$0 Premium Medicare Advantage Plans in Massachusetts
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Massachusetts 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 20 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice Giveback H5216-477 (PPO)Humana · PPO5 of 14 counties · drug deductible $700Part B giveback $48/mo · Dental · eyewear $100/yr | $0−$48 Part B giveback | $7,150 | $6,574 | 4★ |
| 2 | HumanaChoice Giveback H5216-138 (PPO)Humana · PPO6 of 14 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4★ |
| 3 | HumanaChoice Giveback H7617-046 (PPO)Humana · PPO4 of 14 counties · drug deductible $700Part B giveback $40/mo · Dental · eyewear $100/yr | $0−$40 Part B giveback | $7,150 | $6,670 | 4.5★ |
| 4 | HumanaChoice H5216-249 (PPO)Humana · PPO5 of 14 counties · drug deductible $350Dental up to $1,000/yr · eyewear $150/yr | $0 | $6,750 | $6,750 | 4★ |
| 5 | AARP Medicare Advantage from UHC MA-0003 (HMO-POS)UnitedHealthcare · HMO-POS6 of 14 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 6 | AARP Medicare Advantage from UHC MA-0003 (HMO-POS)UnitedHealthcare · HMO-POS4 of 14 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 7 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO5 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 8 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 9 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS6 of 14 counties · drug deductible $700Preventive dental · eyewear $100/yr · OTC items $60/yr | $0 | $7,150 | $7,150 | 3★ |
| 10 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS2 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 11 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO5 of 14 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 12 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO2 of 14 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 13 | Mass General Brigham Advantage Core (HMO-POS)Mass General Brigham Health Plan · HMO-POS9 of 14 counties · drug deductible $700Preventive dental · eyewear $150/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 14 | Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO5 of 14 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4★ |
| 15 | Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO4 of 14 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4★ |
| 16 | Medicare HMO Blue SaverRx (HMO-POS)Blue Cross Blue Shield of Massachusetts · HMO-POS10 of 14 counties · drug deductible $500Dental up to $575/yr · eyewear $100/yr · OTC items $100/yr | $0 | $9,200 | $9,200 | 4.5★ |
| 17 | Fallon Medicare Plus Orange (HMO)Fallon Health · HMO6 of 14 counties · drug deductible $595Dental · eyewear $150/yr | $0 | $9,850 | $9,850 | 4★ |
| 18 | Fallon Medicare Plus Orange (HMO)Fallon Health · HMO3 of 14 counties · drug deductible $595Dental · eyewear $150/yr | $0 | $9,850 | $9,850 | 4★ |
| 19 | Fallon Medicare Plus Orange (HMO)Fallon Health · HMO1 of 14 counties · drug deductible $595Dental · eyewear $150/yr | $0 | $9,850 | $9,850 | 4★ |
| 20 | Tufts Medicare Preferred HMO Smart Saver Rx (HMO)Tufts Health Plan · HMO1 of 14 counties · drug deductible $700Dental up to $500/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
No $0-premium plan with drug coverage in: Berkshire.
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 Massachusetts Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Massachusetts for 2027?
20 of the 61 general-audience Medicare Advantage plans with drug coverage in Massachusetts have a $0 monthly plan premium for 2027. 1 county has Advantage plans but none at $0.
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 Massachusetts's $0 plans, the lowest in-network maximum is $6,750 and the median is $7,150.
Which $0 premium plan in Massachusetts has the lowest worst-case cost?
HumanaChoice Giveback H5216-477 (PPO) from Humana, with an in-network out-of-pocket maximum of $7,150 and a Part B giveback of $48 a month. It is sold in 5 of 14 counties.
Do any $0 premium plans in Massachusetts also have a Part B giveback?
Yes, 3 of them. See the Massachusetts 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 Massachusetts Medicare Advantage plans, ranked →
- Part B giveback plans in Massachusetts →
- Where $0 plans are disappearing in 2027 →
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