$0 Premium Medicare Advantage Plans in Nevada
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Nevada 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 42 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS)UnitedHealthcare · HMO-POS2 of 9 counties · drug deductible $310Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $900 | $900 | 4★ |
| 2 | SCAN Classic (HMO)SCAN Health Plan · HMO2 of 9 counties · drug deductible $0Dental up to $3,000/yr · eyewear $200/yr · OTC items $240/yr | $0 | $900 | $900 | 3.5★ |
| 3 | SCAN Costco Medicare Advantage (HMO)SCAN Health Plan · HMO2 of 9 counties · drug deductible $0Dental up to $2,500/yr · OTC items $460/yr | $0 | $900 | $900 | 3.5★ |
| 4 | Humana Gold Plus H1036-344 (HMO)Humana · HMO2 of 9 counties · drug deductible $250Dental up to $2,500/yr · eyewear $300/yr | $0 | $925 | $925 | 4.5★ |
| 5 | Humana Gold Plus H6622-056 (HMO)Humana · HMO2 of 9 counties · drug deductible $250Dental up to $2,500/yr · eyewear $300/yr | $0 | $925 | $925 | 4★ |
| 6 | Alignment Health Smart 008 (HMO)Alignment Health Plan · HMO1 of 9 counties · drug deductible $700Part B giveback $126/mo · Preventive dental · eyewear $50/yr | $0−$126 Part B giveback | $2,499 | $987 | 4.5★ |
| 7 | Alignment Health + Intermountain Health 009 (HMO)Alignment Health Plan · HMO2 of 9 counties · drug deductible $0Dental up to $3,000/yr · eyewear $300/yr · OTC items $180/yr | $0 | $999 | $999 | 4★ |
| 8 | Champion Ally (HMO)Champion Health Plan · HMO4 of 9 counties · drug deductible $0Dental up to $3,000/yr · eyewear $350/yr · OTC items $880/yr | $0 | $999 | $999 | Not rated |
| 9 | Select Health Medicare Essential (HMO)Select Health · HMO2 of 9 counties · drug deductible $0Dental up to $2,500/yr · eyewear $200/yr · OTC items $100/yr | $0 | $1,000 | $1,000 | 4★ |
| 10 | Anthem I CareMore Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS1 of 9 counties · drug deductible $95Dental up to $1,800/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $180/yr | $0 | $1,250 | $1,250 | 3.5★ |
| 11 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS1 of 9 counties · drug deductible $50Dental up to $500/yr · eyewear $50/yr · hearing aids $1,500/yr | $0 | $1,250 | $1,250 | 3.5★ |
| 12 | Alignment Health Platinum + Instacart 007 (HMO)Alignment Health Plan · HMO1 of 9 counties · drug deductible $0Dental up to $3,000/yr · eyewear $300/yr · OTC items $300/yr | $0 | $1,499 | $1,499 | 4.5★ |
| 13 | Aetna Medicare Prime Extra (HMO)Aetna Medicare · HMO2 of 9 counties · drug deductible $700Dental up to $2,000/yr · eyewear $300/yr · hearing aids $1,000/yr per ear · OTC items $360/yr | $0 | $1,500 | $1,500 | 3★ |
| 14 | Select Health Medicare Wellness (HMO)Select Health · HMO2 of 9 counties · drug deductible $300Dental up to $1,500/yr · eyewear $150/yr · OTC items $440/yr | $0 | $1,500 | $1,500 | 4★ |
| 15 | AARP Medicare Advantage Extras ValueRx NV-10 (HMO-POS)UnitedHealthcare · HMO-POS2 of 9 counties · drug deductible $470Dental up to $5,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $1,900 | $1,900 | 4★ |
| 16 | AARP Medicare Advantage from UHC NV-0001 (HMO-POS)UnitedHealthcare · HMO-POS2 of 9 counties · drug deductible $310Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $1,900 | $1,900 | 4★ |
| 17 | Select Health Medicare Value Giveback (HMO)Select Health · HMO2 of 9 counties · drug deductible $0Part B giveback $50/mo · Dental up to $1,250/yr · eyewear $150/yr | $0−$50 Part B giveback | $2,500 | $1,900 | 4★ |
| 18 | UHC Medicare Advantage NV-001P (HMO-POS)UnitedHealthcare · HMO-POS2 of 9 counties · drug deductible $310Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $1,900 | $1,900 | 4★ |
| 19 | HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS2 of 9 counties · drug deductible $500Dental up to $2,700/yr · eyewear $250/yr · OTC items $360/yr | $0 | $2,000 | $2,000 | 3.5★ |
| 20 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO2 of 9 counties · drug deductible $700Part B giveback $105/mo · Dental up to $1,100/yr · eyewear $150/yr · OTC items $120/yr | $0−$105 Part B giveback | $3,700 | $2,440 | 3.5★ |
| 21 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO2 of 9 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $2,500 | $2,500 | 3.5★ |
| 22 | Prominence Plus (HMO)Prominence Health Plan · HMO1 of 9 counties · drug deductible $100Dental up to $2,000/yr · eyewear $100/yr · hearing aids $300/yr per ear · OTC items $500/yr | $0 | $2,600 | $2,600 | 3.5★ |
