$0 Premium Medicare Advantage Plans in Mississippi
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Mississippi 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 34 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Healthy Mississippi Preferred (PPO)Healthy Mississippi, Inc. · PPO81 of 82 counties · drug deductible $0Dental up to $2,800/yr · eyewear $250/yr · hearing aids $1,950/yr · OTC items $820/yr | $0 | $4,200 | $4,200 | Too new to rate |
| 2 | Healthy Mississippi Premier Advantage (HMO-POS)Healthy Mississippi, Inc. · HMO-POS81 of 82 counties · drug deductible $0Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,950/yr · OTC items $820/yr | $0 | $4,200 | $4,200 | Not rated |
| 3 | HealthSpring Preferred (HMO)HealthSpring · HMO4 of 82 counties · drug deductible $500Dental up to $2,100/yr · eyewear $100/yr · OTC items $120/yr | $0 | $5,100 | $5,100 | 3.5★ |
| 4 | DEVOTED CHOICE 001 MS (PPO)Devoted Health · PPO35 of 82 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $400/yr | $0 | $5,400 | $5,400 | 4★ |
| 5 | Humana Total Complete (HMO)Humana · HMO10 of 82 counties · drug deductible $350Dental up to $4,000/yr · eyewear $250/yr | $0 | $5,500 | $5,500 | 4.5★ |
| 6 | HealthSpring Preferred (HMO)HealthSpring · HMO12 of 82 counties · drug deductible $400Dental up to $2,100/yr · eyewear $175/yr · OTC items $60/yr | $0 | $5,700 | $5,700 | 4★ |
| 7 | Humana Gold Plus H1036-327 (HMO)Humana · HMO19 of 82 counties · drug deductible $600Dental up to $4,000/yr · eyewear $250/yr | $0 | $5,700 | $5,700 | 4.5★ |
| 8 | AARP Medicare Advantage Direct OTC from UHC MS-8 (HMO-POS)UnitedHealthcare · HMO-POS79 of 82 counties · drug deductible $440Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 9 | AARP Medicare Advantage Direct Plus from UHC MS-9 (HMO-POS)UnitedHealthcare · HMO-POS79 of 82 counties · drug deductible $440Dental up to $3,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 10 | AARP Medicare Advantage Essentials from UHC MS-1 (HMO-POS)UnitedHealthcare · HMO-POS79 of 82 counties · drug deductible $595Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 11 | Humana Value Choice (PPO)Humana · PPO62 of 82 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $6,000 | $6,000 | 4.5★ |
| 12 | HumanaChoice H5216-300 (PPO)Humana · PPO63 of 82 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $6,000 | $6,000 | 4★ |
| 13 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 82 counties · drug deductible $400Dental up to $1,950/yr · eyewear $100/yr · OTC items $60/yr | $0 | $6,400 | $6,400 | 4★ |
| 14 | Zing Elite Select TN-MS (HMO)Zing Health · HMO1 of 82 counties · drug deductible $350Dental up to $2,000/yr · eyewear $250/yr · hearing aids $250/yr per ear · OTC items $580/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 15 | Zing Select Care TN-MS (HMO)Zing Health · HMO7 of 82 counties · drug deductible $500Dental up to $2,000/yr · eyewear $350/yr · hearing aids $250/yr per ear · OTC items $340/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 16 | HealthSpring True Choice (PPO)HealthSpring · PPO12 of 82 counties · drug deductible $500Dental up to $2,400/yr · eyewear $100/yr | $0 | $6,500 | $6,500 | 3★ |
| 17 | AARP Medicare Advantage Giveback from UHC MS-4 (PPO)UnitedHealthcare · PPO75 of 82 counties · drug deductible $685Part B giveback $47/mo · eyewear $100/yr · hearing aids $700/yr | $0−$47 Part B giveback | $7,150 | $6,586 | 4★ |
| 18 | DEVOTED CHOICE GIVEBACK EXTRAS 012 MS (PPO)Devoted Health · PPO35 of 82 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,500/yr · eyewear $400/yr · OTC items $248/yr | $0−$70 Part B giveback | $7,500 | $6,660 | 4★ |
| 19 | Humana Gold Plus H6622-047 (HMO)Humana · HMO19 of 82 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $0 | $6,900 | $6,900 | 4★ |
| 20 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS55 of 82 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,900 | $6,900 | 3★ |
| 21 | Wellcare Simple Open (PPO)Wellcare · PPO53 of 82 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,100 | $7,100 | 3★ |
| 22 | AARP Medicare Advantage Extras from UHC MS-7 (HMO-POS)UnitedHealthcare · HMO-POS79 of 82 counties · drug deductible $685Dental up to $3,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 23 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO63 of 82 counties · drug deductible $400Dental up to $2,500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 24 | HealthSpring Preferred (HMO)HealthSpring · HMO3 of 82 counties · drug deductible $400Dental up to $1,750/yr · eyewear $200/yr · OTC items $120/yr | $0 | $7,150 | $7,150 | 4★ |
| 25 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS3 of 82 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,200 | $7,200 | 3★ |
| 26 | DEVOTED CHOICE GIVEBACK 002 MS (PPO)Devoted Health · PPO35 of 82 counties · drug deductible $461Part B giveback $164.40/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.40 Part B giveback | $9,850 | $7,877 | 4★ |
| 27 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS42 of 82 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $8,200 | $8,200 | 3★ |
| 28 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS10 of 82 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $350/yr per ear | $0 | $8,200 | $8,200 | 3★ |
| 29 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS55 of 82 counties · drug deductible $700Part B giveback $66.50/mo · Dental · eyewear $100/yr · hearing aids $350/yr per ear | $0−$66.50 Part B giveback | $9,250 | $8,452 | 3★ |
| 30 | Aetna Medicare Elite Giveback (PPO)Aetna Medicare · PPO4 of 82 counties · drug deductible $600Part B giveback $53/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$53 Part B giveback | $9,850 | $9,214 | 4★ |
| 31 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO7 of 82 counties · drug deductible $400Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 32 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO51 of 82 counties · drug deductible $600Dental up to $1,750/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 4★ |
| 33 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO8 of 82 counties · drug deductible $600Dental up to $1,250/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 4★ |
| 34 | HealthSpring True Choice (PPO)HealthSpring · PPO4 of 82 counties · drug deductible $700Dental up to $250/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 Mississippi Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Mississippi for 2027?
34 of the 45 general-audience Medicare Advantage plans with drug coverage in Mississippi 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 Mississippi's $0 plans, the lowest in-network maximum is $4,200 and the median is $6,900.
Which $0 premium plan in Mississippi has the lowest worst-case cost?
Healthy Mississippi Preferred (PPO) from Healthy Mississippi, Inc., with an in-network out-of-pocket maximum of $4,200. It is sold in 81 of 82 counties.
Do any $0 premium plans in Mississippi also have a Part B giveback?
Yes, 5 of them. See the Mississippi 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 Mississippi Medicare Advantage plans, ranked →
- Part B giveback plans in Mississippi →
- Where $0 plans are disappearing in 2027 →
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