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 Georgia
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Georgia 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.
61$0-premium plans, of 80 with drug coverage
$5,900lowest in-network out-of-pocket max among them
18also pay part of your Part B premium
Showing all 61 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Aetna Medicare Prime Care (HMO)Aetna Medicare · HMO17 of 159 counties · drug deductible $500Dental up to $3,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 2 | HealthSpring Preferred GA (HMO)HealthSpring · HMO12 of 159 counties · drug deductible $500Dental up to $650/yr · eyewear $100/yr | $0 | $6,500 | $6,500 | 3★ |
| 3 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 159 counties · drug deductible $500Dental up to $1,200/yr · eyewear $150/yr · OTC items $140/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 4 | Kaiser Permanente Senior Advantage Basic 2 (HMO)Kaiser Permanente · HMO6 of 159 counties · drug deductible $0Dental · eyewear $500/yr · OTC items $140/yr | $0 | $6,800 | $6,800 | 4.5★ |
| 5 | AARP Medicare Advantage from UHC GA-10 (HMO-POS)UnitedHealthcare · HMO-POS157 of 159 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 6 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 159 counties · drug deductible $400Dental up to $1,200/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 7 | HealthSpring Preferred (HMO)HealthSpring · HMO13 of 159 counties · drug deductible $400Dental up to $800/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 8 | HealthSpring Preferred (HMO)HealthSpring · HMO6 of 159 counties · drug deductible $400Dental up to $1,200/yr · eyewear $100/yr · OTC items $120/yr | $0 | $7,150 | $7,150 | 3★ |
| 9 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 159 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 3★ |
| 10 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 159 counties · drug deductible $400Dental up to $550/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 11 | DEVOTED CHOICE 001 GA (PPO)Devoted Health · PPO16 of 159 counties · drug deductible $461Dental up to $3,500/yr · eyewear $350/yr · OTC items $400/yr | $0 | $7,400 | $7,400 | 4★ |
| 12 | Humana Gold Plus H4141-017 (HMO)Humana · HMO33 of 159 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 13 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS141 of 159 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr · hearing aids $350/yr per ear | $0 | $7,500 | $7,500 | 3.5★ |
| 14 | DEVOTED CHOICE GIVEBACK EXTRAS 022 GA (PPO)Devoted Health · PPO16 of 159 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,500/yr · eyewear $400/yr · OTC items $272/yr | $0−$85 Part B giveback | $8,550 | $7,530 | 4★ |
| 15 | DEVOTED CHOICE GIVEBACK 002 GA (PPO)Devoted Health · PPO16 of 159 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 4★ |
| 16 | DEVOTED CHOICE 004 GA (PPO)Devoted Health · PPO103 of 159 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $332/yr | $0 | $7,850 | $7,850 | 4★ |
| 17 | DEVOTED CHOICE 010 GA (PPO)Devoted Health · PPO14 of 159 counties · drug deductible $461Dental up to $3,500/yr · eyewear $350/yr · OTC items $400/yr | $0 | $7,850 | $7,850 | 4★ |
| 18 | DEVOTED CHOICE GIVEBACK 011 GA (PPO)Devoted Health · PPO14 of 159 counties · drug deductible $461Part B giveback $164.80/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.80 Part B giveback | $9,850 | $7,872 | 4★ |
| 19 | DEVOTED CHOICE GIVEBACK EXTRAS 023 GA (PPO)Devoted Health · PPO103 of 159 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,500/yr · eyewear $400/yr · OTC items $324/yr | $0−$85 Part B giveback | $8,900 | $7,880 | 4★ |
| 20 | DEVOTED CHOICE GIVEBACK EXTRAS 024 GA (PPO)Devoted Health · PPO14 of 159 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,500/yr · eyewear $400/yr · OTC items $332/yr | $0−$85 Part B giveback | $8,900 | $7,880 | 4★ |
| 21 | DEVOTED CHOICE GIVEBACK 005 GA (PPO)Devoted Health · PPO103 of 159 counties · drug deductible $461Part B giveback $164.10/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.10 Part B giveback | $9,850 | $7,881 | 4★ |
