$0 Premium Medicare Advantage Plans in Montana
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Montana 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 4 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO6 of 47 counties · drug deductible $700Dental up to $1,250/yr · eyewear $250/yr | $0 | $6,200 | $6,200 | 4★ |
| 2 | Humana Value Choice (PPO)Humana · PPO6 of 47 counties · drug deductible $500Dental up to $1,250/yr · eyewear $200/yr | $0 | $6,550 | $6,550 | 4.5★ |
| 3 | HumanaChoice H5216-457 (PPO)Humana · PPO6 of 47 counties · drug deductible $500Dental up to $5,000/yr · eyewear $250/yr | $0 | $6,550 | $6,550 | 4★ |
| 4 | Humana Essentials Plus Giveback (PPO)Humana · PPO6 of 47 counties · drug deductible $700Part B giveback $47/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$47 Part B giveback | $8,400 | $7,836 | 4.5★ |
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
No $0-premium plan with drug coverage in: Beaverhead, Big Horn, Broadwater, Carbon, Chouteau, Daniels, Deer Lodge, Fallon, Fergus, Garfield, Glacier, Golden Valley, Granite, Jefferson, Judith Basin, Lake, Liberty, Lincoln, Madison, Meagher, Mineral, Musselshell, Park, Petroleum, Phillips, Pondera, Powder River, Powell, Prairie, Ravalli, Roosevelt, Rosebud, Sanders, Silver Bow, Stillwater, Sweet Grass, Teton, Toole, Treasure, Valley, Wheatland.
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 Montana Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Montana for 2027?
4 of the 14 general-audience Medicare Advantage plans with drug coverage in Montana have a $0 monthly plan premium for 2027. 41 counties have 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 Montana's $0 plans, the lowest in-network maximum is $6,200 and the median is $6,550.
Which $0 premium plan in Montana has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana, with an in-network out-of-pocket maximum of $6,200. It is sold in 6 of 47 counties.
Do any $0 premium plans in Montana also have a Part B giveback?
Yes, 1 of them. See the Montana 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 Montana Medicare Advantage plans, ranked →
- Part B giveback plans in Montana →
- Where $0 plans are disappearing in 2027 →
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