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 Indiana
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Indiana 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.
64$0-premium plans, of 90 with drug coverage
$3,900lowest in-network out-of-pocket max among them
15also pay part of your Part B premium
Showing all 64 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | MyTruAdvantage Select (HMO)MyTruAdvantage · HMO34 of 92 counties · drug deductible $300Dental up to $2,000/yr · eyewear $300/yr · OTC items $300/yr | $0 | $3,900 | $3,900 | 3.5★ |
| 2 | Humana Gold Plus H5619-189 (HMO-POS)Humana · HMO-POS43 of 92 counties · drug deductible $600Dental up to $1,000/yr · eyewear $100/yr | $0 | $4,350 | $4,350 | 4★ |
| 3 | AARP Medicare Advantage from UHC IN-001P (PPO)UnitedHealthcare · PPO5 of 92 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 4★ |
| 4 | AARP Medicare Advantage from UHC IN-13 (HMO-POS)UnitedHealthcare · HMO-POS20 of 92 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 5 | Humana Gold Plus H5619-189 (HMO-POS)Humana · HMO-POS11 of 92 counties · drug deductible $600Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | DEVOTED CHOICE 011 IN (PPO)Devoted Health · PPO23 of 92 counties · drug deductible $650Dental up to $4,000/yr · eyewear $300/yr · OTC items $600/yr | $0 | $4,550 | $4,550 | Not rated |
| 7 | MyTruAdvantage Choice Plus (PPO)MyTruAdvantage · PPO34 of 92 counties · drug deductible $500Dental up to $2,000/yr · eyewear $250/yr · OTC items $200/yr | $0 | $4,700 | $4,700 | 3.5★ |
| 8 | DEVOTED CHOICE 005 IN (PPO)Devoted Health · PPO16 of 92 counties · drug deductible $465Dental up to $2,000/yr · eyewear $300/yr · OTC items $400/yr | $0 | $4,800 | $4,800 | Not rated |
| 9 | DEVOTED CHOICE 001 IN (PPO)Devoted Health · PPO14 of 92 counties · drug deductible $650Dental up to $2,000/yr · eyewear $300/yr · OTC items $248/yr | $0 | $4,850 | $4,850 | Not rated |
| 10 | DEVOTED CHOICE 008 IN (PPO)Devoted Health · PPO17 of 92 counties · drug deductible $650Dental up to $4,000/yr · eyewear $300/yr · OTC items $340/yr | $0 | $4,900 | $4,900 | Not rated |
| 11 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 92 counties · drug deductible $500Preventive dental · eyewear $125/yr · hearing aids $500/yr per ear | $0 | $5,000 | $5,000 | 4★ |
| 12 | Zing Elite Select IL-IN (HMO)Zing Health · HMO2 of 92 counties · drug deductible $350Dental up to $2,000/yr · eyewear $300/yr · hearing aids $250/yr per ear · OTC items $752/yr | $0 | $5,100 | $5,100 | 3.5★ |
| 13 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO8 of 92 counties · drug deductible $500Dental up to $750/yr · eyewear $150/yr · hearing aids $750/yr per ear · OTC items $60/yr | $0 | $5,200 | $5,200 | 4★ |
| 14 | AARP Medicare Advantage Essentials from UHC IN-10 (HMO-POS)UnitedHealthcare · HMO-POS5 of 92 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,400 | $5,400 | 3.5★ |
| 15 | Essence Advantage (HMO)Essence Healthcare · HMO9 of 92 counties · drug deductible $340Dental up to $2,400/yr · eyewear $200/yr · hearing aids $1,000/yr · OTC items $120/yr | $0 | $5,400 | $5,400 | 4★ |
| 16 | AARP Medicare Advantage from UHC IN-0006 (PPO)UnitedHealthcare · PPO13 of 92 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 17 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO17 of 92 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 18 | Humana Gold Plus H5619-051 (HMO-POS)Humana · HMO-POS12 of 92 counties · drug deductible $600Dental up to $1,000/yr · eyewear $100/yr | $0 | $5,900 | $5,900 | 4★ |
| 19 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS90 of 92 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $180/yr | $0 | $5,900 | $5,900 | 3★ |
| 20 | Zing Select Care IN (HMO)Zing Health · HMO13 of 92 counties · drug deductible $450Dental up to $2,000/yr · eyewear $300/yr · hearing aids $250/yr per ear · OTC items $140/yr | $0 | $5,950 | $5,950 | 3.5★ |
| 21 | DEVOTED CHOICE GIVEBACK EXTRAS 024 IN (PPO)Devoted Health · PPO14 of 92 counties · drug deductible $700Part B giveback $90/mo · Dental up to $2,250/yr · eyewear $350/yr · OTC items $400/yr | $0−$90 Part B giveback | $7,100 | $6,020 | Not rated |
| 22 | Wellcare Simple Open (PPO)Wellcare · PPO90 of 92 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $6,200 | $6,200 | 2.5★ |
