Talk directly with Eric, a licensed independent Medicare broker. No call center. No cost to you, no pressure. We check your doctors and prescriptions before you pick. Yolo County residents see doctors in Davis and Woodland but often rely on Sacramento for hospitals and specialists. We make sure the plan you pick works on both sides of the causeway.
Licensed in California, CA license #4551902 · Independent · No cost to you
2027 plans
Here’s what’s actually available this year, from the government’s published plan data. Eric, a licensed independent agent, can help you check your doctors and prescriptions against any of these plans, free to you.
Medicare Advantage plans in Yolo County
Medicare Advantage plans with a $0 premium
insurance carriers to choose from
The carriers offering plans in this area, from the government’s published plan data. As an independent agency, we can work with multiple carriers, so we compare across carriers to find the options that fit your needs.
Every 2027 Medicare Advantage plan available in Yolo County, from the government’s published plan data, listed for comparison. As an independent agency, we can work with multiple carriers, so we can help you compare the full list and find the options that fit your needs.
| Health Plan Name | Premium Per Month | MOOP | Part D Deductible | Plan ID |
|---|---|---|---|---|
| Aetna Medicare Eagle (HMO) Aetna Medicare · HMO | $0 | $4,450 | No drug coverage | H0523-099-0 |
| Aetna Medicare Signature (HMO) Aetna Medicare · HMO | $0 | $2,000 | $600 | H0523-065-0 |
| Aetna Medicare Value Plus (HMO) Aetna Medicare · HMO | $0 | $2,000 | $0 | H0523-074-0 |
| Alignment Health My Choice 050 (HMO) Alignment Health Plan · HMO | $0 | $3,499 | $0 | H3815-050-0 |
| Alignment Health Smart 038 (HMO) Alignment Health Plan · HMO | $0 | $3,499 | $700 | H3815-038-0 |
| Imperial Courage Plan (HMO) Imperial Health Plan of California, Inc. · HMO | $0 | $2,999 | No drug coverage | H5496-016-0 |
| Imperial Dynamic Plan (HMO) Imperial Health Plan of California, Inc. · HMO | $0 | $295 | $0 | H5496-012-0 |
| SCAN Classic (HMO) SCAN Health Plan · HMO | $0 | $2,900 | $450 | H5425-128-0 |
| SCAN Costco Medicare Advantage (HMO) SCAN Health Plan · HMO | $0 | $2,900 | $450 | H5425-138-0 |
| Alignment Health Honor Plus 060 (HMO) Alignment Health Plan · HMO | $7.30 | $9,850 | $700 | H3815-060-0 |
| Sutter Senior Advantage, a SCAN Medicare Plan (HMO) SCAN Health Plan · HMO | $19 | $4,000 | $250 | H5425-126-0 |
| Alignment Health Sutter Advantage +More (HMO) Alignment Health Plan · HMO | $21 | $4,900 | $0 | H3815-019-0 |
| Kaiser Permanente Sr Advantage Basic Sac., Sonoma (HMO) Kaiser Permanente · HMO | $29 | $6,000 | $0 | H0524-051-0 |
| Kaiser Permanente Sr Adv Enhanced Sac., Sonoma (HMO) Kaiser Permanente · HMO | $99 | $3,900 | $0 | H0524-013-0 |
These plans have eligibility requirements, such as a qualifying chronic condition or having both Medicare and Medi-Cal, so not everyone can enroll.
| Health Plan Name | Premium Per Month | MOOP | Part D Deductible | Plan ID |
|---|---|---|---|---|
| Aetna Medicare Chronic Care (HMO C-SNP) Aetna Medicare · HMO C-SNP | $0 | $2,000 | $700 | H0523-094-0 |
| Alignment Health BreathEasy Plus 041 (HMO C-SNP) Alignment Health Plan · HMO C-SNP | $0 | $9,850 | $700 | H3815-041-0 |
| Alignment Health Heart & Diabetes 010 (HMO C-SNP) Alignment Health Plan · HMO C-SNP | $0 | $1,900 | $0 | H3815-010-0 |
| Alignment Health Heart & Diabetes 048 (HMO C-SNP) Alignment Health Plan · HMO C-SNP | $0 | $1,990 | $0 | H3815-048-0 |
| Imperial Senior Value (HMO C-SNP) Imperial Health Plan of California, Inc. · HMO C-SNP | $0 | $295 | $0 | H5496-005-0 |
| Kaiser Permanente Dual Complete North P24 (HMO D-SNP) Kaiser Permanente · HMO D-SNP | $0 | $9,850 | $700 | H8794-024-0 |
| SCAN Balance (HMO C-SNP) SCAN Health Plan · HMO C-SNP | $0 | $2,000 | $450 | H5425-129-0 |
| SCAN Strive (HMO C-SNP) SCAN Health Plan · HMO C-SNP | $0 | $9,850 | $450 | H5425-098-0 |
| Alignment Health Heart & Diabetes 051 (HMO C-SNP) Alignment Health Plan · HMO C-SNP | $0.10 | $9,850 | $700 | H3815-051-0 |
| Imperial Flex (HMO C-SNP) Imperial Health Plan of California, Inc. · HMO C-SNP | $2.70 | $9,850 | $450 | H5496-017-0 |
| Alignment Health Clarity Plus 042 (HMO C-SNP) Alignment Health Plan · HMO C-SNP | $7.30 | $9,850 | $700 | H3815-042-0 |
| Alignment Health Heart & Diabetes Plus 039 (HMO C-SNP) Alignment Health Plan · HMO C-SNP | $7.30 | $9,850 | $700 | H3815-039-0 |
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Rather talk it through? Schedule a call — we’ll compare plans with you and handle enrollment.
