California has 402 Medicare Advantage plans for 2026. UnitedHealthcare, Blue Shield of California, and Anthem Blue Cross — three of the four largest carriers in the state — discontinued their PPO Medicare Advantage plans statewide for 2026. Hundreds of thousands of California seniors who chose PPO plans specifically for their flexibility had to switch to something else before last December 7. Why PPO Plans Matter Differently in CaliforniaThe difference between an HMO and a PPO is not just a structure preference. The Competiton Paradox — More Plans, Fewer Choices That Actually WorkCalifornia has 402 Medicare Advantage plans.