| 23 | DEVOTED CHOICE GIVEBACK EXTRAS 023 IN (PPO)Devoted Health · PPO23 of 92 counties · drug deductible $700Part B giveback $90/mo · Dental up to $4,250/yr · eyewear $350/yr · OTC items $340/yr | $0−$90 Part B giveback | $7,300 | $6,220 | Not rated |
| 24 | DEVOTED CHOICE GIVEBACK EXTRAS 025 IN (PPO)Devoted Health · PPO16 of 92 counties · drug deductible $700Part B giveback $90/mo · Dental up to $2,250/yr · eyewear $350/yr · OTC items $296/yr | $0−$90 Part B giveback | $7,350 | $6,270 | Not rated |
| 25 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO11 of 92 counties · drug deductible $500Dental up to $750/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,350 | $6,350 | 4★ |
| 26 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO15 of 92 counties · drug deductible $500Dental up to $2,000/yr · eyewear $125/yr · hearing aids $1,000/yr per ear | $0 | $6,350 | $6,350 | 4★ |
| 27 | DEVOTED CHOICE GIVEBACK EXTRAS 026 IN (PPO)Devoted Health · PPO17 of 92 counties · drug deductible $700Part B giveback $90/mo · Dental up to $4,250/yr · eyewear $350/yr · OTC items $708/yr | $0−$90 Part B giveback | $7,500 | $6,420 | Not rated |
| 28 | HumanaChoice H5216-226 (PPO)Humana · PPO1 of 92 counties · drug deductible $700Part B giveback $10/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$10 Part B giveback | $6,600 | $6,480 | 4★ |
| 29 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS13 of 92 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 30 | AARP Medicare Advantage Giveback from UHC IN-20 (HMO-POS)UnitedHealthcare · HMO-POS68 of 92 counties · drug deductible $685Part B giveback $47/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$47 Part B giveback | $7,150 | $6,586 | 3.5★ |
| 31 | AARP Medicare Advantage Essentials from UHC IN-11 (HMO-POS)UnitedHealthcare · HMO-POS7 of 92 counties · drug deductible $685Preventive dental · eyewear $100/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 32 | AARP Medicare Advantage Essentials from UHC IN-12 (HMO-POS)UnitedHealthcare · HMO-POS32 of 92 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 33 | Humana Gold Plus H5619-188 (HMO)Humana · HMO2 of 92 counties · drug deductible $0Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,700 | $6,700 | 4★ |
| 34 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS12 of 92 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $750/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 35 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO19 of 92 counties · drug deductible $500Dental up to $1,000/yr · eyewear $100/yr · hearing aids $750/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 4★ |
| 36 | Humana Value Choice (PPO)Humana · PPO66 of 92 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,000 | $7,000 | 4★ |
| 37 | AARP Medicare Advantage Extras from UHC IN-16 (HMO-POS)UnitedHealthcare · HMO-POS12 of 92 counties · drug deductible $685Dental up to $3,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 38 | AARP Medicare Advantage Extras from UHC IN-17 (HMO-POS)UnitedHealthcare · HMO-POS32 of 92 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 39 | AARP Medicare Advantage from UHC IN-0009 (PPO)UnitedHealthcare · PPO20 of 92 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 40 | AARP Medicare Advantage from UHC IN-19 (HMO-POS)UnitedHealthcare · HMO-POS4 of 92 counties · drug deductible $685Dental up to $1,000/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 41 | Anthem Medicare Advantage 4 (HMO-POS)Anthem HealthKeepers · HMO-POS38 of 92 counties · drug deductible $300Dental up to $1,500/yr | $0 | $7,150 | $7,150 | 3★ |
| 42 | Anthem Medicare Advantage 7 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS3 of 92 counties · drug deductible $595Dental up to $500/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 43 | Anthem Medicare Advantage 7 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS42 of 92 counties · drug deductible $595Dental up to $500/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 44 | Anthem Medicare Advantage 7 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS13 of 92 counties · drug deductible $595Dental up to $500/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 45 | Anthem Medicare Advantage 7 (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS8 of 92 counties · drug deductible $595Dental up to $500/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 