Imperial Health Plan Medicare Advantage Plans 2027: California HMOs and What's New

Key Takeaway

Imperial Health Plan adds a fourth plan for 2027, the Imperial Flex chronic care plan, and still sells its HMOs in 52 of California’s 58 counties.

Comparing CMS’s 2026 and 2027 plan data, Imperial’s lineup changed in a few ways:

CMS’s 2027 benefit data shows what Imperial plans may include. Amounts and rules depend on the plan and county:

➤ What is Imperial Health Plan of California?

Imperial Health Plan of California is a Medicare Advantage company that sells HMO plans in 52 California counties. For 2027 its plans include Imperial Dynamic Plan, Imperial Courage Plan, Imperial Senior Value and the new Imperial Flex.

➤ How many Imperial Health Plan Medicare Advantage plans are there for 2027?

CMS’s 2027 plan data lists 4 individual Imperial Health Plan plans, up from 3 in 2026. The plans available to you depend on your county.

➤ What is new at Imperial Health Plan for 2027?

Imperial adds Imperial Flex, a second chronic condition special needs plan, for 2027. Imperial Dynamic, Imperial Courage and Imperial Senior Value all continue.

➤ Where is Imperial Health Plan available?

Imperial Health Plan sells Medicare Advantage plans in 52 of California’s 58 counties for 2027, including Los Angeles, Orange, San Diego, Riverside, San Bernardino, Sacramento and Fresno.

➤ Does Imperial Health Plan offer PPO plans?

No. Imperial Health Plan sells HMO plans only for 2027, so you generally need to use the plan’s network of doctors and hospitals except in emergencies.

➤ What is Imperial Senior Value?

Imperial Senior Value is a chronic condition special needs plan (C-SNP). You must have a qualifying chronic condition to join, and the plan is built around managing that condition.

➤ Do Imperial Health Plan plans include an OTC allowance?

CMS’s 2027 benefit data shows an over-the-counter allowance on 3 of Imperial’s 4 plans. Amounts and rules depend on the plan, so check the 2027 Summary of Benefits.

➤ Does Imperial Health Plan have plans for people with Medicaid?

Imperial’s 2027 lineup does not include a dual-eligible special needs plan. People with both Medicare and Medicaid may want to compare dual plans from other carriers in their county.

➤ Where can I get free Medicare help in California?

California residents can contact HICAP, the Health Insurance Counseling and Advocacy Program, for free, unbiased Medicare counseling. You can also compare plans by ZIP code online or call 1-800-MEDICARE.

➤ When can I enroll in an Imperial Health Plan Medicare Advantage plan for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you’re already in a Medicare Advantage plan, you can also make one change from January 1 to March 31, 2027.