$0 Premium Medicare Advantage Plans in Alabama
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Alabama for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 36 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice H5216-269 (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4★ |
| 2 | HumanaChoice H7617-091 (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 3 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO2 of 67 counties · drug deductible $600Part B giveback $183/mo · Dental up to $250/yr · eyewear $100/yr | $0−$183 Part B giveback | $7,000 | $4,804 | 3.5★ |
| 4 | HealthSpring Preferred (HMO)HealthSpring · HMO13 of 67 counties · drug deductible $400Dental up to $1,600/yr · eyewear $150/yr · OTC items $120/yr | $0 | $5,550 | $5,550 | 3.5★ |
| 5 | DEVOTED CHOICE 007 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $400/yr | $0 | $5,600 | $5,600 | 4.5★ |
| 6 | DEVOTED CHOICE 008 AL (PPO)Devoted Health · PPO14 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $384/yr | $0 | $5,600 | $5,600 | 4.5★ |
| 7 | DEVOTED CORE 001 AL (HMO)Devoted Health · HMO32 of 67 counties · drug deductible $465Dental up to $2,750/yr · eyewear $400/yr · OTC items $300/yr | $0 | $5,700 | $5,700 | 3.5★ |
| 8 | DEVOTED CHOICE 002 AL (PPO)Devoted Health · PPO11 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $292/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 9 | DEVOTED CHOICE 001 AL (PPO)Devoted Health · PPO32 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $400/yr | $0 | $6,200 | $6,200 | 3.5★ |
| 10 | HealthSpring Preferred (HMO)HealthSpring · HMO9 of 67 counties · drug deductible $400Dental up to $1,450/yr · eyewear $200/yr · OTC items $120/yr | $0 | $6,200 | $6,200 | 3.5★ |
| 11 | Humana Value Plus H5216-179 (PPO)Humana · PPO65 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $250/yr | $0 | $6,200 | $6,200 | 4★ |
| 12 | AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $750/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,300 | $6,300 | 3.5★ |
| 13 | VIVA Medicare Infirmary Health Advantage (HMO)VIVA Medicare · HMO2 of 67 counties · drug deductible $200Part B giveback $15/mo · Dental up to $1,400/yr · eyewear $200/yr · OTC items $160/yr | $0−$15 Part B giveback | $6,500 | $6,320 | 4★ |
| 14 | Humana Gold Plus H4461-078 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $250/yr | $0 | $6,360 | $6,360 | 4.5★ |
| 15 | DEVOTED CHOICE GIVEBACK EXTRAS 038 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $300/yr | $0−$70 Part B giveback | $7,250 | $6,410 | 4.5★ |
| 16 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO12 of 67 counties · drug deductible $300Part B giveback $170/mo · Dental up to $600/yr · eyewear $100/yr | $0−$170 Part B giveback | $8,500 | $6,460 | 3.5★ |
| 17 | HealthSpring Preferred (HMO)HealthSpring · HMO2 of 67 counties · drug deductible $400Dental up to $1,800/yr · eyewear $200/yr · OTC items $120/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 18 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO55 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $275/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 19 | DEVOTED CHOICE GIVEBACK 005 AL (PPO)Devoted Health · PPO32 of 67 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $428/yr | $0−$174.70 Part B giveback | $8,900 | $6,804 | 3.5★ |
| 20 | DEVOTED CHOICE GIVEBACK EXTRAS 039 AL (PPO)Devoted Health · PPO14 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $320/yr | $0−$70 Part B giveback | $7,700 | $6,860 | 4.5★ |
| 21 | AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 22 | AARP Medicare Advantage from UHC AL-0001 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 23 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $600Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 4★ |
| 24 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO7 of 67 counties · drug deductible $600Dental up to $2,000/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $7,150 | $7,150 | 4★ |
| 25 | Blue Advantage Choice (PPO)Blue Cross and Blue Shield of Alabama · PPOAll 67 counties · drug deductible $700Preventive dental up to $375/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 26 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $400Dental up to $1,900/yr · eyewear $100/yr · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 27 | Humana Gold Plus H5619-089 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 28 | DEVOTED CHOICE GIVEBACK 009 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $428/yr | $0−$190 Part B giveback | $9,850 | $7,570 | 4.5★ |
| 29 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $600Part B giveback $103/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$103 Part B giveback | $9,250 | $8,014 | 4★ |
| 30 | DEVOTED GIVEBACK 002 AL (HMO)Devoted Health · HMO41 of 67 counties · drug deductible $461Part B giveback $135.50/mo · Dental up to $250/yr · eyewear $100/yr | $0−$135.50 Part B giveback | $9,850 | $8,224 | 3.5★ |
| 31 | DEVOTED CHOICE GIVEBACK 006 AL (PPO)Devoted Health · PPO11 of 67 counties · drug deductible $461Part B giveback $134/mo · Dental up to $250/yr · eyewear $200/yr | $0−$134 Part B giveback | $9,850 | $8,242 | 3.5★ |
| 32 | DEVOTED CHOICE GIVEBACK 010 AL (PPO)Devoted Health · PPO14 of 67 counties · drug deductible $650Part B giveback $132/mo · Dental up to $250/yr · eyewear $200/yr | $0−$132 Part B giveback | $9,850 | $8,266 | 4.5★ |
| 33 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO7 of 67 counties · drug deductible $600Dental up to $2,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $8,900 | $8,900 | 4★ |
| 34 | VIVA Medicare Plus (HMO)VIVA Medicare · HMO18 of 67 counties · drug deductible $450Part B giveback $9/mo · Dental up to $1,100/yr · eyewear $100/yr · OTC items $140/yr | $0−$9 Part B giveback | $9,250 | $9,142 | 4★ |
| 35 | VIVA Medicare Classic (HMO)VIVA Medicare · HMO5 of 67 counties · drug deductible $450Dental up to $800/yr · eyewear $125/yr · OTC items $120/yr | $0 | $9,250 | $9,250 | 4★ |
| 36 | VIVA Medicare Plus (HMO)VIVA Medicare · HMO17 of 67 counties · drug deductible $450Dental up to $725/yr · eyewear $100/yr · OTC items $140/yr | $0 | $9,250 | $9,250 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Alabama Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Alabama for 2027?
36 of the 56 general-audience Medicare Advantage plans with drug coverage in Alabama have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Alabama's $0 plans, the lowest in-network maximum is $4,450 and the median is $7,150.
Which $0 premium plan in Alabama has the lowest worst-case cost?
HumanaChoice H5216-269 (PPO) from Humana, with an in-network out-of-pocket maximum of $4,450. It is sold in 54 of 67 counties.
Do any $0 premium plans in Alabama also have a Part B giveback?
Yes, 12 of them. See the Alabama Part B giveback plans.
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.
- CMS, 2026 Part B premium — cms.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All Alabama Medicare Advantage plans, ranked →
- Part B giveback plans in Alabama →
- Where $0 plans are disappearing in 2027 →
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