$0 Premium Medicare Advantage Plans for 2027
A $0 premium plan charges nothing each month on top of Part B. It isn’t free: you pay copays when you use care, up to the plan’s out-of-pocket maximum. Each state page ranks its $0 plans with drug coverage by that worst-case year.
Fewer $0 plans for 2027: see where $0 Medicare Advantage plans are disappearing, county by county.
Pick your state
| State | $0 plans | Share of plans | Lowest in-network max | Counties with none |
|---|---|---|---|---|
| Alabama | 36 of 56 | 64% | $4,450 | 0 |
| Alaska | 0 of 0 | — | — | — |
| Arizona | 71 of 81 | 88% | $1,899 | 0 |
| Arkansas | 37 of 45 | 82% | $4,000 | 0 |
| California | 169 of 252 | 67% | $199 | 4 |
| Colorado | 49 of 59 | 83% | $3,500 | 0 |
| Connecticut | 11 of 23 | 48% | $6,250 | 0 |
| Delaware | 11 of 20 | 55% | $6,400 | 0 |
| District of Columbia | 2 of 8 | 25% | $7,150 | 0 |
| Florida | 268 of 286 | 94% | $500 | 1 |
| Georgia | 61 of 80 | 76% | $5,900 | 0 |
| Hawaii | 15 of 33 | 45% | $6,300 | 1 |
| Idaho | 6 of 26 | 23% | $6,520 | 18 |
| Illinois | 68 of 93 | 73% | $2,150 | 0 |
| Indiana | 64 of 90 | 71% | $3,900 | 0 |
| Iowa | 17 of 32 | 53% | $4,200 | 0 |
| Kansas | 41 of 52 | 79% | $2,800 | 9 |
| Kentucky | 47 of 72 | 65% | $4,250 | 0 |
| Louisiana | 47 of 64 | 73% | $2,875 | 0 |
| Maine | 8 of 26 | 31% | $7,150 | 0 |
| Maryland | 7 of 23 | 30% | $7,151 | 0 |
| Massachusetts | 20 of 61 | 33% | $6,750 | 1 |
| Michigan | 54 of 122 | 44% | $4,400 | 0 |
| Minnesota | 9 of 35 | 26% | $6,350 | 46 |
| Mississippi | 34 of 45 | 76% | $4,200 | 0 |
| Missouri | 79 of 101 | 78% | $2,000 | 0 |
| Montana | 4 of 14 | 29% | $6,200 | 41 |
| Nebraska | 16 of 24 | 67% | $4,400 | 0 |
| Nevada | 42 of 51 | 82% | $900 | 0 |
| New Hampshire | 6 of 12 | 50% | $6,700 | 0 |
| New Jersey | 25 of 48 | 52% | $6,000 | 0 |
| New Mexico | 29 of 36 | 81% | $3,800 | 0 |
| New York | 42 of 127 | 33% | $7,150 | 0 |
| North Carolina | 83 of 107 | 78% | $3,400 | 0 |
| North Dakota | 3 of 10 | 30% | $5,900 | 3 |
| Ohio | 67 of 118 | 57% | $4,200 | 0 |
| Oklahoma | 28 of 43 | 65% | $3,500 | 0 |
| Oregon | 31 of 58 | 53% | $4,450 | 4 |
| Pennsylvania | 118 of 245 | 48% | $4,500 | 0 |
| Puerto Rico | 30 of 30 | 100% | $3,250 | 0 |
| Rhode Island | 4 of 10 | 40% | $6,300 | 0 |
| South Carolina | 37 of 54 | 69% | $5,900 | 0 |
| South Dakota | 2 of 12 | 17% | $7,150 | 30 |
| Tennessee | 66 of 96 | 69% | $3,800 | 0 |
| Texas | 166 of 209 | 79% | $1,500 | 30 |
| Utah | 18 of 27 | 67% | $4,700 | 0 |
| Vermont | 2 of 4 | 50% | $7,150 | 0 |
| Virginia | 66 of 94 | 70% | $3,975 | 0 |
| Washington | 35 of 62 | 56% | $5,900 | 15 |
| West Virginia | 22 of 43 | 51% | $7,000 | 0 |
| Wisconsin | 28 of 59 | 47% | $4,200 | 0 |
| Wyoming | 0 of 4 | 0% | — | 23 |
General-audience plans with drug coverage, counted once per state they’re sold in. “Counties with none” = counties that have Medicare Advantage plans with drug coverage but none at $0. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t included. No $0 plan in: Wyoming.
What a $0 premium doesn’t cover
You still pay the Part B premium ($202.90 a month in 2026 for most people). When you use care, you pay the plan’s copays and coinsurance until you reach its out-of-pocket maximum for the year, up to $9,850 in network in 2027. Drug costs have their own yearly cap of $2,400. A plan with a small premium and a lower out-of-pocket maximum can cost less in a year with a hospital stay, which is why we rank by the worst-case year.
Check before you switch: your doctors and drugs in the official Medicare Plan Finder. You can change plans during Open Enrollment, October 15 to December 7, 2026. Free one-on-one help: your State Health Insurance Assistance Program.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure