$0 Premium Medicare Advantage Plans in North Dakota
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in North Dakota 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 3 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO29 of 32 counties · drug deductible $500Preventive dental · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $5,900 | $5,900 | 2.5★ |
| 2 | Aetna Medicare Signature Classic Extra (PPO)Aetna Medicare · PPO29 of 32 counties · drug deductible $400Dental up to $750/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $80/yr | $0 | $7,150 | $7,150 | 4★ |
| 3 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO29 of 32 counties · drug deductible $400Dental up to $750/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $100/yr | $0 | $7,150 | $7,150 | 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
No $0-premium plan with drug coverage in: McHenry, Pembina, Ramsey.
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 North Dakota Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in North Dakota for 2027?
3 of the 10 general-audience Medicare Advantage plans with drug coverage in North Dakota have a $0 monthly plan premium for 2027. 3 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 North Dakota's $0 plans, the lowest in-network maximum is $5,900 and the median is $7,150.
Which $0 premium plan in North Dakota has the lowest worst-case cost?
Aetna Medicare Elite (PPO) from Aetna Medicare, with an in-network out-of-pocket maximum of $5,900. It is sold in 29 of 32 counties.
Do any $0 premium plans in North Dakota also have a Part B giveback?
None of the $0 plans with drug coverage in North Dakota files a Part B giveback for 2027.
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
Other states
Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin