UnitedHealthcare Medicare Advantage Plans in California (2026)
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Plan results are provided by Sunfire and open in a new tab. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in California, HICAP at 1-800-434-0222) to get information on all of your options.
UnitedHealthcare is the largest Medicare Advantage carrier in the country, offering HMO, HMO-POS, PPO, PFFS, and Special Needs Plans across California.
What Sets UnitedHealthcare Apart in California
- Widest plan-type selection of any major carrier: HMO, HMO-POS, PPO, PFFS, and D-SNP/C-SNP special needs plans.
- UCard – a single member ID card that also functions as a rewards card, redeemable at Walmart, Walgreens, and Dollar General for completing wellness activities.
- HouseCalls – a yearly in-home visit from a licensed clinician, in addition to your regular doctor visits.
- About 52% of UnitedHealthcare Medicare Advantage plans nationally carry a $0 monthly premium, with $0 copays common for primary care and Tier 1 drugs on many plans.
- 2026 CMS weighted star rating of 4.11, modestly above the industry average of roughly 4.02 – a solid but not top-tier (5-star) performance nationally.
- Worth knowing: J.D. Power rated UnitedHealthcare below average for customer experience in 6 of 10 major markets surveyed – a fair balance to the UCard/rewards features above.
Where UnitedHealthcare Is Most Competitive in California
- Los Angeles County
- Orange County
- Riverside County
- San Bernardino County
- San Diego County
- Sacramento County
- Alameda County
- Santa Clara County
- San Francisco County
- Contra Costa County
- Ventura County
- Kern County
- Fresno County
- San Joaquin County
- Tulare County
This county list comes from a third-party Medicare directory rather than UnitedHealthcare’s own plan finder or CMS data directly, so treat it as a general service-area guide rather than a ranking of UnitedHealthcare’s strongest markets. We did not find independently confirmed data on which counties have UnitedHealthcare’s highest-rated or most numerous plans – we’ll pull that for your specific ZIP code when you call.
Fitness Benefit
UnitedHealthcare’s Medicare Advantage plans use Renew Active, its own branded fitness program – not SilverSneakers. Renew Active includes gym network access plus online fitness classes and resources tailored to older adults.
Household / Multi-Policy Discount
We found no evidence that UnitedHealthcare applies a household or multi-policy discount to its Medicare Advantage plans in California. UnitedHealthcare’s member rewards page describes wellness-activity rewards and general retail discounts, not a household premium discount. Household discounts are more commonly a feature of Medicare Supplement plans rather than Medicare Advantage.
Frequently Asked Questions
Does UnitedHealthcare use SilverSneakers?
No – UnitedHealthcare uses its own program called Renew Active instead of SilverSneakers.
What is UCard?
It’s UnitedHealthcare’s combined member ID and rewards card – the same card doubles as a benefits card for things like the OTC/healthy food allowance on eligible plans and a rewards card for completing wellness activities.
Get a Free UnitedHealthcare Medicare Advantage Quote
Plan availability, star ratings, and extra benefits can vary significantly by ZIP code and change every year during the Medicare Annual Enrollment Period. As independent, licensed California agents, we compare UnitedHealthcare against every other major carrier so you can see the full picture before you enroll.
Call 855-847-7020 ext. 3 to speak with a licensed agent
Have an Agent Call Me
Want help comparing these plans against Original Medicare plus a Medigap policy? Call (855) 847-7020 ext. 3 or schedule an appointment. There is no cost to you.
Did this plan change on you at renewal? California law gives you a guaranteed issue right to a Medicare Supplement policy, with no health questions, if your Medicare Advantage plan reduces a benefit, raises your premium or cost sharing, or drops a doctor who is currently treating you. There is no minimum percentage for that right with your own carrier, whatever you may have been told. Read how the rule actually works, or call (855) 847-7020 ext. 3 and we will read your Annual Notice of Change with you.
Plan details and figures on this page reflect the 2026 plan year and were reviewed in August 2026. Benefits, premiums, provider networks and star ratings change every year and vary by county.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (in California, HICAP at 1-800-434-0222) to get information on all of your options.
California Health Agents is a licensed independent insurance agency, NPN 14924332. We are not affiliated with or endorsed by the United States government, the federal Medicare program, Covered California, the California Department of Insurance, or the Department of Managed Health Care. Enrollment in a Medicare Advantage plan depends on contract renewal. Quotes and plan summaries are estimates and are not a contract, guarantee of coverage, or offer of insurance.