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 Missouri
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Missouri 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.
79$0-premium plans, of 101 with drug coverage
$2,000lowest in-network out-of-pocket max among them
20also pay part of your Part B premium
Showing all 79 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Community (HMO-POS)Humana · HMO-POS14 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $0 | $2,000 | $2,000 | 4.5★ |
| 2 | Humana Community (HMO-POS)Humana · HMO-POS14 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $200/yr | $0 | $2,000 | $2,000 | 4★ |
| 3 | Humana Total Complete (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $500Dental up to $2,500/yr · eyewear $100/yr | $0 | $2,800 | $2,800 | 4.5★ |
| 4 | Humana Total Complete (HMO)Humana · HMO16 of 115 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 5 | Humana Total Complete (HMO)Humana · HMO16 of 115 counties · drug deductible $700Dental up to $4,000/yr · eyewear $100/yr | $0 | $2,850 | $2,850 | 4.5★ |
| 6 | DEVOTED CORE 005 MO (HMO)Devoted Health · HMO26 of 115 counties · drug deductible $461Dental up to $3,750/yr · eyewear $300/yr · OTC items $640/yr | $0 | $2,900 | $2,900 | 4★ |
| 7 | DEVOTED CORE 001 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $640/yr | $0 | $3,100 | $3,100 | 4★ |
| 8 | Humana Gold Plus H4623-001 (HMO-POS)Humana · HMO-POS22 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $3,125 | $3,125 | 4★ |
| 9 | DEVOTED CORE 009 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $650Dental up to $3,000/yr · eyewear $300/yr · OTC items $248/yr | $0 | $3,200 | $3,200 | 4★ |
| 10 | Aetna Medicare Select (HMO-POS)Aetna Medicare · HMO-POS20 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $3,400 | $3,400 | 3.5★ |
| 11 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS10 of 115 counties · drug deductible $500Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $3,400 | $3,400 | 3.5★ |
| 12 | Essence Advantage (HMO)Essence Healthcare · HMO11 of 115 counties · drug deductible $0Dental up to $250/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $120/yr | $0 | $3,400 | $3,400 | 4★ |
| 13 | Humana Essentials Plus Giveback (HMO)Humana · HMO17 of 115 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 14 | Humana Essentials Plus Giveback (HMO)Humana · HMO17 of 115 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,500/yr · eyewear $150/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 15 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $700Part B giveback $60/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$60 Part B giveback | $4,200 | $3,480 | 4.5★ |
| 16 | Humana Total Complete Giveback (HMO-POS)Humana · HMO-POS6 of 115 counties · drug deductible $700Part B giveback $54/mo · Dental up to $3,000/yr · eyewear $100/yr | $0−$54 Part B giveback | $4,200 | $3,552 | 4.5★ |
| 17 | CoxHealth Medicare Advantage (HMO)Cox HealthPlans · HMO7 of 115 counties · drug deductible $350Dental up to $3,000/yr · eyewear $200/yr · hearing aids $575/yr per ear · OTC items $80/yr | $0 | $3,600 | $3,600 | 4★ |
| 18 | DEVOTED CORE 003 MO (HMO)Devoted Health · HMO27 of 115 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $252/yr | $0 | $3,600 | $3,600 | 4★ |
| 19 | DEVOTED CHOICE 001 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $650Dental up to $3,250/yr · eyewear $400/yr · OTC items $352/yr | $0 | $3,950 | $3,950 | Too new to rate |
| 20 | Essence Advantage (HMO)Essence Healthcare · HMO12 of 115 counties · drug deductible $450Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $80/yr | $0 | $4,000 | $4,000 | 4★ |
| 21 | DEVOTED GIVEBACK EXTRAS 025 MO (HMO)Devoted Health · HMO26 of 115 counties · drug deductible $700Part B giveback $80/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $960/yr | $0−$80 Part B giveback | $5,000 | $4,040 | 4★ |
| 22 | AARP Medicare Advantage from UHC ST-1P (HMO-POS)UnitedHealthcare · HMO-POS15 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,100 | $4,100 | 3.5★ |
| 23 | DEVOTED GIVEBACK EXTRAS 028 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $700Part B giveback $80/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $500/yr | $0−$80 Part B giveback | $5,100 | $4,140 | 4★ |
| 24 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS8 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $225/yr · hearing aids $1,250/yr per ear · OTC items $280/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 25 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS21 of 115 counties · drug deductible $400Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 26 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 115 counties · drug deductible $500Dental up to $1,000/yr · eyewear $200/yr · OTC items $480/yr | $0 | $4,200 | $4,200 | 3★ |
