$0 Premium Medicare Advantage Plans in Kentucky
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Kentucky 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 47 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Community (HMO)Humana · HMO1 of 120 counties · drug deductible $700Part B giveback $5/mo · Dental up to $5,000/yr · eyewear $450/yr | $0−$5 Part B giveback | $4,250 | $4,190 | 4.5★ |
| 2 | Humana Community (HMO)Humana · HMO5 of 120 counties · drug deductible $700Dental up to $2,000/yr · eyewear $225/yr | $0 | $4,350 | $4,350 | 4.5★ |
| 3 | Humana Gold Plus H5619-189 (HMO-POS)Humana · HMO-POS1 of 120 counties · drug deductible $600Dental up to $1,000/yr · eyewear $100/yr | $0 | $4,350 | $4,350 | 4★ |
| 4 | Humana Community (HMO)Humana · HMO1 of 120 counties · drug deductible $700Dental up to $2,500/yr · eyewear $350/yr | $0 | $4,450 | $4,450 | Not rated |
| 5 | Humana Gold Plus H0292-003 (HMO)Humana · HMO5 of 120 counties · drug deductible $450Dental up to $1,000/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 6 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS4 of 120 counties · drug deductible $595Dental up to $1,500/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $100/yr | $0 | $4,970 | $4,970 | 3.5★ |
| 7 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS26 of 120 counties · drug deductible $400Preventive dental · eyewear $175/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 8 | Essence Advantage (HMO)Essence Healthcare · HMO21 of 120 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★ |
| 9 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS9 of 120 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $5,500 | $5,500 | 3.5★ |
| 10 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 120 counties · drug deductible $400Part B giveback $90/mo · Dental up to $350/yr · eyewear $100/yr | $0−$90 Part B giveback | $6,950 | $5,870 | 2.5★ |
| 11 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 120 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · OTC items $60/yr | $0 | $5,875 | $5,875 | 2.5★ |
| 12 | AARP Medicare Advantage Essentials from UHC OH-7 (HMO-POS)UnitedHealthcare · HMO-POS5 of 120 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 13 | DEVOTED CHOICE 001 KY (PPO)Devoted Health · PPO87 of 120 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $248/yr | $0 | $6,050 | $6,050 | 4★ |
| 14 | DEVOTED CHOICE 003 KY (PPO)Devoted Health · PPO14 of 120 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $248/yr | $0 | $6,050 | $6,050 | 4★ |
| 15 | AARP Medicare Advantage Giveback from UHC KY-4 (HMO-POS)UnitedHealthcare · HMO-POS115 of 120 counties · drug deductible $685Part B giveback $81/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$81 Part B giveback | $7,150 | $6,178 | 4★ |
| 16 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO14 of 120 counties · drug deductible $500Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $180/yr | $0 | $6,350 | $6,350 | 4★ |
| 17 | HumanaChoice H5216-226 (PPO)Humana · PPO83 of 120 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★ |
| 18 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS23 of 120 counties · drug deductible $400Dental up to $1,000/yr · eyewear $175/yr · hearing aids $1,000/yr per ear · OTC items $220/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 19 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS18 of 120 counties · drug deductible $400Preventive dental · eyewear $125/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 20 | Humana Gold Plus H5619-188 (HMO)Humana · HMO50 of 120 counties · drug deductible $0Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,700 | $6,700 | 4★ |
| 21 | Humana Gold Plus H5619-188 (HMO)Humana · HMO32 of 120 counties · drug deductible $0Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,700 | $6,700 | 4★ |
| 22 | HumanaChoice H5216-285 (PPO)Humana · PPO4 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4★ |
| 23 | HumanaChoice H7617-004 (PPO)Humana · PPO4 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 24 | DEVOTED CHOICE GIVEBACK EXTRAS 010 KY (PPO)Devoted Health · PPO14 of 120 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $324/yr | $0−$85 Part B giveback | $7,850 | $6,830 | 4★ |
