$0 Premium Medicare Advantage Plans in Arkansas
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Arkansas 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 37 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Essence Advantage (HMO)Essence Healthcare · HMO17 of 75 counties · drug deductible $450Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $80/yr | $0 | $4,000 | $4,000 | 4★ |
| 2 | Healthy Arkansas Premier Advantage (HMO-POS)Healthy Arkansas, Inc. · HMO-POS35 of 75 counties · drug deductible $0Part B giveback $5/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,950/yr · OTC items $300/yr | $0−$5 Part B giveback | $4,600 | $4,540 | Too new to rate |
| 3 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS4 of 75 counties · drug deductible $400Dental up to $2,000/yr · eyewear $225/yr · hearing aids $500/yr per ear · OTC items $240/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 4 | Humana Total Complete (HMO-POS)Humana · HMO-POS52 of 75 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $0 | $4,900 | $4,900 | 4★ |
| 5 | HumanaChoice H5216-231 (PPO)Humana · PPO57 of 75 counties · drug deductible $520Dental up to $1,250/yr · eyewear $200/yr | $0 | $4,900 | $4,900 | 4★ |
| 6 | Healthy Arkansas Preferred (PPO)Healthy Arkansas, Inc. · PPO35 of 75 counties · drug deductible $0Part B giveback $105/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,950/yr · OTC items $180/yr | $0−$105 Part B giveback | $6,200 | $4,940 | Too new to rate |
| 7 | HealthSpring Preferred (HMO)HealthSpring · HMO16 of 75 counties · drug deductible $500Dental up to $1,600/yr · eyewear $225/yr · OTC items $200/yr | $0 | $4,950 | $4,950 | 3.5★ |
| 8 | Humana Value Choice (PPO)Humana · PPO58 of 75 counties · drug deductible $520Dental up to $1,000/yr · eyewear $200/yr | $0 | $5,650 | $5,650 | 4.5★ |
| 9 | HumanaChoice H5216-337 (PPO)Humana · PPO58 of 75 counties · drug deductible $520Dental up to $1,000/yr · eyewear $200/yr | $0 | $5,650 | $5,650 | 4★ |
| 10 | DEVOTED CHOICE 001 AR (PPO)Devoted Health · PPO40 of 75 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $252/yr | $0 | $5,700 | $5,700 | Not rated |
| 11 | HealthSpring Preferred (HMO)HealthSpring · HMO12 of 75 counties · drug deductible $500Dental up to $1,900/yr · eyewear $100/yr · OTC items $120/yr | $0 | $6,000 | $6,000 | 3.5★ |
| 12 | HealthSpring Preferred (HMO)HealthSpring · HMO15 of 75 counties · drug deductible $500Dental up to $1,650/yr · eyewear $100/yr · OTC items $120/yr | $0 | $6,000 | $6,000 | 3.5★ |
| 13 | AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,100 | $6,100 | 3.5★ |
| 14 | AARP Medicare Advantage from UHC AR-0004 (PPO)UnitedHealthcare · PPO74 of 75 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 15 | Aetna Medicare Signature Extra Plus (PPO)Aetna Medicare · PPO4 of 75 counties · drug deductible $600Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,500 | $6,500 | 4★ |
| 16 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO21 of 75 counties · drug deductible $600Dental up to $3,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $680/yr | $0 | $6,750 | $6,750 | 4★ |
| 17 | Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO21 of 75 counties · drug deductible $600Dental up to $3,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $540/yr | $0 | $6,750 | $6,750 | 4★ |
| 18 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS13 of 75 counties · drug deductible $400Dental up to $3,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $300/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 19 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO3 of 75 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 20 | Aetna Medicare Signature Plus (HMO)Aetna Medicare · HMO32 of 75 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 21 | DEVOTED CHOICE GIVEBACK EXTRAS 012 AR (PPO)Devoted Health · PPO40 of 75 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $796/yr | $0−$70 Part B giveback | $7,600 | $6,760 | Not rated |
| 22 | Humana Essentials Plus Giveback (PPO)Humana · PPO65 of 75 counties · drug deductible $700Part B giveback $93/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$93 Part B giveback | $7,925 | $6,809 | 4.5★ |
| 23 | HumanaChoice Giveback H5216-264 (PPO)Humana · PPO65 of 75 counties · drug deductible $700Part B giveback $91/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$91 Part B giveback | $7,925 | $6,833 | 4★ |
| 24 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS52 of 75 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,100 | $7,100 | 3★ |
| 25 | AARP Medicare Advantage Extras from UHC AR-7 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Dental up to $2,500/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 26 | BlueMedicare Classic Plus (HMO)Arkansas Blue Medicare · HMO23 of 75 counties · drug deductible $560Dental up to $3,000/yr · eyewear $150/yr · hearing aids $333/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 27 | BlueMedicare Premier (HMO)Arkansas Blue Medicare · HMO30 of 75 counties · drug deductible $560Dental up to $3,000/yr · eyewear $150/yr · hearing aids $333/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 2.5★ |
| 28 | DEVOTED CHOICE GIVEBACK 002 AR (PPO)Devoted Health · PPO40 of 75 counties · drug deductible $461Part B giveback $164.50/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.50 Part B giveback | $9,850 | $7,876 | Not rated |
| 29 | Essence Advantage Choice (PPO)Essence Healthcare · PPO10 of 75 counties · drug deductible $700Dental up to $400/yr · eyewear $175/yr · hearing aids $500/yr | $0 | $8,200 | $8,200 | 4★ |
| 30 | Aetna Medicare Signature Classic Giveback (PPO)Aetna Medicare · PPO9 of 75 counties · drug deductible $600Part B giveback $68/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$68 Part B giveback | $9,250 | $8,434 | 4★ |
| 31 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO9 of 75 counties · drug deductible $600Part B giveback $68/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$68 Part B giveback | $9,250 | $8,434 | 4★ |
| 32 | HealthSpring True Choice (PPO)HealthSpring · PPO12 of 75 counties · drug deductible $700Dental up to $600/yr · eyewear $100/yr | $0 | $9,000 | $9,000 | 3★ |
| 33 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 75 counties · drug deductible $700Dental up to $500/yr · eyewear $125/yr | $0 | $9,000 | $9,000 | 3★ |
| 34 | AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Part B giveback $67/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$67 Part B giveback | $9,850 | $9,046 | 3.5★ |
| 35 | Aetna Medicare Signature Classic Plus (PPO)Aetna Medicare · PPO39 of 75 counties · drug deductible $600Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,250 | $9,250 | 4★ |
| 36 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO39 of 75 counties · drug deductible $600Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,250 | $9,250 | 4★ |
| 37 | HealthSpring True Choice (PPO)HealthSpring · PPO15 of 75 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
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 Arkansas Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Arkansas for 2027?
37 of the 45 general-audience Medicare Advantage plans with drug coverage in Arkansas 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 Arkansas's $0 plans, the lowest in-network maximum is $4,000 and the median is $6,750.
Which $0 premium plan in Arkansas has the lowest worst-case cost?
Essence Advantage (HMO) from Essence Healthcare, with an in-network out-of-pocket maximum of $4,000. It is sold in 17 of 75 counties.
Do any $0 premium plans in Arkansas also have a Part B giveback?
Yes, 9 of them. See the Arkansas 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 Arkansas Medicare Advantage plans, ranked →
- Part B giveback plans in Arkansas →
- Where $0 plans are disappearing in 2027 →
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