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 Pennsylvania
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Pennsylvania 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.
118$0-premium plans, of 245 with drug coverage
$4,500lowest in-network out-of-pocket max among them
38also pay part of your Part B premium
Showing all 118 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Perennial Advantage Freedom (HMO)Perennial Advantage · HMO12 of 67 counties · drug deductible $400Dental up to $2,100/yr · eyewear $150/yr · hearing aids $600/yr | $0 | $4,500 | $4,500 | Not rated |
| 2 | Aetna Medicare Advantra Signature Plus (HMO-POS)Aetna Medicare · HMO-POS1 of 67 counties · drug deductible $400Dental up to $1,250/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 3 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO29 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $175/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 4 | Aetna Medicare Signature Plus (HMO-POS)Aetna Medicare · HMO-POS29 of 67 counties · drug deductible $400Dental up to $1,250/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $100/yr | $0 | $5,500 | $5,500 | 3.5★ |
| 5 | Capital Blue Cross Essential (HMO)Capital Blue Cross · HMO3 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0 | $5,550 | $5,550 | 4★ |
| 6 | DEVOTED GIVEBACK 009 PA (HMO)Devoted Health · HMO18 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $348/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | 3.5★ |
| 7 | DEVOTED GIVEBACK 013 PA (HMO)Devoted Health · HMO7 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $332/yr | $0−$184.70 Part B giveback | $8,000 | $5,784 | 3.5★ |
| 8 | Aetna Medicare Signature Extra Plus (HMO-POS)Aetna Medicare · HMO-POS7 of 67 counties · drug deductible $400Dental up to $1,000/yr · eyewear $125/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 9 | DEVOTED CORE 010 PA (HMO)Devoted Health · HMO13 of 67 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 10 | Peak Advantage Vista (PPO)Peak Health · PPO2 of 67 counties · drug deductible $0Dental up to $4,500/yr · OTC items $380/yr | $0 | $5,900 | $5,900 | 5★ |
| 11 | DEVOTED GIVEBACK EXTRAS 034 PA (HMO)Devoted Health · HMO7 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $676/yr | $0−$70 Part B giveback | $6,850 | $6,010 | 3.5★ |
| 12 | Together Blue Medicare HMO with AHN Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO6 of 67 counties · drug deductible $700Part B giveback $19/mo · Dental up to $3,000/yr · eyewear $150/yr · OTC items $180/yr | $0−$19 Part B giveback | $6,250 | $6,022 | 4.5★ |
| 13 | DEVOTED CORE 012 PA (HMO)Devoted Health · HMO7 of 67 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $136/yr | $0 | $6,250 | $6,250 | 3.5★ |
| 14 | DEVOTED GIVEBACK EXTRAS 032 PA (HMO)Devoted Health · HMO18 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,750/yr · eyewear $400/yr · OTC items $676/yr | $0−$70 Part B giveback | $7,100 | $6,260 | 3.5★ |
| 15 | Humana USAA Honor Giveback with Rx (PPO)Humana · PPO62 of 67 counties · drug deductible $700Part B giveback $84/mo · Dental up to $3,000/yr · eyewear $200/yr | $0−$84 Part B giveback | $7,350 | $6,342 | 4★ |
| 16 | UPMC for Life HMO Premier Rx (HMO)UPMC for Life · HMO7 of 67 counties · drug deductible $700Part B giveback $0.50/mo · Dental up to $2,000/yr · eyewear $200/yr | $0−$0.50 Part B giveback | $6,500 | $6,494 | 4.5★ |
| 17 | UPMC for Life HMO Premier Rx (HMO)UPMC for Life · HMO6 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $6,500 | $6,500 | 4.5★ |
| 18 | DEVOTED CORE 014 PA (HMO)Devoted Health · HMO14 of 67 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $248/yr | $0 | $6,550 | $6,550 | 3.5★ |
| 19 | DEVOTED CHOICE 010 PA (PPO)Devoted Health · PPO27 of 67 counties · drug deductible $461Dental up to $3,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $6,600 | $6,600 | 3★ |
| 20 | AARP Medicare Advantage Essentials from UHC PA-5 (HMO-POS)UnitedHealthcare · HMO-POS5 of 67 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $6,700 | $6,700 | 4★ |
| 21 | Humana Essentials Plus Giveback (PPO)Humana · PPO22 of 67 counties · drug deductible $700Part B giveback $107/mo · Dental · eyewear $200/yr | $0−$107 Part B giveback | $8,000 | $6,716 | 4★ |
| 22 | DEVOTED CORE 008 PA (HMO)Devoted Health · HMO18 of 67 counties · drug deductible $650Dental up to $3,500/yr · eyewear $400/yr · OTC items $136/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 23 | DEVOTED GIVEBACK EXTRAS 033 PA (HMO)Devoted Health · HMO13 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,250/yr · eyewear $400/yr · OTC items $800/yr | $0−$70 Part B giveback | $7,600 | $6,760 | 3.5★ |
| 24 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO9 of 67 counties · drug deductible $700Part B giveback $15/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0−$15 Part B giveback | $6,950 | $6,770 | 4.5★ |
