Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
$0 Premium Medicare Advantage Plans in Arizona
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Arizona 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.
71$0-premium plans, of 81 with drug coverage
$1,899lowest in-network out-of-pocket max among them
17also pay part of your Part B premium
Showing all 71 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Alignment Health ONE 008 (HMO)Alignment Health Plan · HMO1 of 15 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr · OTC items $240/yr | $0 | $1,899 | $1,899 | 4★ |
| 2 | SCAN Classic (HMO)SCAN Health Plan · HMO3 of 15 counties · drug deductible $0Dental up to $3,000/yr · eyewear $100/yr · OTC items $120/yr | $0 | $2,000 | $2,000 | 3.5★ |
| 3 | Verda Noble Care (HMO)Verda Health Plan of Arizona · HMO2 of 15 counties · drug deductible $300Dental · eyewear $200/yr · OTC items $660/yr | $0 | $2,099 | $2,099 | Too new to rate |
| 4 | SCAN MyChoice (HMO)SCAN Health Plan · HMO3 of 15 counties · drug deductible $0Part B giveback $30/mo · Dental up to $1,500/yr | $0−$30 Part B giveback | $2,500 | $2,140 | 3.5★ |
| 5 | Alignment Health Smart 005 (HMO)Alignment Health Plan · HMO3 of 15 counties · drug deductible $700Part B giveback $120/mo · Preventive dental · eyewear $50/yr | $0−$120 Part B giveback | $3,900 | $2,460 | 4★ |
| 6 | Alignment Health ONE + Walgreens 002 (HMO)Alignment Health Plan · HMO2 of 15 counties · drug deductible $0Dental up to $2,000/yr · eyewear $300/yr · OTC items $600/yr | $0 | $2,499 | $2,499 | 4★ |
| 7 | SCAN Walmart Medicare Advantage (HMO)SCAN Health Plan · HMO3 of 15 counties · drug deductible $450Dental up to $3,000/yr · OTC items $560/yr | $0 | $2,500 | $2,500 | 3.5★ |
| 8 | Wellcare Simple (HMO)Wellcare · HMO3 of 15 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $750/yr per ear | $0 | $2,500 | $2,500 | 3.5★ |
| 9 | Humana Gold Plus H0028-074 (HMO)Humana · HMO2 of 15 counties · drug deductible $200Dental up to $1,750/yr · eyewear $200/yr | $0 | $2,550 | $2,550 | 4.5★ |
| 10 | Humana Total Complete (HMO)Humana · HMO2 of 15 counties · drug deductible $200Dental up to $1,750/yr · eyewear $200/yr | $0 | $2,550 | $2,550 | 4.5★ |
| 11 | Wellpoint Medicare Advantage 1 (HMO-POS)Wellpoint · HMO-POS1 of 15 counties · drug deductible $200Dental up to $500/yr · eyewear $225/yr · hearing aids $1,500/yr · OTC items $340/yr | $0 | $2,700 | $2,700 | 3.5★ |
| 12 | Wellpoint Premium Savings (HMO-POS)Wellpoint · HMO-POS1 of 15 counties · drug deductible $200Part B giveback $54/mo · Preventive dental · eyewear $225/yr · hearing aids $1,500/yr · OTC items $280/yr | $0−$54 Part B giveback | $3,400 | $2,752 | 3.5★ |
| 13 | AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS)UnitedHealthcare · HMO-POS1 of 15 counties · drug deductible $595Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $2,800 | $2,800 | 4★ |
| 14 | DEVOTED CORE 090 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $156/yr | $0 | $2,900 | $2,900 | 4.5★ |
| 15 | DEVOTED CORE 021 AZ (HMO)Devoted Health · HMO3 of 15 counties · drug deductible $461Dental up to $3,500/yr · eyewear $250/yr · OTC items $320/yr | $0 | $2,950 | $2,950 | 4★ |
| 16 | Banner Medicare Advantage Prime (HMO)Banner Medicare Advantage · HMO1 of 15 counties · drug deductible $540Dental up to $1,000/yr · eyewear $100/yr · OTC items $260/yr | $0 | $2,995 | $2,995 | 3★ |
| 17 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO1 of 15 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $1,000/yr per ear · OTC items $200/yr | $0 | $3,000 | $3,000 | Not rated |
