$0 Premium Medicare Advantage Plans in Oregon
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Oregon 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 31 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Kaiser Permanente Senior Advantage Value Lane (HMO-POS)Kaiser Permanente · HMO-POS1 of 30 counties · drug deductible $0 | $0 | $4,450 | $4,450 | 4.5★ |
| 2 | Humana Total Complete (HMO)Humana · HMO4 of 30 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $5,150 | $5,150 | 4.5★ |
| 3 | ATRIO Choice Rx (PPO)ATRIO Health Plans · PPO5 of 30 counties · drug deductible $400Dental up to $600/yr · eyewear $150/yr · OTC items $120/yr | $0 | $5,900 | $5,900 | 2.5★ |
| 4 | DEVOTED CORE 011 OR (HMO)Devoted Health · HMO5 of 30 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr | $0 | $5,900 | $5,900 | 3★ |
| 5 | AARP Medicare Advantage Essentials from UHC OR-7 (HMO-POS)UnitedHealthcare · HMO-POS11 of 30 counties · drug deductible $685Dental · eyewear $75/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 6 | DEVOTED CORE 001 OR (HMO)Devoted Health · HMO8 of 30 counties · drug deductible $461Dental up to $1,750/yr · eyewear $400/yr · OTC items $160/yr | $0 | $6,700 | $6,700 | 3★ |
| 7 | Humana Value Choice (PPO)Humana · PPO7 of 30 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr | $0 | $6,750 | $6,750 | 4★ |
| 8 | Kaiser Permanente Senior Advantage Value (HMO-POS)Kaiser Permanente · HMO-POS9 of 30 counties · drug deductible $0 | $0 | $6,750 | $6,750 | 4.5★ |
| 9 | DEVOTED GIVEBACK EXTRAS 025 OR (HMO)Devoted Health · HMO8 of 30 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $436/yr | $0−$70 Part B giveback | $7,700 | $6,860 | 3★ |
| 10 | Humana Value Choice (PPO)Humana · PPO5 of 30 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $6,950 | $6,950 | 4★ |
| 11 | Humana Value Choice (PPO)Humana · PPO1 of 30 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $7,000 | $7,000 | 4★ |
| 12 | Regence BlueAdvantage HMO (HMO)Regence BlueCross BlueShield of Oregon · HMO1 of 30 counties · drug deductible $310Part B giveback $11/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$11 Part B giveback | $7,150 | $7,018 | 3.5★ |
| 13 | DEVOTED GIVEBACK 028 OR (HMO)Devoted Health · HMO3 of 30 counties · drug deductible $461Part B giveback $154.20/mo · Dental up to $250/yr · eyewear $200/yr | $0−$154.20 Part B giveback | $8,900 | $7,050 | 3★ |
| 14 | DEVOTED GIVEBACK 028 OR (HMO)Devoted Health · HMO8 of 30 counties · drug deductible $461Part B giveback $154.20/mo · Dental up to $250/yr · eyewear $200/yr | $0−$154.20 Part B giveback | $8,900 | $7,050 | 3★ |
| 15 | DEVOTED GIVEBACK 028 OR (HMO)Devoted Health · HMO3 of 30 counties · drug deductible $461Part B giveback $154.20/mo · Dental up to $250/yr · eyewear $200/yr | $0−$154.20 Part B giveback | $8,900 | $7,050 | 3★ |
| 16 | DEVOTED GIVEBACK EXTRAS 024 OR (HMO)Devoted Health · HMO3 of 30 counties · drug deductible $700Part B giveback $70/mo · Dental up to $1,250/yr · eyewear $350/yr · OTC items $520/yr | $0−$70 Part B giveback | $7,900 | $7,060 | 3★ |
| 17 | DEVOTED GIVEBACK EXTRAS 029 OR (HMO)Devoted Health · HMO3 of 30 counties · drug deductible $700Part B giveback $70/mo · Dental up to $1,250/yr · eyewear $350/yr · OTC items $376/yr | $0−$70 Part B giveback | $7,900 | $7,060 | 3★ |
