$0 Premium Medicare Advantage Plans in New York
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in New York 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 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS5 of 62 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 2 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 3 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO2 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 4 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 62 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 5 | Trinity Health Plan New York No Premium (HMO)Trinity Health Plan New York · HMO8 of 62 counties · drug deductible $425Dental up to $1,000/yr · eyewear $250/yr · OTC items $100/yr | $0 | $7,900 | $7,900 | 3★ |
| 6 | Trinity Health Plan New York Cash Back (HMO)Trinity Health Plan New York · HMO8 of 62 counties · drug deductible $450Part B giveback $70/mo · Preventive dental up to $1,000/yr · eyewear $150/yr · OTC items $100/yr | $0−$70 Part B giveback | $9,250 | $8,410 | 3★ |
| 7 | DEVOTED CHOICE GIVEBACK 002 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 8 | DEVOTED CHOICE GIVEBACK 004 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 9 | DEVOTED CHOICE GIVEBACK 008 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 10 | DEVOTED CHOICE GIVEBACK 010 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $156/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 11 | DEVOTED CHOICE GIVEBACK EXTRAS 031 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $350/yr · OTC items $388/yr | $0−$70 Part B giveback | $9,650 | $8,810 | Too new to rate |
| 12 | DEVOTED CHOICE GIVEBACK EXTRAS 028 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $150/yr · OTC items $268/yr | $0−$70 Part B giveback | $9,750 | $8,910 | Too new to rate |
| 13 | DEVOTED CHOICE GIVEBACK EXTRAS 029 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $150/yr · OTC items $252/yr | $0−$70 Part B giveback | $9,750 | $8,910 | Too new to rate |
| 14 | DEVOTED CHOICE GIVEBACK EXTRAS 032 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $380/yr | $0−$70 Part B giveback | $9,750 | $8,910 | Too new to rate |
| 15 | Humana Gold Plus H3533-033 (HMO)Humana · HMO2 of 62 counties · drug deductible $550Dental · eyewear $200/yr | $0 | $9,050 | $9,050 | 3★ |
| 16 | HumanaChoice H5970-028 (PPO)Humana · PPO3 of 62 counties · drug deductible $700Dental · eyewear $200/yr | $0 | $9,250 | $9,250 | 3★ |
| 17 | AARP Medicare Advantage from UHC NY-0007 (HMO-POS)UnitedHealthcare · HMO-POS8 of 62 counties · drug deductible $685Dental up to $1,000/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $9,300 | $9,300 | 3.5★ |
| 18 | DEVOTED CHOICE 007 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $300/yr | $0 | $9,350 | $9,350 | Too new to rate |
| 19 | AARP Medicare Advantage from UHC NY-0012 (PPO)UnitedHealthcare · PPO3 of 62 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $9,400 | $9,400 | 3★ |
| 20 | Wellcare Giveback Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Part B giveback $37/mo · Dental | $0−$37 Part B giveback | $9,850 | $9,406 | 3★ |
| 21 | DEVOTED CHOICE 001 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $100/yr | $0 | $9,500 | $9,500 | Too new to rate |
| 22 | DEVOTED CHOICE 003 NY (PPO)Devoted Health · PPO10 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $100/yr | $0 | $9,500 | $9,500 | Too new to rate |
| 23 | DEVOTED CHOICE 009 NY (PPO)Devoted Health · PPO2 of 62 counties · drug deductible $650Dental up to $1,750/yr · eyewear $150/yr | $0 | $9,500 | $9,500 | Too new to rate |
| 24 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO11 of 62 counties · drug deductible $700Dental up to $750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 25 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO7 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 26 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO1 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 27 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO16 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
| 28 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO2 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
| 29 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO14 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 30 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO4 of 62 counties · drug deductible $400Preventive dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 31 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO6 of 62 counties · drug deductible $700Preventive dental · eyewear $100/yr · OTC items $60/yr | $0 | $9,850 | $9,850 | 3★ |
| 32 | CDPHP $0 Medicare Rx (HMO)CDPHP Medicare Advantage · HMO9 of 62 counties · drug deductible $700Dental up to $400/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 33 | EmblemHealth VIP Value (HMO)EmblemHealth · HMO5 of 62 counties · drug deductible $650Dental · eyewear $150/yr · hearing aids $1,000/yr | $0 | $9,850 | $9,850 | 4★ |
| 34 | EmblemHealth VIP Value (HMO)EmblemHealth · HMO1 of 62 counties · drug deductible $650Dental · eyewear $150/yr · hearing aids $1,000/yr | $0 | $9,850 | $9,850 | 4★ |
| 35 | Healthfirst 65 Plus Plan (HMO)Healthfirst Medicare Plan · HMO7 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 36 | Medicare Blue Choice 024 (HMO)Excellus Health Plan, Inc · HMO4 of 62 counties · drug deductible $700Preventive dental | $0 | $9,850 | $9,850 | 4★ |
| 37 | MetroPlus Platinum Plan (HMO)MetroPlus Health Plan · HMO5 of 62 counties · drug deductible $700Dental up to $1,500/yr · eyewear $500/yr · hearing aids $2,000/yr · OTC items $240/yr | $0 | $9,850 | $9,850 | 4★ |
| 38 | Univera SeniorChoice Basic (HMO)Excellus Health Plan, Inc · HMO8 of 62 counties · drug deductible $700Dental up to $500/yr | $0 | $9,850 | $9,850 | 4★ |
| 39 | Wellcare Assist Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 40 | Wellcare Fidelis Assist (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $350/yr per ear | $0 | $9,850 | $9,850 | 3★ |
| 41 | Wellcare Fidelis Simple (HMO-POS)Wellcare · HMO-POS58 of 62 counties · drug deductible $700Dental | $0 | $9,850 | $9,850 | 3★ |
| 42 | Wellcare Simple Open (PPO)Wellcare · PPO48 of 62 counties · drug deductible $700Dental · hearing aids $750/yr per ear | $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 New York Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in New York for 2027?
42 of the 127 general-audience Medicare Advantage plans with drug coverage in New York 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 York's $0 plans, the lowest in-network maximum is $7,150 and the median is $9,850.
Which $0 premium plan in New York has the lowest worst-case cost?
Aetna Medicare Signature (HMO-POS) from Aetna Medicare, with an in-network out-of-pocket maximum of $7,150. It is sold in 5 of 62 counties.
Do any $0 premium plans in New York also have a Part B giveback?
Yes, 10 of them. See the New York 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 York Medicare Advantage plans, ranked →
- Part B giveback plans in New York →
- Where $0 plans are disappearing in 2027 →
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