| 25 | Capital Blue Cross Essential (HMO)Capital Blue Cross · HMO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0 | $6,800 | $6,800 | 4★ |
| 26 | UPMC for Life Essential Rx (PPO)UPMC for Life · PPO34 of 67 counties · drug deductible $700Part B giveback $100/mo · Dental up to $2,500/yr · eyewear $250/yr | $0−$100 Part B giveback | $8,000 | $6,800 | 4.5★ |
| 27 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO15 of 67 counties · drug deductible $700Part B giveback $26/mo · Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$26 Part B giveback | $7,150 | $6,838 | 4.5★ |
| 28 | UPMC for Life Essential Rx (PPO)UPMC for Life · PPO4 of 67 counties · drug deductible $700Part B giveback $95/mo · Dental up to $1,000/yr · eyewear $150/yr | $0−$95 Part B giveback | $8,000 | $6,860 | 4.5★ |
| 29 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO7 of 67 counties · drug deductible $700Part B giveback $4/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0−$4 Part B giveback | $6,950 | $6,902 | 4.5★ |
| 30 | Humana Essentials Plus Giveback (PPO)Humana · PPO39 of 67 counties · drug deductible $700Part B giveback $110/mo · Dental · eyewear $200/yr | $0−$110 Part B giveback | $8,250 | $6,930 | 4★ |
| 31 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO5 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $200/yr · OTC items $140/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 32 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO2 of 67 counties · drug deductible $700Dental up to $1,250/yr · eyewear $200/yr · OTC items $100/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 33 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO6 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $100/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 34 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO9 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $160/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 35 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO6 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 36 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO2 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0 | $6,950 | $6,950 | 4.5★ |
| 37 | UPMC for Life HMO Premier Rx (HMO)UPMC for Life · HMO18 of 67 counties · drug deductible $700Dental up to $2,100/yr · eyewear $100/yr | $0 | $7,000 | $7,000 | 4.5★ |
| 38 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO1 of 67 counties · drug deductible $700Part B giveback $5/mo · Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0−$5 Part B giveback | $7,150 | $7,090 | 4.5★ |
| 39 | Capital Blue Cross Essential (HMO)Capital Blue Cross · HMO4 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0 | $7,100 | $7,100 | 4★ |
| 40 | Capital Blue Cross Essential (HMO)Capital Blue Cross · HMO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0 | $7,100 | $7,100 | 4★ |
| 41 | Capital Blue Cross Essential (HMO)Capital Blue Cross · HMO4 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0 | $7,100 | $7,100 | 4★ |
| 42 | DEVOTED CHOICE 007 PA (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Dental up to $2,500/yr · eyewear $200/yr · OTC items $300/yr | $0 | $7,100 | $7,100 | 3★ |
| 43 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO4 of 67 counties · drug deductible $700Part B giveback $4/mo · Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0−$4 Part B giveback | $7,150 | $7,102 | 4.5★ |
| 44 | DEVOTED GIVEBACK EXTRAS 035 PA (HMO)Devoted Health · HMO14 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,250/yr · eyewear $400/yr · OTC items $708/yr | $0−$70 Part B giveback | $7,950 | $7,110 | 3.5★ |
| 45 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO4 of 67 counties · drug deductible $700Part B giveback $1/mo · Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0−$1 Part B giveback | $7,150 | $7,138 | 4.5★ |
| 46 | AARP Medicare Advantage Extras from UHC PA-18 (HMO-POS)UnitedHealthcare · HMO-POS5 of 67 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 47 | AARP Medicare Advantage from UHC PA-0002 (HMO-POS)UnitedHealthcare · HMO-POS62 of 67 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 48 | AARP Medicare Advantage from UHC PA-0010 (PPO)UnitedHealthcare · PPO5 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 49 | AARP Medicare Advantage from UHC PA-0011 (PPO)UnitedHealthcare · PPO37 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 50 | AARP Medicare Advantage from UHC PA-0015 (PPO)UnitedHealthcare · PPO20 of 67 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 51 | Aetna Medicare PinnacleHealth Prime (HMO-POS)Aetna Medicare · HMO-POS5 of 67 counties · drug deductible $400Dental up to $1,250/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $160/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 52 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO38 