
Number of plans rated four stars or higher 20

Residents of such a large county may be accustomed to having a lot of shopping options, and the selection of Medicare Advantage plans in San Diego is no exception.

The number of available plans and their costs can change every year, but in 2019, there were 22 different Medicare Advantage plans available in San Diego County. 

Those plans carried an average weighted premium of just $8 per month, and over half featured $0 premiums in 2019.

In terms of quality, 20 of the available 22 plans were rated four stars or higher based on Medicare Star Ratings.2 Plans rated four stars or higher are considered top-rated Medicare plans.

Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare and Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in San Diego County or wherever you may live.

List of Medicare Advantage plans in San Diego County

Medicare Advantage plans can come in several different forms.

All Medicare Advantage enrollees in San Diego County – and in the state of California, for that matter – belonged to an HMO plan in 2019.

HMO (Health Maintenance Organization) plans utilize a network of participating doctors and other health care providers. Care is typically not covered by the plan when received outside of the network. 

In the state of California, the breakdown of plan types in 2019 was as follows:

Plan type Percentage of California enrollees (2019)
HMO 100%

How to Sign up for a Medicare Advantage Plan in San Diego County

There are different Medicare enrollment periods in the year during which you may able to sign up for a Medicare Advantage plan in San Diego County, depending on your eligibility. 

Medicare IEP graphic

Initial Enrollment Period (IEP)

When you first become eligible for Medicare, you will typically be granted an Initial Enrollment Period (IEP). This period begins three months before you turn 65 years old, includes the month of your birthday and continues for an additional three months. 

Medicare AEP graphic

Annual Enrollment Period (AEP)

The Annual Enrollment Period (AEP, also called the Medicare Open Enrollment Period for Medicare Advantage plans) takes place from October 15 to December 7 each year. This period is open to all eligible Medicare beneficiaries who wish to add, drop or change Medicare plans.  

Special Enrollment Period

If you experience a qualifying circumstance, you may be granted a Special Enrollment Period (SEP) at any time throughout the year to allow you to enroll in a Medicare Advantage plan.

Such circumstances may include situations like moving outside of your plan’s service area or losing your Medicare Advantage plan coverage through no fault of your own. A licensed insurance agent can help you determine if you are eligible for a Special Enrollment Period and what actions you may be able to take during that time. 

Find a Medicare Advantage plan where you live

Medicare Advantage plans can come in a variety of types and can include different benefits, networks, costs and more.

Connect with a licensed insurance agent today for help determining your eligibility and finding the best Medicare Advantage plan for you in San Diego County. 

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1's internal analysis of CMS Medicare Advantage landscape source files, accessed May 2019. Data retrieved from

2 Every year, Medicare evaluates plans based on a 5-star rating system.