Plan availability, premiums, and star ratings are from the CMS 2027 Medicare plan landscape data (updated 2026-10-27). Beneficiary counts are from the CMS Medicare Monthly Enrollment data (July 2026). Premiums shown may not reflect Part B premiums or low-income subsidies. Medigap benefit descriptions follow the federal standardized plan charts; Medigap premiums vary by age, ZIP code, and carrier and are not shown. Verify details with the plan or Medicare.gov before enrolling.
A Medicare Supplement (Medigap) plan lets you use any doctor who accepts Medicare, with no network. Compare California Medigap plans, including Plan G and Plan N.
See California Medigap plans2027 update
Medicare plans are rebuilt every year, and 2027 is no exception in Yolo County. Some plans left, most of the plans that stayed changed their costs, and the Part D rules moved for everyone. Here is what changed, from the government's published plan data.
| What changed | 2026 | 2027 |
|---|---|---|
| Medicare Advantage plans in Yolo County | 34 | 26 |
| Carriers offering plans | 9 | 5 |
| $0 premium Medicare Advantage plans | 22 | 17 |
| Standalone Part D drug plans in California | 12 | 10 |
| Part D out-of-pocket cap (all plans) | $2,100 | $2,400 |
| Standard Part D deductible (up to) | $615 | $700 |
| Carrier changes for 2027 | 9 carriers | Left: Anthem Blue Cross, Central Health, and Wellcare |
| Continuing plans that changed premium, drug deductible, or out-of-pocket max | 21 continuing plans | 18 of 21 changed |
On Original Medicare, drug coverage is a separate choice. See all 10 California Part D plans for 2027, with premiums, deductibles, and what changed this year.
Free to use. Check your doctors and prescriptions before you enroll.
Source: CMS CY2026 and CY2027 Medicare plan landscape data. Plan counts use the same rules as the plan snapshot on this page. Part D counts are statewide, because stand-alone drug plans are offered region-wide. Many plans waive or reduce the standard Part D deductible, so check the plan you are considering.
Your care team
It’s the question I hear most, and the answer splits by the kind of coverage you choose. With Original Medicare plus a Medigap policy, there are no networks: you can keep any doctor who accepts Original Medicare patients. With Medicare Advantage, your doctors need to be in the plan’s network, and networks are set plan by plan, not by carrier, so a doctor who takes one plan from a carrier may not take another. These are the names Yolo County seniors ask about most. If Medicare Advantage is on your list, here’s how to check any of them against any plan. I don’t publish who takes what, networks change too fast.
One confirmed exception
Dignity Health Woodland doctors are through Mercy Medical Group, and no Medicare Advantage plan is partnered with Mercy Medical Group there for 2027. Keeping one of those doctors means Original Medicare, usually paired with a Medigap policy and a standalone Part D plan. Medicare Advantage plans still serve Yolo County through other medical groups.
For Medicare Advantage, participation varies plan to plan, even within one carrier. Always confirm with the plan’s directory and the doctor’s office.
Worth knowing: Not all doctors and hospitals within one medical group necessarily contract with the same networks — the check has to happen at the individual doctor level, not just the group name.
Bring your doctor list to a free consult — I’ll check it against every plan you’re considering. Or run the check yourself:
Which hospitals are in Yolo County?
Extra benefits
Some 2027 Medicare Advantage plans add a prepaid benefit card on top of the medical coverage. Most of these cards pay for over-the-counter (OTC) products, the everyday health items you buy without a prescription. A smaller number also cover healthy groceries, and that grocery money usually sits on chronic-condition or dual-eligible plans, where it only reaches members who meet the plan’s requirements.