| 18 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO1 of 15 counties · drug deductible $400Dental up to $2,500/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $200/yr | $0 | $3,000 | $3,000 | Not rated |
| 19 | Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POS3 of 15 counties · drug deductible $130Dental up to $750/yr · eyewear $200/yr · hearing aids $1,500/yr · OTC items $140/yr | $0 | $3,000 | $3,000 | 3.5★ |
| 20 | DEVOTED CORE 094 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $260/yr | $0 | $3,050 | $3,050 | 4.5★ |
| 21 | eternalHealth Catalina (HMO)eternalHealth · HMO1 of 15 counties · drug deductible $275Dental up to $1,000/yr · eyewear $200/yr · OTC items $300/yr | $0 | $3,100 | $3,100 | 2.5★ |
| 22 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 15 counties · drug deductible $500Dental up to $1,650/yr · eyewear $100/yr | $0 | $3,200 | $3,200 | 3.5★ |
| 23 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO3 of 15 counties · drug deductible $300Part B giveback $100/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$100 Part B giveback | $4,450 | $3,250 | 3.5★ |
| 24 | Humana Gold Plus H0028-074 (HMO)Humana · HMO1 of 15 counties · drug deductible $200Dental up to $4,000/yr · eyewear $100/yr | $0 | $3,400 | $3,400 | 4.5★ |
| 25 | Humana Total Complete (HMO)Humana · HMO1 of 15 counties · drug deductible $200Dental up to $4,000/yr · eyewear $100/yr | $0 | $3,400 | $3,400 | 4.5★ |
| 26 | Alignment Health ONE + Walgreens 001 (HMO)Alignment Health Plan · HMO1 of 15 counties · drug deductible $0Dental up to $2,000/yr · eyewear $300/yr · OTC items $300/yr | $0 | $3,499 | $3,499 | 4★ |
| 27 | AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS)UnitedHealthcare · HMO-POS2 of 15 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $3,500 | $3,500 | 4★ |
| 28 | AARP Medicare Advantage Extras from UHC AZ-4 (HMO-POS)UnitedHealthcare · HMO-POS1 of 15 counties · drug deductible $595Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $3,500 | $3,500 | 4★ |
| 29 | AARP Medicare Advantage from UHC AZ-002P (HMO-POS)UnitedHealthcare · HMO-POS2 of 15 counties · drug deductible $685Dental up to $3,500/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $3,500 | $3,500 | 4★ |
| 30 | Blue Best Life Classic (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO2 of 15 counties · drug deductible $500Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,550 | $3,550 | 3.5★ |
| 31 | Blue Best Life Classic (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO1 of 15 counties · drug deductible $500Dental up to $2,000/yr · eyewear $200/yr | $0 | $3,550 | $3,550 | 3.5★ |
| 32 | eternalHealth Harmony (HMO)eternalHealth · HMO3 of 15 counties · drug deductible $250Dental up to $1,000/yr · eyewear $200/yr · OTC items $440/yr | $0 | $4,000 | $4,000 | 2.5★ |
| 33 | eternalHealth Horizon (HMO)eternalHealth · HMO4 of 15 counties · drug deductible $200Dental up to $2,800/yr · eyewear $200/yr · OTC items $280/yr | $0 | $4,000 | $4,000 | 2.5★ |
| 34 | Humana Gold Plus H0028-021 (HMO)Humana · HMO2 of 15 counties · drug deductible $350Dental · eyewear $200/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 35 | Blue Best Life Select (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO2 of 15 counties · drug deductible $490Dental up to $1,000/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 36 | Blue Best Life Select (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) · HMO1 of 15 counties · drug deductible $490Dental up to $1,000/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 37 | DEVOTED CORE 001 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $650Dental up to $1,000/yr · eyewear $200/yr · OTC items $140/yr | $0 | $4,500 | $4,500 | 4★ |