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 53 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO6 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 54 | Community Blue Medicare HMO Signature (HMO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · HMO3 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 55 | Community Blue Medicare Plus PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO1 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 56 | Community Blue Medicare Plus PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO2 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 57 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO10 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 58 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO4 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 59 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO4 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 60 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO1 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 61 | Community Blue Medicare PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO1 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 62 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 63 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO6 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 64 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO9 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 65 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO6 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $140/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 66 | Geisinger Gold Classic Essential Rx (HMO)Geisinger Gold · HMO44 of 67 counties · drug deductible $700 | $0 | $7,150 | $7,150 | 4★ |
| 67 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 67 counties · drug deductible $500Dental up to $5,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 68 | Keystone 65 Focus Rx (HMO-POS)Independence Blue Cross · HMO-POS2 of 67 counties · drug deductible $700Preventive dental · eyewear $250/yr · OTC items $300/yr | $0 | $7,150 | $7,150 | 4★ |
| 69 | UPMC for Life HMO Premier Rx (HMO)UPMC for Life · HMO4 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 70 | UPMC for Life PPO Premier Rx (PPO)UPMC for Life · PPO13 of 67 counties · drug deductible $700Dental up to $1,375/yr · eyewear $150/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 71 | Complete Blue Plus PPO Merit (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO3 of 67 counties · drug deductible $700Part B giveback $111/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr | $0−$111 Part B giveback | $8,500 | $7,168 | 4.5★ |
| 72 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $300Part B giveback $165/mo · Dental up to $250/yr · eyewear $100/yr | $0−$165 Part B giveback | $9,250 | $7,270 | 3★ |
| 73 | Complete Blue PPO Merit (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO11 of 67 counties · drug deductible $700Part B giveback $82/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr | $0−$82 Part B giveback | $8,300 | $7,316 | 4.5★ |
| 74 | Complete Blue PPO Merit (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO10 of 67 counties · drug deductible $700Part B giveback $77/mo · Dental up to $1,500/yr · eyewear $225/yr · hearing aids $500/yr | $0−$77 Part B giveback | $8,300 | $7,376 | 4.5★ |
| 75 | Complete Blue PPO Merit (PPO)Highmark Blue Cross Blue Shield or Highmark Blue Shield · PPO15 of 67 counties · drug deductible $700Part B giveback $75/mo · Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr | $0−$75 Part B giveback | $8,300 | $7,400 | 4.5★ |
| 76 | Aetna Medicare Advantra Prime Plus (HMO-POS)Aetna Medicare · HMO-POS1 of 67 counties · drug deductible $400Dental up to $750/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $100/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 77 | Aetna Medicare Advantra Signature (HMO-POS)Aetna Medicare · HMO-POS19 of 67 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,500 | $7,500 | 3.5★ |
| 78 | DEVOTED CORE 023 PA (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $200/yr · OTC items $136/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 79 | Jefferson Health Plans Complete (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $0Dental up to $2,000/yr · eyewear $250/yr · OTC items $200/yr | $0 | $7,500 | $7,500 | 3★ |
| 80 | DEVOTED GIVEBACK EXTRAS 036 PA (HMO)Devoted Health · HMO5 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $250/yr · OTC items $720/yr | $0−$70 Part B giveback | $8,400 | $7,560 | 3.5★ |
| 81 | DEVOTED CHOICE GIVEBACK 003 PA (PPO)Devoted Health · PPO8 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $364/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 3★ |
