$0 Premium Medicare Advantage Plans in Iowa
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Iowa 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 17 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H0028-053 (HMO)Humana · HMO46 of 99 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $4,200 | $4,200 | 4.5★ |
| 2 | HumanaChoice Giveback H5216-340 (PPO)Humana · PPO96 of 99 counties · drug deductible $700Part B giveback $63/mo · Dental up to $4,000/yr · eyewear $100/yr | $0−$63 Part B giveback | $5,000 | $4,244 | 4★ |
| 3 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS76 of 99 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 2.5★ |
| 4 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS52 of 99 counties · drug deductible $500Dental up to $750/yr · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $4,450 | $4,450 | 4★ |
| 5 | Aetna Medicare Value Care (HMO-POS)Aetna Medicare · HMO-POS85 of 99 counties · drug deductible $300Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $180/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | DEVOTED CORE 034 IA (HMO)Devoted Health · HMO47 of 99 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $112/yr | $0 | $4,750 | $4,750 | 4.5★ |
| 7 | MercyOne Health Plan Choice (PPO)MediGold · PPO57 of 99 counties · drug deductible $450Dental up to $1,000/yr · eyewear $150/yr · OTC items $160/yr | $0 | $4,900 | $4,900 | 3★ |
| 8 | MercyOne Health Plan No Premium (HMO)MediGold · HMO57 of 99 counties · drug deductible $500Dental up to $1,000/yr · eyewear $200/yr · OTC items $100/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 9 | DEVOTED GIVEBACK EXTRAS 108 IA (HMO)Devoted Health · HMO47 of 99 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $560/yr | $0−$75 Part B giveback | $5,900 | $5,000 | 4.5★ |
| 10 | DEVOTED GIVEBACK 035 IA (HMO)Devoted Health · HMO47 of 99 counties · drug deductible $461Part B giveback $159.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.70 Part B giveback | $7,150 | $5,234 | 4.5★ |
| 11 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS51 of 99 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $1,250/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 12 | AARP Medicare Advantage Essentials from UHC NE-3 (HMO-POS)UnitedHealthcare · HMO-POS1 of 99 counties · drug deductible $685Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 13 | AARP Medicare Advantage Extras from UHC NE-5 (HMO-POS)UnitedHealthcare · HMO-POS1 of 99 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 14 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO53 of 99 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 15 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO53 of 99 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 16 | Gundersen Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 99 counties · drug deductible $270Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 17 | MercyOne Health Plan Cash Back (HMO)MediGold · HMO57 of 99 counties · drug deductible $375Part B giveback $100/mo · Preventive dental up to $1,000/yr · eyewear $150/yr · OTC items $100/yr | $0−$100 Part B giveback | $8,900 | $7,700 | 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 Iowa Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Iowa for 2027?
17 of the 32 general-audience Medicare Advantage plans with drug coverage in Iowa 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 Iowa's $0 plans, the lowest in-network maximum is $4,200 and the median is $5,500.
Which $0 premium plan in Iowa has the lowest worst-case cost?
Humana Gold Plus H0028-053 (HMO) from Humana, with an in-network out-of-pocket maximum of $4,200. It is sold in 46 of 99 counties.
Do any $0 premium plans in Iowa also have a Part B giveback?
Yes, 4 of them. See the Iowa 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 Iowa Medicare Advantage plans, ranked →
- Part B giveback plans in Iowa →
- Where $0 plans are disappearing in 2027 →
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