$0 Premium Medicare Advantage Plans in New Mexico
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in New Mexico 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 29 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H0028-019 (HMO)Humana · HMO6 of 33 counties · drug deductible $700Dental up to $4,000/yr · eyewear $250/yr | $0 | $3,800 | $3,800 | 4.5★ |
| 2 | Humana Total Complete (HMO)Humana · HMO6 of 33 counties · drug deductible $700Dental up to $4,000/yr · eyewear $250/yr | $0 | $3,800 | $3,800 | 4.5★ |
| 3 | DEVOTED CORE 001 NM (HMO)Devoted Health · HMO7 of 33 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $248/yr | $0 | $4,100 | $4,100 | Too new to rate |
| 4 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 33 counties · drug deductible $500Dental up to $1,200/yr · eyewear $100/yr | $0 | $4,300 | $4,300 | 2.5★ |
| 5 | AARP Medicare Advantage Essentials from UHC EP-1 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | HumanaChoice H5216-339 (PPO)Humana · PPO14 of 33 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 7 | DEVOTED CORE 005 NM (HMO)Devoted Health · HMO6 of 33 counties · drug deductible $650Dental up to $2,500/yr · eyewear $400/yr · OTC items $248/yr | $0 | $4,750 | $4,750 | Too new to rate |
| 8 | DEVOTED GIVEBACK EXTRAS 015 NM (HMO)Devoted Health · HMO7 of 33 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $736/yr | $0−$75 Part B giveback | $5,850 | $4,950 | Too new to rate |
| 9 | DEVOTED GIVEBACK EXTRAS 016 NM (HMO)Devoted Health · HMO6 of 33 counties · drug deductible $700Part B giveback $75/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $328/yr | $0−$75 Part B giveback | $6,150 | $5,250 | Too new to rate |
| 10 | DEVOTED GIVEBACK 002 NM (HMO)Devoted Health · HMO7 of 33 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $376/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | Too new to rate |
| 11 | DEVOTED GIVEBACK 006 NM (HMO)Devoted Health · HMO6 of 33 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $376/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | Too new to rate |
| 12 | AARP Medicare Advantage Direct OTC from UHC NM-14 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 13 | AARP Medicare Advantage Direct OTC from UHC NM-16 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $595Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 14 | AARP Medicare Advantage Direct Plus from UHC NM-15 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $595Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 15 | AARP Medicare Advantage Direct Plus from UHC NM-17 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $595Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 16 | AARP Medicare Advantage Essentials from UHC NM-4 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $580Preventive dental · eyewear $75/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 17 | AARP Medicare Advantage Essentials from UHC NM-5 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $595Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 18 | AARP Medicare Advantage Extras from UHC EP-3 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 19 | Humana Value Choice (PPO)Humana · PPO9 of 33 counties · drug deductible $400Dental · eyewear $250/yr | $0 | $5,900 | $5,900 | 4★ |
| 20 | AARP Medicare Advantage Giveback from UHC NM-8 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $220Part B giveback $61/mo · eyewear $100/yr · hearing aids $700/yr | $0−$61 Part B giveback | $7,150 | $6,418 | 4★ |
| 21 | AARP Medicare Advantage Giveback from UHC NM-7 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $685Part B giveback $55/mo · eyewear $100/yr · hearing aids $700/yr | $0−$55 Part B giveback | $7,150 | $6,490 | 4★ |
| 22 | AARP Medicare Advantage from UHC NM-0009 (HMO-POS)UnitedHealthcare · HMO-POS3 of 33 counties · drug deductible $205Preventive dental · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 23 | AARP Medicare Advantage from UHC NM-0010 (HMO-POS)UnitedHealthcare · HMO-POS1 of 33 counties · drug deductible $595Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 24 | Humana Essentials Plus Giveback (PPO)Humana · PPO25 of 33 counties · drug deductible $450Part B giveback $63/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$63 Part B giveback | $7,850 | $7,094 | 4★ |
| 25 | AARP Medicare Advantage Extras from UHC NM-12 (PPO)UnitedHealthcare · PPO4 of 33 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 26 | AARP Medicare Advantage Extras from UHC NM-13 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 27 | AARP Medicare Advantage from UHC NM-0006 (PPO)UnitedHealthcare · PPO19 of 33 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 28 | Blue Cross Medicare Advantage Basic (HMO-POS)Blue Cross and Blue Shield of IL, NM · HMO-POS4 of 33 counties · drug deductible $200Dental up to $750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 29 | AARP Medicare Advantage Giveback from UHC EP-2 (PPO)UnitedHealthcare · PPO5 of 33 counties · drug deductible $240Part B giveback $67/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$67 Part B giveback | $9,850 | $9,046 | 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 New Mexico Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in New Mexico for 2027?
29 of the 36 general-audience Medicare Advantage plans with drug coverage in New Mexico 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 New Mexico's $0 plans, the lowest in-network maximum is $3,800 and the median is $5,900.
Which $0 premium plan in New Mexico has the lowest worst-case cost?
Humana Gold Plus H0028-019 (HMO) from Humana, with an in-network out-of-pocket maximum of $3,800. It is sold in 6 of 33 counties.
Do any $0 premium plans in New Mexico also have a Part B giveback?
Yes, 8 of them. See the New Mexico 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 New Mexico Medicare Advantage plans, ranked →
- Part B giveback plans in New Mexico →
- Where $0 plans are disappearing in 2027 →
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