Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
$0 Premium Medicare Advantage Plans in Ohio
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Ohio 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.
67$0-premium plans, of 118 with drug coverage
$4,200lowest in-network out-of-pocket max among them
13also pay part of your Part B premium
Showing all 67 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H0292-004 (HMO-POS)Humana · HMO-POS6 of 88 counties · drug deductible $350Dental up to $4,000/yr · eyewear $100/yr | $0 | $4,200 | $4,200 | 4.5★ |
| 2 | Humana Gold Plus H6622-014 (HMO-POS)Humana · HMO-POS11 of 88 counties · drug deductible $500Dental up to $2,000/yr · eyewear $250/yr | $0 | $4,200 | $4,200 | 4★ |
| 3 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS9 of 88 counties · drug deductible $425Dental up to $1,500/yr · eyewear $200/yr · hearing aids $3,000/yr · OTC items $140/yr | $0 | $4,450 | $4,450 | 3.5★ |
| 4 | Aetna Medicare Advantra Signature Classic (PPO)Aetna Medicare · PPO11 of 88 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $0 | $4,500 | $4,500 | 4★ |
| 5 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS15 of 88 counties · drug deductible $425Dental up to $2,000/yr · eyewear $300/yr · hearing aids $3,000/yr · OTC items $140/yr | $0 | $4,750 | $4,750 | 3.5★ |
| 6 | DEVOTED CORE 022 OH (HMO)Devoted Health · HMO36 of 88 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $260/yr | $0 | $4,750 | $4,750 | 4★ |
| 7 | AARP Medicare Advantage Essentials from UHC OH-7 (HMO-POS)UnitedHealthcare · HMO-POS8 of 88 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,900 | $4,900 | 4★ |
| 8 | AARP Medicare Advantage from UHC OH-18 (HMO-POS)UnitedHealthcare · HMO-POS5 of 88 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $4,900 | $4,900 | 4★ |
| 9 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO14 of 88 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $140/yr | $0 | $4,900 | $4,900 | 4★ |
| 10 | Aetna Medicare Signature Care (HMO-POS)Aetna Medicare · HMO-POS16 of 88 counties · drug deductible $400Dental up to $1,250/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 11 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS5 of 88 counties · drug deductible $500Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 12 | DEVOTED CORE 001 OH (HMO)Devoted Health · HMO36 of 88 counties · drug deductible $650Dental up to $1,750/yr · eyewear $200/yr | $0 | $4,900 | $4,900 | 4★ |
| 13 | DEVOTED CORE 015 OH (HMO)Devoted Health · HMO18 of 88 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $144/yr | $0 | $4,900 | $4,900 | 4★ |
| 14 | Perennial Advantage Freedom (HMO-POS)Perennial Advantage · HMO-POS19 of 88 counties · drug deductible $350Dental up to $3,500/yr · eyewear $150/yr · hearing aids $1,560/yr | $0 | $4,900 | $4,900 | Not rated |
| 15 | DEVOTED CORE 004 OH (HMO)Devoted Health · HMO18 of 88 counties · drug deductible $650Dental up to $2,000/yr · eyewear $250/yr · OTC items $120/yr | $0 | $4,950 | $4,950 | 4★ |
| 16 | MedMutual Advantage Elite Standard (HMO-POS)Medical Mutual of Ohio · HMO-POS5 of 88 counties · drug deductible $380Dental up to $1,250/yr · eyewear $130/yr · OTC items $120/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 17 | SummaCare Medicare Quartz (HMO)SummaCare Medicare Advantage Plans · HMO25 of 88 counties · drug deductible $410Dental up to $2,000/yr · eyewear $100/yr · OTC items $100/yr | $0 | $5,200 | $5,200 | 4★ |
| 18 | DEVOTED GIVEBACK EXTRAS 026 OH (HMO)Devoted Health · HMO36 of 88 counties · drug deductible $700Part B giveback $90/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $796/yr | $0−$90 Part B giveback | $6,350 | $5,270 | 4★ |
| 19 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO10 of 88 counties · drug deductible $600Part B giveback $102/mo · Dental up to $500/yr · eyewear $100/yr | $0−$102 Part B giveback | $6,500 | $5,276 | 2.5★ |
| 20 | DEVOTED CHOICE 001 OH (PPO)Devoted Health · PPO78 of 88 counties · drug deductible $650Dental up to $1,500/yr · eyewear $350/yr | $0 | $5,300 | $5,300 | 4.5★ |
| 21 | DEVOTED CHOICE 003 OH (PPO)Devoted Health · PPO78 of 88 counties · drug deductible $650Dental up to $2,500/yr · eyewear $250/yr · OTC items $120/yr | $0 | $5,300 | $5,300 | 4.5★ |
| 22 | MedMutual Advantage Elite Preferred (PPO)Medical Mutual of Ohio · PPO5 of 88 counties · drug deductible $300Dental up to $2,500/yr · eyewear $130/yr · OTC items $100/yr | $0 | $5,300 | $5,300 | 4.5★ |
| 23 | DEVOTED GIVEBACK EXTRAS 027 OH (HMO)Devoted Health · HMO18 of 88 counties · drug deductible $700Part B giveback $90/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $864/yr | $0−$90 Part B giveback | $6,400 | $5,320 | 4★ |