| 18 | DEVOTED CORE 026 OR (HMO)Devoted Health · HMO3 of 30 counties · drug deductible $461Dental up to $1,000/yr · eyewear $300/yr · OTC items $120/yr | $0 | $7,100 | $7,100 | 3★ |
| 19 | DEVOTED CORE 026 OR (HMO)Devoted Health · HMO3 of 30 counties · drug deductible $461Dental up to $1,000/yr · eyewear $300/yr · OTC items $120/yr | $0 | $7,100 | $7,100 | 3★ |
| 20 | DEVOTED GIVEBACK EXTRAS 022 OR (HMO)Devoted Health · HMO5 of 30 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,250/yr · eyewear $400/yr · OTC items $400/yr | $0−$70 Part B giveback | $7,950 | $7,110 | 3★ |
| 21 | AARP Medicare Advantage Extras from UHC OR-6 (HMO-POS)UnitedHealthcare · HMO-POS10 of 30 counties · drug deductible $685Dental up to $1,250/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 22 | AARP Medicare Advantage from UHC OR-0002 (PPO)UnitedHealthcare · PPO9 of 30 counties · drug deductible $685Preventive dental · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 23 | Aetna Medicare Elite (HMO)Aetna Medicare · HMO5 of 30 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3★ |
| 24 | Aetna Medicare Elite (HMO)Aetna Medicare · HMO2 of 30 counties · drug deductible $400Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3★ |
| 25 | ATRIO Choice Rx (PPO)ATRIO Health Plans · PPO1 of 30 counties · drug deductible $500Dental up to $1,200/yr · eyewear $200/yr · OTC items $200/yr | $0 | $7,150 | $7,150 | 2.5★ |
| 26 | ATRIO Choice Rx (PPO)ATRIO Health Plans · PPO2 of 30 counties · drug deductible $500Dental up to $600/yr · eyewear $150/yr · OTC items $200/yr | $0 | $7,150 | $7,150 | 2.5★ |
| 27 | Humana Value Choice (PPO)Humana · PPO1 of 30 counties · drug deductible $700Dental up to $3,500/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 28 | ATRIO Choice Rx (PPO)ATRIO Health Plans · PPO2 of 30 counties · drug deductible $500Dental up to $600/yr · eyewear $200/yr | $0 | $7,900 | $7,900 | 2.5★ |
| 29 | Wellcare PeaceHealth Simple (HMO-POS)Wellcare · HMO-POS1 of 30 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,900 | $7,900 | 3★ |
| 30 | Humana Essentials Plus Giveback (HMO)Humana · HMO4 of 30 counties · drug deductible $700Part B giveback $56/mo · Dental · eyewear $250/yr | $0−$56 Part B giveback | $9,050 | $8,378 | 4.5★ |
| 31 | DEVOTED GIVEBACK 012 OR (HMO)Devoted Health · HMO5 of 30 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $9,850 | $8,434 | 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
No $0-premium plan with drug coverage in: Coos, Deschutes, Jefferson, Klamath.
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 Oregon Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Oregon for 2027?
31 of the 58 general-audience Medicare Advantage plans with drug coverage in Oregon have a $0 monthly plan premium for 2027. 4 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 Oregon's $0 plans, the lowest in-network maximum is $4,450 and the median is $7,150.
Which $0 premium plan in Oregon has the lowest worst-case cost?
Kaiser Permanente Senior Advantage Value Lane (HMO-POS) from Kaiser Permanente, with an in-network out-of-pocket maximum of $4,450. It is sold in 1 of 30 counties.
Do any $0 premium plans in Oregon also have a Part B giveback?
Yes, 10 of them. See the Oregon 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 Oregon Medicare Advantage plans, ranked →
- Part B giveback plans in Oregon →
- Where $0 plans are disappearing in 2027 →
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