Medicare Advantage PPO plans in California
There are 18 Medicare Advantage PPO plans in California from 4 carriers, averaging 3.89 out of 5 stars across the 18 plans CMS has rated. 33% of those with a published premium charge $0 a month (6 of 18); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 18 PPO plans in California that publish one, the in-network out-of-pocket maximum has a median of $6,450 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $6,117, which sits below the median — the spread is not symmetric, so the median is the better guide.
Most PPO plans in California rate 4 stars or better.
15 of 18 plans here carry an overall rating of at least 4 stars. Where ratings cluster this high they stop being a useful way to sort plans — network, drug coverage and out-of-pocket limits will separate these more than the star count will.
California PPO plans rank 38th of 51 on star rating.
Across the 18 rated plans here the average overall rating is 3.89 stars, 38th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated PPO plans in California
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Alignment Health Balance 006 (PPO)Alignment Health Plan | 4.5★ | $2,850 | $93 |
| Alignment Health My Choice 001 (PPO)Alignment Health Plan | 4.5★ | $4,200 | $149 |
| Alignment Health Advantage 002 (PPO)Alignment Health Plan | 4★ | $2,850 | $101.50 |
| HumanaChoice H5525-074 (PPO)Humana | 4★ | $3,650 | $49 |
| HumanaChoice H5525-075 (PPO)Humana | 4★ | $4,350 | $0 |
Showing 5 of 18. See all CaliforniaMedicare Advantage plans →
PPO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| HumanaHumana Inc. | 9 | 4.0 | — |
| Alignment Health PlanAlignment Healthcare USA, LLC | 6 | 4.2 | — |
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 2 | 3.0 | 2 |
| UnitedHealthcareUnitedHealth Group, Inc. | 1 | 3.0 | — |
How PPO compares
States with similar PPO star ratings
California Medicare Advantage PPO plans, answered
How much do Medicare Advantage PPO plans cost in California?
What are the star ratings for California PPO plans?
How many Medicare Advantage PPO plans are available in California?
Do California PPO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in California?
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