| 25 | DEVOTED CHOICE GIVEBACK EXTRAS 011 KY (PPO)Devoted Health · PPO87 of 120 counties · drug deductible $700Part B giveback $85/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $336/yr | $0−$85 Part B giveback | $7,850 | $6,830 | 4★ |
| 26 | Humana Value Choice (PPO)Humana · PPO2 of 120 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,000 | $7,000 | 4★ |
| 27 | Wellcare Simple (HMO-POS)Wellcare · HMO-POSAll 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $300/yr · hearing aids $350/yr per ear · OTC items $360/yr | $0 | $7,000 | $7,000 | 3★ |
| 28 | Humana Gold Plus H6622-021 (HMO-POS)Humana · HMO-POS5 of 120 counties · drug deductible $600Dental up to $750/yr · eyewear $100/yr | $0 | $7,100 | $7,100 | 4★ |
| 29 | AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS)UnitedHealthcare · HMO-POS5 of 120 counties · drug deductible $685Dental up to $2,000/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 30 | AARP Medicare Advantage from UHC KY-1 (HMO-POS)UnitedHealthcare · HMO-POS110 of 120 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 31 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO32 of 120 counties · drug deductible $500Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 32 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS97 of 120 counties · drug deductible $595Dental up to $1,000/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 33 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS6 of 120 counties · drug deductible $595Dental up to $1,500/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 34 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS4 of 120 counties · drug deductible $595Dental up to $1,400/yr · eyewear $100/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 35 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS5 of 120 counties · drug deductible $595Dental up to $1,500/yr · eyewear $100/yr · hearing aids $2,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 36 | Humana Value Choice (PPO)Humana · PPO95 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 37 | HumanaChoice H5216-317 (PPO)Humana · PPO95 of 120 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 38 | HumanaChoice H5525-008 (PPO)Humana · PPO43 of 120 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 39 | Wellcare Simple Open (PPO)Wellcare · PPOAll 120 counties · drug deductible $700Dental up to $1,500/yr · OTC items $228/yr | $0 | $7,500 | $7,500 | 3★ |
| 40 | DEVOTED CHOICE GIVEBACK 002 KY (PPO)Devoted Health · PPO101 of 120 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★ |
| 41 | Humana Gold Plus H5619-113 (HMO-POS)Humana · HMO-POS2 of 120 counties · drug deductible $350Dental up to $3,000/yr · eyewear $100/yr | $0 | $8,100 | $8,100 | 4★ |
| 42 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 120 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★ |
| 43 | HumanaChoice Giveback H5216-322 (PPO)Humana · PPO87 of 120 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★ |
| 44 | Humana Essentials Plus Giveback (PPO)Humana · PPO5 of 120 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★ |
| 45 | HumanaChoice Giveback H5216-481 (PPO)Humana · PPO5 of 120 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★ |
| 46 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POSAll 120 counties · drug deductible $700Part B giveback $65/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$65 Part B giveback | $9,850 | $9,070 | 3★ |
| 47 | Humana Gold Choice H8145-052 (PFFS)Humana · PFFS8 of 120 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
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 Kentucky Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Kentucky for 2027?
47 of the 72 general-audience Medicare Advantage plans with drug coverage in Kentucky 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 Kentucky's $0 plans, the lowest in-network maximum is $4,250 and the median is $7,000.
Which $0 premium plan in Kentucky has the lowest worst-case cost?
Humana Community (HMO) from Humana, with an in-network out-of-pocket maximum of $4,250 and a Part B giveback of $5 a month. It is sold in 1 of 120 counties.
Do any $0 premium plans in Kentucky also have a Part B giveback?
Yes, 12 of them. See the Kentucky 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 Kentucky Medicare Advantage plans, ranked →
- Part B giveback plans in Kentucky →
- Where $0 plans are disappearing in 2027 →
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