| 22 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO6 of 159 counties · drug deductible $400Dental up to $1,500/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $7,900 | $7,900 | 4★ |
| 23 | Humana Gold Plus Giveback H4141-022 (HMO)Humana · HMO41 of 159 counties · drug deductible $700Part B giveback $118/mo · Dental · eyewear $150/yr | $0−$118 Part B giveback | $9,850 | $8,434 | 3.5★ |
| 24 | Kaiser Permanente Senior Advantage Basic 1 (HMO)Kaiser Permanente · HMO12 of 159 counties · drug deductible $0Dental · eyewear $500/yr · OTC items $140/yr | $0 | $8,450 | $8,450 | 4.5★ |
| 25 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS41 of 159 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr · hearing aids $1,000/yr per ear | $0 | $8,500 | $8,500 | 3.5★ |
| 26 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS44 of 159 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $8,500 | $8,500 | 3.5★ |
| 27 | Clover Health LiveHealthy Giveback (PPO)Clover Health · PPO139 of 159 counties · drug deductible $425Part B giveback $110/mo · Preventive dental up to $1,000/yr · eyewear $200/yr · OTC items $120/yr | $0−$110 Part B giveback | $9,850 | $8,530 | 5★ |
| 28 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO17 of 159 counties · drug deductible $700Part B giveback $109/mo · Dental up to $500/yr · eyewear $100/yr | $0−$109 Part B giveback | $9,850 | $8,542 | 3★ |
| 29 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO8 of 159 counties · drug deductible $700Part B giveback $108/mo · Dental up to $500/yr · eyewear $100/yr | $0−$108 Part B giveback | $9,850 | $8,554 | 3★ |
| 30 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO6 of 159 counties · drug deductible $700Part B giveback $108/mo · Dental up to $500/yr · eyewear $100/yr | $0−$108 Part B giveback | $9,850 | $8,554 | 3★ |
| 31 | HumanaChoice Giveback H7617-094 (PPO)Humana · PPO129 of 159 counties · drug deductible $700Part B giveback $108/mo · Dental · eyewear $150/yr | $0−$108 Part B giveback | $9,850 | $8,554 | 4.5★ |
| 32 | HumanaChoice Giveback H5216-345 (PPO)Humana · PPO124 of 159 counties · drug deductible $700Part B giveback $106/mo · Dental · eyewear $150/yr | $0−$106 Part B giveback | $9,850 | $8,578 | 4★ |
| 33 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO8 of 159 counties · drug deductible $700Part B giveback $103/mo · Dental up to $500/yr · eyewear $100/yr | $0−$103 Part B giveback | $9,850 | $8,614 | 3★ |
| 34 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS1 of 159 counties · drug deductible $700Dental up to $2,000/yr | $0 | $8,800 | $8,800 | 3.5★ |
| 35 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS141 of 159 counties · drug deductible $700Part B giveback $67/mo · Dental · eyewear $100/yr · hearing aids $350/yr per ear | $0−$67 Part B giveback | $9,850 | $9,046 | 3.5★ |
| 36 | HumanaChoice Giveback H7617-119 (PPO)Humana · PPO10 of 159 counties · drug deductible $700Part B giveback $65/mo · Dental · eyewear $100/yr | $0−$65 Part B giveback | $9,850 | $9,070 | 4.5★ |
| 37 | HumanaChoice H5216-347 (PPO)Humana · PPO10 of 159 counties · drug deductible $700Dental up to $2,500/yr · eyewear $200/yr | $0 | $9,100 | $9,100 | 4★ |
| 38 | HumanaChoice H7617-095 (PPO)Humana · PPO10 of 159 counties · drug deductible $700Dental up to $2,500/yr · eyewear $200/yr | $0 | $9,100 | $9,100 | 4.5★ |
| 39 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS55 of 159 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $350/yr per ear | $0 | $9,250 | $9,250 | 3.5★ |
| 40 | Wellcare Simple Open (PPO)Wellcare · PPO141 of 159 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,250 | $9,250 | 3.5★ |
| 41 | HumanaChoice Giveback H5216-154 (PPO)Humana · PPO147 of 159 counties · drug deductible $700Part B giveback $47/mo · Dental · eyewear $100/yr | $0−$47 Part B giveback | $9,850 | $9,286 | 4★ |
| 42 | HealthSpring Preferred (HMO)HealthSpring · HMO4 of 159 counties · drug deductible $400Dental up to $650/yr · eyewear $100/yr | $0 | $9,350 | $9,350 | 3★ |