46 | Humana Full Access (PPO)Humana · PPO78 of 92 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 47 | Humana Value Choice (PPO)Humana · PPO2 of 92 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 48 | HumanaChoice H5216-317 (PPO)Humana · PPO2 of 92 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 49 | HumanaChoice H5525-008 (PPO)Humana · PPO16 of 92 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 50 | DEVOTED CHOICE GIVEBACK 002 IN (PPO)Devoted Health · PPO14 of 92 counties · drug deductible $461Part B giveback $183/mo · Dental up to $250/yr · eyewear $200/yr | $0−$183 Part B giveback | $9,650 | $7,454 | Not rated |
| 51 | DEVOTED CHOICE GIVEBACK 006 IN (PPO)Devoted Health · PPO16 of 92 counties · drug deductible $461Part B giveback $174.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$174.90 Part B giveback | $9,850 | $7,751 | Not rated |
| 52 | Zing Open Choice IN (PPO)Zing Health · PPO13 of 92 counties · drug deductible $450Dental up to $1,500/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $200/yr | $0 | $7,900 | $7,900 | 3.5★ |
| 53 | DEVOTED CHOICE GIVEBACK 012 IN (PPO)Devoted Health · PPO23 of 92 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $9,850 | $7,931 | Not rated |
| 54 | DEVOTED CHOICE GIVEBACK 009 IN (PPO)Devoted Health · PPO17 of 92 counties · drug deductible $461Part B giveback $158.10/mo · Dental up to $250/yr · eyewear $200/yr | $0−$158.10 Part B giveback | $9,850 | $7,953 | Not rated |
| 55 | Humana Essentials Plus Giveback (PPO)Humana · PPO3 of 92 counties · drug deductible $700Part B giveback $126/mo · Dental up to $500/yr · eyewear $100/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4.5★ |
| 56 | HumanaChoice Giveback H5216-322 (PPO)Humana · PPO3 of 92 counties · drug deductible $700Part B giveback $126/mo · Dental up to $500/yr · eyewear $100/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4★ |
| 57 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 92 counties · drug deductible $700Part B giveback $124/mo · Dental up to $500/yr · eyewear $100/yr | $0−$124 Part B giveback | $9,850 | $8,362 | 4.5★ |
| 58 | HumanaChoice Giveback H5216-481 (PPO)Humana · PPO67 of 92 counties · drug deductible $700Part B giveback $123/mo · Dental up to $500/yr · eyewear $100/yr | $0−$123 Part B giveback | $9,850 | $8,374 | 4★ |
| 59 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS3 of 92 counties · drug deductible $150Dental up to $1,000/yr | $0 | $8,750 | $8,750 | 3★ |
| 60 | Wellcare Giveback Open (PPO)Wellcare · PPO90 of 92 counties · drug deductible $700Part B giveback $39.50/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $350/yr per ear · OTC items $180/yr | $0−$39.50 Part B giveback | $9,850 | $9,376 | 2.5★ |
| 61 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS42 of 92 counties · drug deductible $150Preventive dental · eyewear $200/yr · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 62 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS13 of 92 counties · drug deductible $150Dental up to $1,500/yr · eyewear $100/yr · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 63 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS8 of 92 counties · drug deductible $150Dental up to $1,000/yr · eyewear $100/yr · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 64 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS17 of 92 counties · drug deductible $300Dental up to $1,000/yr · eyewear $125/yr · hearing aids $2,000/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 Indiana Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Indiana for 2027?
64 of the 90 general-audience Medicare Advantage plans with drug coverage in Indiana 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 Indiana's $0 plans, the lowest in-network maximum is $3,900 and the median is $7,125.
Which $0 premium plan in Indiana has the lowest worst-case cost?
MyTruAdvantage Select (HMO) from MyTruAdvantage, with an in-network out-of-pocket maximum of $3,900. It is sold in 34 of 92 counties.
Do any $0 premium plans in Indiana also have a Part B giveback?
Yes, 15 of them. See the Indiana 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 Indiana Medicare Advantage plans, ranked →
- Part B giveback plans in Indiana →
- Where $0 plans are disappearing in 2027 →
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