| 27 | DEVOTED GIVEBACK EXTRAS 026 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $700Part B giveback $80/mo · Dental up to $3,250/yr · eyewear $350/yr · OTC items $668/yr | $0−$80 Part B giveback | $5,200 | $4,240 | 4★ |
| 28 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 115 counties · drug deductible $700Part B giveback $74/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$74 Part B giveback | $5,250 | $4,362 | 4.5★ |
| 29 | DEVOTED CHOICE GIVEBACK EXTRAS 005 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $700Part B giveback $90/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $400/yr | $0−$90 Part B giveback | $5,450 | $4,370 | Too new to rate |
| 30 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 115 counties · drug deductible $700Part B giveback $72/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$72 Part B giveback | $5,250 | $4,386 | 4★ |
| 31 | Humana Value Choice (PPO)Humana · PPO61 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 32 | Humana Value Choice (PPO)Humana · PPO6 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,400 | $4,400 | 4.5★ |
| 33 | AARP Medicare Advantage Essentials from UHC ST-3 (HMO-POS)UnitedHealthcare · HMO-POS15 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 34 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS10 of 115 counties · drug deductible $210Dental up to $2,500/yr · eyewear $150/yr · hearing aids $1,500/yr · OTC items $288/yr | $0 | $4,450 | $4,450 | 3★ |
| 35 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS8 of 115 counties · drug deductible $210Dental up to $2,500/yr · eyewear $200/yr · hearing aids $1,500/yr · OTC items $320/yr | $0 | $4,450 | $4,450 | 3★ |
| 36 | CMH Medicare Advantage (HMO)Cox HealthPlans · HMO5 of 115 counties · drug deductible $500Dental up to $3,000/yr · eyewear $200/yr · hearing aids $575/yr per ear · OTC items $80/yr | $0 | $4,450 | $4,450 | 4★ |
| 37 | Essence Advantage Select (HMO)Essence Healthcare · HMO13 of 115 counties · drug deductible $450Dental up to $2,900/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 38 | Humana Value Choice (PPO)Humana · PPO63 of 115 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $0 | $4,450 | $4,450 | 4★ |
| 39 | Humana Value Choice (PPO)Humana · PPO6 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 40 | Phelps Health Medicare Advantage (HMO)Cox HealthPlans · HMO5 of 115 counties · drug deductible $500Dental up to $3,000/yr · eyewear $200/yr · hearing aids $575/yr per ear · OTC items $80/yr | $0 | $4,450 | $4,450 | 4★ |
| 41 | DEVOTED CORE 023 MO (HMO)Devoted Health · HMO4 of 115 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $140/yr | $0 | $4,600 | $4,600 | 4★ |
| 42 | HumanaChoice Giveback H5216-404 (PPO)Humana · PPO27 of 115 counties · drug deductible $700Part B giveback $61/mo · Dental up to $4,000/yr · eyewear $100/yr | $0−$61 Part B giveback | $5,500 | $4,768 | 4★ |
| 43 | HumanaChoice Giveback H7617-014 (PPO)Humana · PPO27 of 115 counties · drug deductible $700Part B giveback $58/mo · Dental up to $4,000/yr · eyewear $100/yr | $0−$58 Part B giveback | $5,500 | $4,804 | 4.5★ |
| 44 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO50 of 115 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $4,900 | $4,900 | 4★ |
| 45 | Aetna Medicare Elite Classic Extra (PPO)Aetna Medicare · PPO50 of 115 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $4,900 | $4,900 | 4★ |
| 46 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO8 of 115 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $440/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 47 | DEVOTED GIVEBACK 002 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $461Part B giveback $164.80/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.80 Part B giveback | $7,150 | $5,172 | 4★ |
| 48 | DEVOTED GIVEBACK 004 MO (HMO)Devoted Health · HMO27 of 115 counties · drug deductible $461Part B giveback $164.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.70 Part B giveback | $7,150 | $5,174 | 4★ |
| 49 | DEVOTED GIVEBACK 006 MO (HMO)Devoted Health · HMO26 of 115 counties · drug deductible $461Part B giveback $164.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.70 Part B giveback | $7,150 | $5,174 | 4★ |
| 50 | DEVOTED GIVEBACK 010 MO (HMO)Devoted Health · HMO12 of 115 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $7,150 | $5,231 | 4★ |
| 51 | Essence Advantage Prime (HMO)Essence Healthcare · HMO7 of 115 counties · drug deductible $700Dental up to $700/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $120/yr | $0 | $5,400 | $5,400 | 4★ |
| 52 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS48 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear | $0 | $5,500 | $5,500 | 3.5★ |