| 43 | Aetna Medicare Elite Giveback (PPO)Aetna Medicare · PPO13 of 159 counties · drug deductible $600Part B giveback $30/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$30 Part B giveback | $9,850 | $9,490 | 3.5★ |
| 44 | Kaiser Permanente Senior Advantage Care Plus (HMO-POS)Kaiser Permanente · HMO-POS12 of 159 counties · drug deductible $0Dental · eyewear $300/yr · OTC items $100/yr | $0 | $9,650 | $9,650 | 4.5★ |
| 45 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO63 of 159 counties · drug deductible $600Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 46 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO12 of 159 counties · drug deductible $700Dental up to $1,500/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 47 | Aetna Medicare Elite Plus (PPO)Aetna Medicare · PPO111 of 159 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 48 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO24 of 159 counties · drug deductible $500Dental up to $2,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 49 | Aetna Medicare Signature Care (PPO)Aetna Medicare · PPO24 of 159 counties · drug deductible $600Dental up to $1,500/yr · eyewear $125/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 50 | Clover Health LiveHealthy (PPO)Clover Health · PPO151 of 159 counties · drug deductible $350Dental up to $1,500/yr · eyewear $200/yr · OTC items $180/yr | $0 | $9,850 | $9,850 | 5★ |
| 51 | HealthSpring True Choice (PPO)HealthSpring · PPO42 of 159 counties · drug deductible $700Dental up to $400/yr | $0 | $9,850 | $9,850 | 3★ |
| 52 | HealthSpring True Choice (PPO)HealthSpring · PPO3 of 159 counties · drug deductible $700Dental up to $250/yr | $0 | $9,850 | $9,850 | 3★ |
| 53 | Humana Gold Plus H4141-015 (HMO)Humana · HMO5 of 159 counties · drug deductible $450Dental up to $1,250/yr · eyewear $250/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 54 | Humana Gold Plus H4141-017 (HMO)Humana · HMO30 of 159 counties · drug deductible $700Dental up to $1,750/yr · eyewear $300/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 55 | Humana Gold Plus H4141-023 (HMO)Humana · HMO42 of 159 counties · drug deductible $550Dental up to $3,000/yr · eyewear $250/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 56 | HumanaChoice H5216-203 (PPO)Humana · PPO11 of 159 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 57 | HumanaChoice H5216-203 (PPO)Humana · PPO30 of 159 counties · drug deductible $700Dental up to $1,000/yr · eyewear $250/yr | $0 | $9,850 | $9,850 | 4★ |
| 58 | HumanaChoice H5216-207 (PPO)Humana · PPO55 of 159 counties · drug deductible $450Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 59 | HumanaChoice H5216-421 (PPO)Humana · PPO154 of 159 counties · drug deductible $700Dental up to $1,750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 60 | HumanaChoice H7617-092 (PPO)Humana · PPO31 of 159 counties · drug deductible $700Dental up to $1,250/yr · eyewear $250/yr | $0 | $9,850 | $9,850 | 4.5★ |
| 61 | HumanaChoice H7617-093 (PPO)Humana · PPO158 of 159 counties · drug deductible $700Dental up to $1,250/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4.5★ |
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 Georgia Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Georgia for 2027?
61 of the 80 general-audience Medicare Advantage plans with drug coverage in Georgia 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 Georgia's $0 plans, the lowest in-network maximum is $5,900 and the median is $9,850.
Which $0 premium plan in Georgia has the lowest worst-case cost?
Aetna Medicare Prime Care (HMO) from Aetna Medicare, with an in-network out-of-pocket maximum of $5,900. It is sold in 17 of 159 counties.
Do any $0 premium plans in Georgia also have a Part B giveback?
Yes, 18 of them. See the Georgia 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 Georgia Medicare Advantage plans, ranked →
- Part B giveback plans in Georgia →
- Where $0 plans are disappearing in 2027 →
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