Three checks before a card influences your choice. Amounts are set by each plan, and most balances expire at the end of the month or quarter instead of rolling over. The card only works for the categories the plan lists, at participating retailers; it is not cash, and gasoline is not one of the standard categories. And a generous card on a plan that misses your doctors or prescriptions will still cost more over the year.
| Plan | Card amount | What it covers | Who gets it |
|---|---|---|---|
| Alignment Health Heart & Diabetes Plus (HMO C-SNP) H3815-039 · Alignment Health Plan | $127 per month for over-the-counter items | Over-the-counter products. | Members of this chronic-condition plan. |
| Alignment Health Clarity Plus (HMO C-SNP) H3815-042 · Alignment Health Plan | $103 per month for over-the-counter items | Over-the-counter products. | Members of this chronic-condition plan. |
| Alignment Health BreathEasy Plus (HMO C-SNP) H3815-041 · Alignment Health Plan | $99 per month for over-the-counter items | Over-the-counter products. | Members of this chronic-condition plan. |
| Alignment Health Honor Plus (HMO) H3815-060 · Alignment Health Plan | $97 per month for over-the-counter items | Over-the-counter products. | Every member of the plan. |
| Alignment Health My Choice (HMO) H3815-050 · Alignment Health Plan | $90 per month for over-the-counter items, plus a $40 per month Essentials Allowance | Over-the-counter products. The Essentials Allowance covers groceries, general support for living, and home safety, and cannot be used for tobacco or alcohol. | Every member gets the over-the-counter amount. The Essentials Allowance is for members who meet the plan's requirements for the extra benefit. |
Largest card amounts first; quarterly amounts are ranked by their monthly equivalent, and the amount shown is the plan’s own. A bigger card does not by itself make a plan the better fit.
How it works
A licensed, independent advisor can compare the plans on this page with you, at no cost to you. Here is how it goes.
We line up the plans that fit your ZIP code, with premiums and out-of-pocket costs next to each other.
We verify your doctors, prescriptions, and pharmacy against the exact plan before anything is picked.
You enroll online or with us on a recorded call. The carrier pays the advisor, and your premium is the same either way.
Free to you, no obligation.
Questions
Short, direct answers to the questions Yolo County residents ask us most.
Candor Medicare is an independent Medicare agency serving Yolo County, California, founded by licensed agent Eric Ullrich (CA license #4551902). Candor compares Medicare Advantage, Medigap, and Part D plans from multiple carriers, checks your doctors and prescriptions against a plan before you enroll, and charges you nothing — help is free by phone or video.
Yolo County has 26 Medicare Advantage plans from 5 carriers for 2027, and 17 of them have a $0 monthly plan premium (you still pay the Part B premium). Candor is independent and can work with multiple carriers, so you can compare the options that fit your needs. Plan menus change every year, so compare on doctors, drugs, and total cost — not premium alone. Source: CMS plan landscape data.
Often, yes — but networks are set by each individual plan, not by the carrier, so the same doctor can be in one CA plan and out of another from the same company. Seniors in Yolo County most often ask about UC Davis Health, Mercy Medical Group, and Sutter West Medical Group. Dignity Health Woodland doctors are through Mercy Medical Group, and no Medicare Advantage plan is partnered with Mercy Medical Group there for 2027. Keeping one of those doctors means Original Medicare, usually paired with a Medigap policy and a standalone Part D plan. Medicare Advantage plans still serve Yolo County through other medical groups. Before enrolling, check every doctor against the exact plan name and contract number, and confirm with the doctor's office. Medigap has no networks: it works with any provider who accepts Original Medicare.
Nothing. Working with an independent Medicare agent like Candor Medicare costs you $0 — agents are paid by the insurance carrier if you enroll, and your plan premium is exactly the same whether you enroll through an agent, through the carrier, or on Medicare.gov. The advice, doctor checks, and annual reviews are free to you in Yolo County and statewide.
Most Yolo County residents change Medicare Advantage or Part D plans during the Annual Enrollment Period, October 15 through December 7, for coverage starting January 1. If you are already in a Medicare Advantage plan, you get a second window January 1 through March 31 to switch once. Moving, losing other coverage, or other life changes can open a Special Enrollment Period at other times of year.
Yolo County has 26 Medicare Advantage plans for 2027, compared with 34 in 2026, and 17 of them have a $0 premium. Anthem Blue Cross, Central Health, and Wellcare no longer offer Medicare Advantage plans here. Standalone Part D plans in California go from 12 to 10 and the Part D out-of-pocket cap rises from $2,100 to $2,400. Even plans that continue can change premiums, deductibles, and cost limits, so check yours before December 7.
Some 2027 Medicare Advantage plans in Yolo County include a prepaid card for over-the-counter health products, and a smaller number also cover healthy groceries. Card amounts are set by each plan, and grocery money usually sits on chronic-condition or dual-eligible plans, where it only reaches members who meet the plan's requirements. The grocery and OTC section above lists the largest card amounts we have verified from the carriers' 2027 plan documents. Check your doctors and prescriptions first: a bigger card on a plan that misses either will cost more over the year.
You do not need to visit an office. Book a free call with Candor Medicare online or start by entering your ZIP code to compare Yolo County plans yourself. Bring your doctor list and prescription list to the call — checking both against a plan before you enroll is the step that prevents most Medicare surprises, and it is free.
Cities we serve in Yolo County: We work with Medicare beneficiaries throughout Yolo County, including Davis, Woodland, West Sacramento, and Winters. Wherever you are in the county, every conversation happens by phone or video, no office visit required.
Independent advice, free to you. We’re licensed in Florida and California.