| 38 | DEVOTED GIVEBACK EXTRAS 105 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $700Part B giveback $85/mo · Dental up to $4,250/yr · eyewear $400/yr · OTC items $948/yr | $0−$85 Part B giveback | $5,550 | $4,530 | 4.5★ |
| 39 | DEVOTED GIVEBACK EXTRAS 107 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $700Part B giveback $85/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $800/yr | $0−$85 Part B giveback | $5,650 | $4,630 | 4.5★ |
| 40 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO3 of 15 counties · drug deductible $300Part B giveback $170/mo · Dental up to $500/yr · eyewear $100/yr | $0−$170 Part B giveback | $6,900 | $4,860 | 3.5★ |
| 41 | Humana Value Choice (PPO)Humana · PPO3 of 15 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $5,220 | $5,220 | 4.5★ |
| 42 | HumanaChoice H5216-265 (PPO)Humana · PPO3 of 15 counties · drug deductible $700Dental up to $1,250/yr · eyewear $100/yr | $0 | $5,220 | $5,220 | 4★ |
| 43 | Humana Essentials Plus Giveback (PPO)Humana · PPO3 of 15 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$70 Part B giveback | $6,100 | $5,260 | 4.5★ |
| 44 | HumanaChoice Giveback H5216-371 (PPO)Humana · PPO3 of 15 counties · drug deductible $700Part B giveback $66/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$66 Part B giveback | $6,100 | $5,308 | 4★ |
| 45 | AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS)UnitedHealthcare · HMO-POS2 of 15 counties · drug deductible $685Dental up to $4,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $5,400 | $5,400 | 4★ |
| 46 | Humana Gold Plus H0028-024 (HMO)Humana · HMO1 of 15 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr | $0 | $5,400 | $5,400 | 4.5★ |
| 47 | HealthSpring True Choice (PPO)HealthSpring · PPO3 of 15 counties · drug deductible $600Dental up to $1,200/yr | $0 | $5,500 | $5,500 | 3★ |
| 48 | DEVOTED CHOICE 001 AZ (PPO)Devoted Health · PPO2 of 15 counties · drug deductible $650Dental up to $1,500/yr · eyewear $150/yr · OTC items $72/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 49 | DEVOTED CHOICE 003 AZ (PPO)Devoted Health · PPO1 of 15 counties · drug deductible $461Dental up to $2,500/yr · eyewear $300/yr · OTC items $160/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 50 | DEVOTED CORE 020 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $465Dental up to $1,500/yr · eyewear $200/yr · OTC items $120/yr | $0 | $5,900 | $5,900 | 4★ |
| 51 | Humana Gold Plus H2463-001 (HMO)Humana · HMO2 of 15 counties · drug deductible $700Dental up to $4,000/yr · eyewear $150/yr | $0 | $5,950 | $5,950 | 4★ |
| 52 | Humana Gold Plus H0028-062 (HMO)Humana · HMO1 of 15 counties · drug deductible $700Dental up to $1,250/yr · eyewear $350/yr | $0 | $5,999 | $5,999 | 4.5★ |
| 53 | HumanaChoice H5216-263 (PPO)Humana · PPO4 of 15 counties · drug deductible $400Dental up to $1,000/yr · eyewear $275/yr | $0 | $5,999 | $5,999 | 4★ |
| 54 | DEVOTED CORE 098 AZ (HMO)Devoted Health · HMO6 of 15 counties · drug deductible $650Dental up to $1,750/yr · eyewear $350/yr · OTC items $220/yr | $0 | $6,050 | $6,050 | 4.5★ |
| 55 | DEVOTED CHOICE 002 AZ (PPO)Devoted Health · PPO7 of 15 counties · drug deductible $465Dental up to $2,500/yr · eyewear $200/yr · OTC items $160/yr | $0 | $6,100 | $6,100 | 3.5★ |
| 56 | Humana Gold Plus H0028-028 (HMO)Humana · HMO3 of 15 counties · drug deductible $325Dental up to $500/yr · eyewear $100/yr | $0 | $6,550 | $6,550 | 4.5★ |