| 53 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO21 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 54 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO21 of 115 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 55 | Aetna Medicare Value Plus (HMO-POS)Aetna Medicare · HMO-POS58 of 115 counties · drug deductible $400Dental up to $2,000/yr · eyewear $475/yr · hearing aids $1,250/yr per ear · OTC items $600/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 56 | DEVOTED CHOICE GIVEBACK 002 MO (PPO)Devoted Health · PPO25 of 115 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $7,150 | $5,734 | Too new to rate |
| 57 | AARP Medicare Advantage from UHC MO-0007 (HMO-POS)UnitedHealthcare · HMO-POS16 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 58 | Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO50 of 115 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 59 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO7 of 115 counties · drug deductible $700Part B giveback $95/mo · Dental up to $500/yr · eyewear $100/yr | $0−$95 Part B giveback | $7,150 | $6,010 | 3★ |
| 60 | Humana Full Access (PPO)Humana · PPO17 of 115 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,350 | $6,350 | 4★ |
| 61 | DEVOTED GIVEBACK EXTRAS 024 MO (HMO)Devoted Health · HMO4 of 115 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $536/yr | $0−$70 Part B giveback | $7,300 | $6,460 | 4★ |
| 62 | Humana Full Access (PPO)Humana · PPO17 of 115 counties · drug deductible $500Dental up to $2,500/yr · eyewear $150/yr | $0 | $6,600 | $6,600 | 4.5★ |
| 63 | AARP Medicare Advantage Essentials from UHC KC-6 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 64 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 65 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $2,500/yr · eyewear $400/yr · hearing aids $1,250/yr per ear · OTC items $380/yr | $0 | $6,750 | $6,750 | 4★ |
| 66 | Aetna Medicare Signature Classic (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $6,750 | $6,750 | 4★ |
| 67 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS49 of 115 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $7,100 | $7,100 | 3★ |
| 68 | Wellcare Simple Open (PPO)Wellcare · PPO58 of 115 counties · drug deductible $700Dental | $0 | $7,100 | $7,100 | 3★ |
| 69 | AARP Medicare Advantage CareFlex from UHC ST-6 (HMO-POS)UnitedHealthcare · HMO-POS15 of 115 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 70 | AARP Medicare Advantage Essentials from UHC MO-4 (HMO-POS)UnitedHealthcare · HMO-POS29 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 71 | AARP Medicare Advantage Extras from UHC KC-2 (HMO-POS)UnitedHealthcare · HMO-POS32 of 115 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 72 | AARP Medicare Advantage Extras from UHC MO-10 (HMO-POS)UnitedHealthcare · HMO-POS29 of 115 counties · drug deductible $685Dental up to $3,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 73 | AARP Medicare Advantage from UHC KC-4 (PPO)UnitedHealthcare · PPO32 of 115 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 74 | AARP Medicare Advantage from UHC MO-0002 (PPO)UnitedHealthcare · PPO15 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 75 | AARP Medicare Advantage from UHC MO-0006 (HMO-POS)UnitedHealthcare · HMO-POS27 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 76 | AARP Medicare Advantage from UHC MO-0009 (PPO)UnitedHealthcare · PPO29 of 115 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 77 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO8 of 115 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $7,150 | $7,150 | 4★ |
| 78 | Essence Advantage Choice (PPO)Essence Healthcare · PPO9 of 115 counties · drug deductible $700Dental up to $400/yr · eyewear $175/yr · hearing aids $500/yr | $0 | $8,200 | $8,200 | 4★ |
| 79 | DEVOTED GIVEBACK 022 MO (HMO)Devoted Health · HMO4 of 115 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $9,850 | $8,434 | 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 Missouri Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Missouri for 2027?
79 of the 101 general-audience Medicare Advantage plans with drug coverage in Missouri 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 Missouri's $0 plans, the lowest in-network maximum is $2,000 and the median is $5,100.
Which $0 premium plan in Missouri has the lowest worst-case cost?
Humana Community (HMO-POS) from Humana, with an in-network out-of-pocket maximum of $2,000. It is sold in 14 of 115 counties.
Do any $0 premium plans in Missouri also have a Part B giveback?
Yes, 20 of them. See the Missouri 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 Missouri Medicare Advantage plans, ranked →
- Part B giveback plans in Missouri →
- Where $0 plans are disappearing in 2027 →
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