$0 Premium Medicare Advantage Plans in Oklahoma
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Oklahoma 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 28 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HealthSpring Preferred (HMO)HealthSpring · HMO6 of 70 counties · drug deductible $500Dental up to $2,350/yr · eyewear $300/yr · OTC items $260/yr | $0 | $3,500 | $3,500 | 3.5★ |
| 2 | Generations Classic Rewards (HMO)GlobalHealth · HMO26 of 70 counties · drug deductible $0Part B giveback $29/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $1,000/yr | $0−$29 Part B giveback | $3,900 | $3,552 | 3.5★ |
| 3 | Generations Classic Plus (HMO)GlobalHealth · HMO26 of 70 counties · drug deductible $0Dental up to $1,600/yr · eyewear $200/yr · hearing aids $1,000/yr | $0 | $3,900 | $3,900 | 3.5★ |
| 4 | Humana Total Complete (HMO-POS)Humana · HMO-POS2 of 70 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $0 | $4,900 | $4,900 | 4★ |
| 5 | Humana Value Choice (PPO)Humana · PPO18 of 70 counties · drug deductible $520Dental up to $1,500/yr · eyewear $200/yr | $0 | $5,300 | $5,300 | 4.5★ |
| 6 | HumanaChoice H5216-337 (PPO)Humana · PPO18 of 70 counties · drug deductible $520Dental up to $1,500/yr · eyewear $200/yr | $0 | $5,300 | $5,300 | 4★ |
| 7 | Humana Total Complete (HMO)Humana · HMO10 of 70 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $0 | $5,400 | $5,400 | 4★ |
| 8 | Humana Total Complete (HMO)Humana · HMO7 of 70 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $0 | $5,400 | $5,400 | 4★ |
| 9 | DEVOTED CHOICE 001 OK (PPO)Devoted Health · PPO14 of 70 counties · drug deductible $650Dental up to $2,500/yr · eyewear $300/yr · OTC items $220/yr | $0 | $5,700 | $5,700 | Too new to rate |
| 10 | HumanaChoice H5216-337 (PPO)Humana · PPO44 of 70 counties · drug deductible $520Dental up to $1,500/yr · eyewear $250/yr | $0 | $5,700 | $5,700 | 4★ |
| 11 | DEVOTED CHOICE 005 OK (PPO)Devoted Health · PPO11 of 70 counties · drug deductible $650Dental up to $3,750/yr · eyewear $300/yr · OTC items $208/yr | $0 | $5,850 | $5,850 | Too new to rate |
| 12 | AARP Medicare Advantage from UHC OK-0004 (HMO-POS)UnitedHealthcare · HMO-POS25 of 70 counties · drug deductible $685Dental up to $1,750/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 13 | AARP Medicare Advantage from UHC OK-1P (HMO-POS)UnitedHealthcare · HMO-POS1 of 70 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 14 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO6 of 70 counties · drug deductible $700Part B giveback $75/mo · Dental up to $900/yr · eyewear $250/yr · OTC items $140/yr | $0−$75 Part B giveback | $6,900 | $6,000 | 3.5★ |
| 15 | AARP Medicare Advantage Essentials from UHC OK-3 (HMO-POS)UnitedHealthcare · HMO-POS24 of 70 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,500 | $6,500 | 4★ |
| 16 | Senior Health Plan Silver Plus (HMO)CommunityCare Senior Health Plan (HMO) · HMO40 of 70 counties · drug deductible $650Dental up to $1,000/yr · eyewear $200/yr · OTC items $120/yr | $0 | $6,500 | $6,500 | 4★ |
| 17 | Humana Essentials Plus Giveback (PPO)Humana · PPO44 of 70 counties · drug deductible $700Part B giveback $93/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$93 Part B giveback | $7,925 | $6,809 | 4.5★ |
| 18 | DEVOTED CHOICE GIVEBACK EXTRAS 013 OK (PPO)Devoted Health · PPO14 of 70 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $350/yr · OTC items $328/yr | $0−$70 Part B giveback | $7,650 | $6,810 | Too new to rate |
| 19 | HumanaChoice Giveback H5216-264 (PPO)Humana · PPO44 of 70 counties · drug deductible $700Part B giveback $91/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$91 Part B giveback | $7,925 | $6,833 | 4★ |
| 20 | DEVOTED CHOICE GIVEBACK EXTRAS 014 OK (PPO)Devoted Health · PPO11 of 70 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $350/yr · OTC items $336/yr | $0−$70 Part B giveback | $7,750 | $6,910 | Too new to rate |
| 21 | AARP Medicare Advantage Extras from UHC OK-10 (HMO-POS)UnitedHealthcare · HMO-POS24 of 70 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 22 | AARP Medicare Advantage from UHC OK-0006 (PPO)UnitedHealthcare · PPO24 of 70 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 23 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO51 of 70 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 24 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO4 of 70 counties · drug deductible $300Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 25 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO4 of 70 counties · drug deductible $300Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 26 | Native Advantage (HMO)Native Advantage · HMO11 of 70 counties · drug deductible $600Dental up to $1,250/yr · eyewear $200/yr · OTC items $280/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 27 | DEVOTED CHOICE GIVEBACK 006 OK (PPO)Devoted Health · PPO11 of 70 counties · drug deductible $461Part B giveback $160/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $68/yr | $0−$160 Part B giveback | $9,850 | $7,930 | Too new to rate |
| 28 | DEVOTED CHOICE GIVEBACK 002 OK (PPO)Devoted Health · PPO14 of 70 counties · drug deductible $461Part B giveback $159.90/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159.90 Part B giveback | $9,850 | $7,931 | Too new to rate |
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 Oklahoma Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Oklahoma for 2027?
28 of the 43 general-audience Medicare Advantage plans with drug coverage in Oklahoma 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 Oklahoma's $0 plans, the lowest in-network maximum is $3,500 and the median is $6,500.
Which $0 premium plan in Oklahoma has the lowest worst-case cost?
HealthSpring Preferred (HMO) from HealthSpring, with an in-network out-of-pocket maximum of $3,500. It is sold in 6 of 70 counties.
Do any $0 premium plans in Oklahoma also have a Part B giveback?
Yes, 8 of them. See the Oklahoma 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 Oklahoma Medicare Advantage plans, ranked →
- Part B giveback plans in Oklahoma →
- Where $0 plans are disappearing in 2027 →
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