| 57 | DEVOTED GIVEBACK 091 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $560/yr | $0−$190 Part B giveback | $8,850 | $6,570 | 4.5★ |
| 58 | DEVOTED GIVEBACK 095 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $400/yr | $0−$190 Part B giveback | $8,850 | $6,570 | 4.5★ |
| 59 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO3 of 15 counties · drug deductible $700Dental up to $500/yr · eyewear $175/yr · hearing aids $1,000/yr per ear | $0 | $6,750 | $6,750 | 3★ |
| 60 | DEVOTED CORE 007 AZ (HMO)Devoted Health · HMO7 of 15 counties · drug deductible $650Dental up to $750/yr · eyewear $200/yr | $0 | $6,750 | $6,750 | 4★ |
| 61 | DEVOTED GIVEBACK 013 AZ (HMO)Devoted Health · HMO1 of 15 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $400/yr | $0−$174.70 Part B giveback | $8,900 | $6,804 | 4★ |
| 62 | DEVOTED GIVEBACK 019 AZ (HMO)Devoted Health · HMO2 of 15 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $560/yr | $0−$174.70 Part B giveback | $8,900 | $6,804 | 4★ |
| 63 | DEVOTED GIVEBACK EXTRAS 106 AZ (HMO)Devoted Health · HMO6 of 15 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $952/yr | $0−$85 Part B giveback | $7,850 | $6,830 | 4.5★ |
| 64 | AARP Medicare Advantage from UHC AZ-0007 (PPO)UnitedHealthcare · PPO1 of 15 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 65 | AARP Medicare Advantage from UHC AZ-0010 (PPO)UnitedHealthcare · PPO12 of 15 counties · drug deductible $685eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 66 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 15 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 67 | Humana Essentials Plus Giveback (PPO)Humana · PPO12 of 15 counties · drug deductible $450Part B giveback $52/mo · Dental up to $750/yr · eyewear $150/yr | $0−$52 Part B giveback | $7,850 | $7,226 | 4★ |
| 68 | DEVOTED CHOICE GIVEBACK 006 AZ (PPO)Devoted Health · PPO7 of 15 counties · drug deductible $461Part B giveback $125.60/mo · Dental up to $250/yr · eyewear $200/yr | $0−$125.60 Part B giveback | $9,450 | $7,943 | 3.5★ |
| 69 | DEVOTED GIVEBACK 099 AZ (HMO)Devoted Health · HMO6 of 15 counties · drug deductible $650Part B giveback $123.60/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $580/yr | $0−$123.60 Part B giveback | $9,450 | $7,967 | 4.5★ |
| 70 | Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS1 of 15 counties · drug deductible $200Dental up to $350/yr · eyewear $100/yr · hearing aids $1,000/yr · OTC items $60/yr | $0 | $8,300 | $8,300 | 3★ |
| 71 | Wellcare Simple (HMO)Wellcare · HMO4 of 15 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $750/yr per ear | $0 | $9,800 | $9,800 | 3.5★ |
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 Arizona Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Arizona for 2027?
71 of the 81 general-audience Medicare Advantage plans with drug coverage in Arizona 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 Arizona's $0 plans, the lowest in-network maximum is $1,899 and the median is $4,450.
Which $0 premium plan in Arizona has the lowest worst-case cost?
Alignment Health ONE 008 (HMO) from Alignment Health Plan, with an in-network out-of-pocket maximum of $1,899. It is sold in 1 of 15 counties.
Do any $0 premium plans in Arizona also have a Part B giveback?
Yes, 17 of them. See the Arizona 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 Arizona Medicare Advantage plans, ranked →
- Part B giveback plans in Arizona →
- Where $0 plans are disappearing in 2027 →
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