Alignment Health Plan: Medicare Advantage Plans 2027 Costs & Ratings

2027 STAR RATINGS UPDATE — OCTOBER 9, 2026

Alignment Health’s largest contract, California HMO H3815, fell to 3.5 stars for 2027. Because that contract covers about three-quarters of Alignment’s members, only about 25% of its members are now in plans rated 4 stars or higher, down from 98% for 2026.

Ratings shown elsewhere on this page are from 2026. Check the 2027 rating on your specific plan in Medicare Plan Finder. See the full 2027 Medicare Advantage star ratings breakdown.

HMO. The core product. In-network care with a primary care physician coordinating, which is where most of Alignment’s membership sits and where its star ratings are earned.

Smart HMO with Part B rebate. A giveback plan that returns part of your Medicare Part B premium, reducing the deduction from your Social Security payment.

HMO-POS. An HMO that permits some out-of-network care at higher cost sharing.

PPO. Out-of-network access without referrals, at higher cost.

C-SNP and D-SNP. Special Needs Plans for people with qualifying chronic conditions, and for people who have both Medicare and Medicaid.

WHAT IT HAS GOING FOR IT

Every member in a 4-star-or-better plan. Multiple 5-star contracts, one of them for four years running. Expanding rather than contracting, which signals a carrier that intends to stay in these markets. And a growing provider network rather than a shrinking one.

WHAT TO WEIGH AGAINST IT

Five states only, so it moves with you nowhere else. Mostly HMO, which means referrals and a tighter network than a national PPO. And in brand-new markets like San Antonio and Charlotte the carrier has no local track record yet — a strong rating earned in Nevada does not automatically transfer to a network built from scratch in Texas.

➤ What is Alignment Health Plan?

Alignment Health Plan is a Medicare Advantage carrier operating in Arizona, California, Nevada, North Carolina and Texas. For 2027 it offers 77 plans across 55 counties, including HMO, PPO, HMO-POS, Part B giveback and Special Needs Plans. It is not a national carrier and does not sell outside those five states.

➤ Is Alignment Health Plan expanding in 2027?

Yes. Alignment is adding ten counties and four new markets for 2027, growing from 45 counties to 55. The new markets are San Antonio, Texas (Bexar and Comal counties), Charlotte, North Carolina (Cabarrus, Gaston, Mecklenburg and Rowan), California’s Central Valley (Kern, Kings and Tulare) and Nye County, Nevada. That makes it one of the few carriers expanding rather than contracting for the 2027 plan year.

➤ What star ratings does Alignment Health Plan have?

All of Alignment’s Medicare Advantage members are enrolled in plans rated 4 stars or higher. Its Nevada HMO contracts hold 5 stars, a Nevada and North Carolina contract has held 5 stars for four consecutive years, its Texas HMO rated 4.5 stars in its first eligible year, and its California HMO has held 4 stars or better for nine consecutive years while carrying 81% of total membership.

➤ What states does Alignment Health Plan cover?

Arizona, California, Nevada, North Carolina and Texas — 55 counties in total for 2027. California accounts for about 81% of membership. Because Medicare Advantage service areas are set county by county, living in one of those five states does not guarantee Alignment is sold at your address. Check by ZIP code.

➤ Does Alignment Health Plan offer $0 premium plans?

Alignment has highlighted a $0 premium Platinum Preferred (HMO) plan in Orange County, California for 2027. Whether a $0 premium plan is available to you depends on your county, and you still pay your Medicare Part B premium separately on any Medicare Advantage plan. Some Alignment plans go further with a Part B giveback that rebates part of that premium back to you.

➤ What is a Smart HMO with Part B rebate?

It is a giveback plan. The plan pays part of your Medicare Part B premium on your behalf, which shows up as a smaller deduction from your Social Security payment each month. The trade is usually a tighter network or higher cost sharing elsewhere in the plan, so weigh the monthly cash benefit against what you would pay when you actually use care.

➤ Is Alignment Health Plan good?

On the measures CMS tracks, it rates better than most carriers of any size — every member is in a 4-star-or-higher plan and several contracts hold 5 stars. It is also expanding rather than retreating, which is a reasonable signal of commitment to its markets. The limits are that it covers only five states, most of its plans are HMOs, and its largest California contract fell to 3.5 stars for 2027, so check the rating on the specific plan in your county.