| 23 | KP Medicare Value H2960 028 (HMO)Kaiser Permanente · HMO2 of 9 counties · drug deductible $300Dental up to $500/yr · eyewear $250/yr · OTC items $240/yr | $0 | $3,300 | $3,300 | 5★ |
| 24 | Humana Gold Plus Giveback H6622-082 (HMO)Humana · HMO2 of 9 counties · drug deductible $700Part B giveback $95/mo · Dental up to $1,500/yr · eyewear $100/yr | $0−$95 Part B giveback | $4,450 | $3,310 | 4★ |
| 25 | Humana Gold Plus H6622-028 (HMO)Humana · HMO2 of 9 counties · drug deductible $700Dental · eyewear $150/yr | $0 | $3,500 | $3,500 | 4★ |
| 26 | KP Medicare Value CC H2960 029 (HMO)Kaiser Permanente · HMO1 of 9 counties · drug deductible $300Preventive dental · eyewear $200/yr · OTC items $180/yr | $0 | $3,900 | $3,900 | 5★ |
| 27 | Prominence Plus (HMO)Prominence Health Plan · HMO5 of 9 counties · drug deductible $275Dental up to $2,000/yr · eyewear $100/yr · hearing aids $250/yr per ear · OTC items $300/yr | $0 | $4,000 | $4,000 | 3.5★ |
| 28 | AARP Medicare Advantage from UHC NV-0006 (HMO-POS)UnitedHealthcare · HMO-POS2 of 9 counties · drug deductible $190Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,450 | $4,450 | 4★ |
| 29 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 9 counties · drug deductible $700Dental up to $500/yr · eyewear $150/yr · hearing aids $1,000/yr per ear | $0 | $4,450 | $4,450 | 3.5★ |
| 30 | Humana Total Complete (HMO)Humana · HMO7 of 9 counties · drug deductible $0Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 31 | Prominence Giveback (HMO)Prominence Health Plan · HMO1 of 9 counties · drug deductible $450Part B giveback $135/mo · Dental up to $1,000/yr · eyewear $200/yr · OTC items $200/yr | $0−$135 Part B giveback | $6,900 | $5,280 | 3.5★ |
| 32 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO1 of 9 counties · drug deductible $500Dental up to $2,000/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $200/yr | $0 | $5,500 | $5,500 | 4★ |
| 33 | HumanaChoice Giveback H5216-141 (PPO)Humana · PPO2 of 9 counties · drug deductible $700Part B giveback $76/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$76 Part B giveback | $6,500 | $5,588 | 4★ |
| 34 | HumanaChoice H5216-281 (PPO)Humana · PPO2 of 9 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $5,750 | $5,750 | 4★ |
| 35 | HumanaChoice H7617-070 (PPO)Humana · PPO2 of 9 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr | $0 | $5,750 | $5,750 | 4.5★ |
| 36 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO1 of 9 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $5,900 | $5,900 | 4★ |
| 37 | Humana Essentials Plus Giveback (PPO)Humana · PPO7 of 9 counties · drug deductible $700Part B giveback $70/mo · Dental · eyewear $150/yr | $0−$70 Part B giveback | $7,150 | $6,310 | 4★ |
| 38 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO2 of 9 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr · hearing aids $1,000/yr per ear · OTC items $240/yr | $0 | $6,350 | $6,350 | 4★ |
| 39 | AARP Medicare Advantage Giveback from UHC NV-8 (PPO)UnitedHealthcare · PPO2 of 9 counties · drug deductible $685Part B giveback $58/mo · Preventive dental · hearing aids $700/yr | $0−$58 Part B giveback | $7,150 | $6,454 | 4.5★ |
| 40 | Humana Value Choice (PPO)Humana · PPO7 of 9 counties · drug deductible $700Dental up to $2,500/yr · eyewear $250/yr | $0 | $6,500 | $6,500 | 4★ |
| 41 | AARP Medicare Advantage from UHC NV-0007 (PPO)UnitedHealthcare · PPO2 of 9 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4.5★ |
| 42 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO2 of 9 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 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 Nevada Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Nevada for 2027?
42 of the 51 general-audience Medicare Advantage plans with drug coverage in Nevada 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 Nevada's $0 plans, the lowest in-network maximum is $900 and the median is $2,950.
Which $0 premium plan in Nevada has the lowest worst-case cost?
AARP Medicare Advantage Essentials ValueRx NV-5 (HMO-POS) from UnitedHealthcare, with an in-network out-of-pocket maximum of $900. It is sold in 2 of 9 counties.
Do any $0 premium plans in Nevada also have a Part B giveback?
Yes, 8 of them. See the Nevada 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 Nevada Medicare Advantage plans, ranked →
- Part B giveback plans in Nevada →
- Where $0 plans are disappearing in 2027 →
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