| 24 | Mount Carmel MediGold No Premium (HMO)MediGold · HMO15 of 88 counties · drug deductible $275Part B giveback $6.20/mo · Dental up to $1,000/yr · eyewear $250/yr · OTC items $200/yr | $0−$6.20 Part B giveback | $5,500 | $5,426 | 3.5★ |
| 25 | DEVOTED CORE 019 OH (HMO)Devoted Health · HMO24 of 88 counties · drug deductible $650Dental up to $3,500/yr · eyewear $250/yr · OTC items $144/yr | $0 | $5,450 | $5,450 | 4★ |
| 26 | Aetna Medicare Prime Care (HMO-POS)Aetna Medicare · HMO-POS7 of 88 counties · drug deductible $400Dental up to $1,500/yr · eyewear $175/yr · hearing aids $1,250/yr per ear · OTC items $160/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 27 | Aetna Medicare Signature Care (HMO-POS)Aetna Medicare · HMO-POS21 of 88 counties · drug deductible $500Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr per ear · OTC items $100/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 28 | DEVOTED CORE 007 OH (HMO)Devoted Health · HMO24 of 88 counties · drug deductible $650Dental up to $2,000/yr · eyewear $250/yr · OTC items $120/yr | $0 | $5,500 | $5,500 | 4★ |
| 29 | Humana Gold Plus H6622-022 (HMO-POS)Humana · HMO-POS23 of 88 counties · drug deductible $500Dental up to $4,000/yr · eyewear $250/yr | $0 | $5,500 | $5,500 | 4★ |
| 30 | MedMutual Advantage Classic (HMO-POS)Medical Mutual of Ohio · HMO-POS19 of 88 counties · drug deductible $315Dental up to $1,000/yr · eyewear $130/yr · OTC items $80/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 31 | Zing Elite Select OH (HMO)Zing Health · HMO3 of 88 counties · drug deductible $350Dental up to $2,000/yr · eyewear $275/yr · hearing aids $250/yr per ear · OTC items $380/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 32 | Zing Select Care OH (HMO)Zing Health · HMO15 of 88 counties · drug deductible $450Dental up to $2,000/yr · eyewear $300/yr · hearing aids $250/yr per ear · OTC items $300/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 33 | DEVOTED GIVEBACK EXTRAS 028 OH (HMO)Devoted Health · HMO24 of 88 counties · drug deductible $700Part B giveback $90/mo · Dental up to $3,000/yr · eyewear $300/yr · OTC items $936/yr | $0−$90 Part B giveback | $6,800 | $5,720 | 4★ |
| 34 | DEVOTED GIVEBACK 003 OH (HMO)Devoted Health · HMO36 of 88 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $112/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | 4★ |
| 35 | DEVOTED GIVEBACK 006 OH (HMO)Devoted Health · HMO18 of 88 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $400/yr · OTC items $520/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | 4★ |
| 36 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO13 of 88 counties · drug deductible $400Part B giveback $90/mo · Dental up to $350/yr · eyewear $100/yr | $0−$90 Part B giveback | $6,950 | $5,870 | 2.5★ |
| 37 | HealthSpring Preferred (HMO)HealthSpring · HMO13 of 88 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · OTC items $60/yr | $0 | $5,875 | $5,875 | 2.5★ |
| 38 | AARP Medicare Advantage Essentials from UHC OH-2 (HMO-POS)UnitedHealthcare · HMO-POS17 of 88 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 39 | AARP Medicare Advantage Essentials from UHC OH-5 (HMO-POS)UnitedHealthcare · HMO-POS17 of 88 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 40 | AARP Medicare Advantage Essentials from UHC OH-5 (HMO-POS)UnitedHealthcare · HMO-POS22 of 88 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 41 | AARP Medicare Advantage Essentials from UHC OH-7 (HMO-POS)UnitedHealthcare · HMO-POS19 of 88 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 42 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO37 of 88 counties · drug deductible $500Dental up to $1,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $320/yr | $0 | $5,900 | $5,900 | 4★ |
| 43 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO16 of 88 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 44 | Aetna Medicare Signature Care (HMO-POS)Aetna Medicare · HMO-POS24 of 88 counties · drug deductible $400Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,250/yr per ear · OTC items $100/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 45 | Mount Carmel MediGold No Premium (HMO)MediGold · HMO30 of 88 counties · drug deductible $275Dental up to $1,000/yr · eyewear $250/yr · OTC items $180/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 46 | PrimeTime Health Plan Aultimate (HMO-POS)PrimeTime Health Plan · HMO-POS10 of 88 counties · drug deductible $700Dental up to $850/yr · eyewear $75/yr | $0 | $5,900 | $5,900 | 4.5★ |
| 47 | DEVOTED GIVEBACK 009 OH (HMO)Devoted Health · HMO24 of 88 counties · drug deductible $461Part B giveback $170/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $560/yr | $0−$170 Part B giveback | $8,000 | $5,960 | 4★ |
| 48 | Humana Gold Plus H6622-013 (HMO-POS)Humana · HMO-POS10 of 88 counties · drug deductible $600Dental up to $2,000/yr · eyewear $100/yr | $0 | $6,000 | $6,000 | 4★ |
| 49 | Humana Gold Plus H6622-021 (HMO-POS)Humana · HMO-POS15 of 88 counties · drug deductible $600Dental up to $2,500/yr · eyewear $100/yr | $0 | $6,250 | $6,250 | 4★ |
| 50 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS5 of 88 counties · drug deductible $425Dental up to $1,000/yr · eyewear $250/yr · hearing aids $2,000/yr · OTC items $120/yr | $0 | $6,320 | $6,320 | 3.5★ |
| 51 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS9 of 88 counties · drug deductible $700Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $6,350 | $6,350 | 3.5★ |
| 52 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS46 of 88 counties · drug deductible $425Dental up to $1,000/yr · eyewear $175/yr · hearing aids $2,000/yr · OTC items $140/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 53 | AARP Medicare Advantage Extras from UHC OH-12 (HMO-POS)UnitedHealthcare · HMO-POS8 of 88 counties · drug deductible $685Dental up to $5,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,700 | $6,700 | 4★ |
| 54 | HealthSpring Preferred (HMO)HealthSpring · HMO10 of 88 counties · drug deductible $400Dental up to $5,000/yr · eyewear $125/yr | $0 | $6,750 | $6,750 | 2.5★ |
| 55 | HumanaChoice H5216-285 (PPO)Humana · PPO73 of 88 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4★ |
| 56 | HumanaChoice H7617-004 (PPO)Humana · PPO71 of 88 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 57 | Mount Carmel MediGold Cash Back (HMO)MediGold · HMO45 of 88 counties · drug deductible $350Part B giveback $160/mo · Preventive dental up to $1,000/yr · eyewear $125/yr · OTC items $100/yr | $0−$160 Part B giveback | $8,900 | $6,980 | 3.5★ |
| 58 | AARP Medicare Advantage Extras from UHC OH-10 (HMO-POS)UnitedHealthcare · HMO-POS22 of 88 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 59 | AARP Medicare Advantage Extras from UHC OH-11 (HMO-POS)UnitedHealthcare · HMO-POS17 of 88 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 60 | AARP Medicare Advantage Extras from UHC OH-13 (HMO-POS)UnitedHealthcare · HMO-POS19 of 88 counties · drug deductible $685Dental up to $2,000/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 61 | AARP Medicare Advantage Extras from UHC OH-9 (HMO-POS)UnitedHealthcare · HMO-POS17 of 88 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 62 | Humana Cleveland Clinic Preferred (HMO-POS)Humana · HMO-POS1 of 88 counties · drug deductible $500Dental up to $3,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 63 | MedMutual Advantage Classic (HMO-POS)Medical Mutual of Ohio · HMO-POS19 of 88 counties · drug deductible $315Dental up to $850/yr · eyewear $130/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 64 | Anthem Extra Help (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POSAll 88 counties · drug deductible $105Dental up to $1,200/yr · eyewear $275/yr · hearing aids $3,000/yr · OTC items $500/yr | $0 | $7,350 | $7,350 | 3.5★ |
| 65 | AARP Medicare Advantage Giveback from UHC OH-17 (HMO-POS)UnitedHealthcare · HMO-POS83 of 88 counties · drug deductible $685Part B giveback $58/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$58 Part B giveback | $8,500 | $7,804 | 4★ |
| 66 | Humana Essentials Plus Giveback (PPO)Humana · PPO63 of 88 counties · drug deductible $700Part B giveback $124/mo · Dental up to $500/yr · eyewear $100/yr | $0−$124 Part B giveback | $9,850 | $8,362 | 4.5★ |
| 67 | HumanaChoice Giveback H5216-481 (PPO)Humana · PPO64 of 88 counties · drug deductible $700Part B giveback $123/mo · Dental up to $500/yr · eyewear $100/yr | $0−$123 Part B giveback | $9,850 | $8,374 | 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 Ohio Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Ohio for 2027?
67 of the 118 general-audience Medicare Advantage plans with drug coverage in Ohio 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 Ohio's $0 plans, the lowest in-network maximum is $4,200 and the median is $5,900.
Which $0 premium plan in Ohio has the lowest worst-case cost?
Humana Gold Plus H0292-004 (HMO-POS) from Humana, with an in-network out-of-pocket maximum of $4,200. It is sold in 6 of 88 counties.
Do any $0 premium plans in Ohio also have a Part B giveback?
Yes, 13 of them. See the Ohio 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 Ohio Medicare Advantage plans, ranked →
- Part B giveback plans in Ohio →
- Where $0 plans are disappearing in 2027 →
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