| 82 | DEVOTED GIVEBACK 011 PA (HMO)Devoted Health · HMO13 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $328/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 3.5★ |
| 83 | DEVOTED GIVEBACK 015 PA (HMO)Devoted Health · HMO14 of 67 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $348/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 3.5★ |
| 84 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 67 counties · drug deductible $500Dental up to $1,100/yr · eyewear $150/yr · OTC items $80/yr | $0 | $7,700 | $7,700 | 3★ |
| 85 | Humana Value Choice (PPO)Humana · PPO5 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $7,750 | $7,750 | 4★ |
| 86 | HealthSpring Preferred (HMO)HealthSpring · HMO8 of 67 counties · drug deductible $500Dental up to $5,000/yr · eyewear $225/yr · OTC items $140/yr | $0 | $7,900 | $7,900 | 3★ |
| 87 | Humana Value Choice (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $8,000 | $8,000 | 4★ |
| 88 | Jefferson Health Plans Flex (PPO)Jefferson Health Plans · PPO20 of 67 counties · drug deductible $0Dental up to $3,000/yr · eyewear $100/yr | $0 | $8,000 | $8,000 | 3★ |
| 89 | DEVOTED CHOICE GIVEBACK 008 PA (PPO)Devoted Health · PPO22 of 67 counties · drug deductible $461Part B giveback $149.70/mo · Dental up to $250/yr · eyewear $200/yr | $0−$149.70 Part B giveback | $9,850 | $8,054 | 3★ |
| 90 | DEVOTED CHOICE GIVEBACK 011 PA (PPO)Devoted Health · PPO27 of 67 counties · drug deductible $461Part B giveback $148.10/mo · Dental up to $250/yr · eyewear $200/yr | $0−$148.10 Part B giveback | $9,850 | $8,073 | 3★ |
| 91 | Humana Total Complete (HMO)Humana · HMO5 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $8,200 | $8,200 | 4★ |
| 92 | Humana Gold Plus H6622-036 (HMO)Humana · HMO14 of 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $250/yr | $0 | $8,250 | $8,250 | 4★ |
| 93 | Humana Gold Plus H6622-054 (HMO)Humana · HMO16 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr | $0 | $8,260 | $8,260 | 4★ |
| 94 | Jefferson Health Plans Giveback (HMO)Jefferson Health Plans · HMO20 of 67 counties · drug deductible $450Part B giveback $132/mo · Dental up to $2,000/yr · eyewear $200/yr | $0−$132 Part B giveback | $9,850 | $8,266 | 3★ |
| 95 | Humana Gold Plus H6622-035 (HMO)Humana · HMO10 of 67 counties · drug deductible $700Dental up to $2,000/yr · eyewear $375/yr | $0 | $8,300 | $8,300 | 4★ |
| 96 | AARP Medicare Advantage Giveback from UHC PA-12 (PPO)UnitedHealthcare · PPOAll 67 counties · drug deductible $685Part B giveback $55/mo · Preventive dental · hearing aids $700/yr | $0−$55 Part B giveback | $9,200 | $8,540 | 4★ |
| 97 | Capital Blue Cross Value (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Part B giveback $25/mo · Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0−$25 Part B giveback | $9,000 | $8,700 | 4★ |
| 98 | HealthSpring Preferred PA (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $400Dental up to $5,000/yr · eyewear $100/yr | $0 | $8,700 | $8,700 | 3★ |
| 99 | Capital Blue Cross Value (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Part B giveback $24/mo · Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0−$24 Part B giveback | $9,000 | $8,712 | 4★ |
| 100 | Capital Blue Cross Value (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Part B giveback $22.50/mo · Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0−$22.50 Part B giveback | $9,000 | $8,730 | 4★ |
| 101 | Capital Blue Cross Select (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $120/yr | $0 | $8,800 | $8,800 | 4★ |
| 102 | Aetna Medicare Advantra Signature (PPO)Aetna Medicare · PPO37 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,250 | $9,250 | 4.5★ |
| 103 | Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO62 of 67 counties · drug deductible $700Part B giveback $42/mo · Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0−$42 Part B giveback | $9,850 | $9,346 | 4.5★ |
| 104 | Capital Blue Cross Value (PPO)Capital Blue Cross · PPO3 of 67 counties · drug deductible $700Part B giveback $18.50/mo · Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0−$18.50 Part B giveback | $9,800 | $9,578 | 4★ |
| 105 | Capital Blue Cross Value (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Part B giveback $13/mo · Dental up to $2,000/yr · eyewear $125/yr · OTC items $120/yr | $0−$13 Part B giveback | $9,800 | $9,644 | 4★ |
| 106 | Aetna Medicare Advantra Signature (HMO-POS)Aetna Medicare · HMO-POS5 of 67 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 107 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO5 of 67 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 4.5★ |
| 108 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS5 of 67 counties · drug deductible $400Dental up to $750/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 109 | Capital Blue Cross Select (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | 4★ |
| 110 | Capital Blue Cross Select (PPO)Capital Blue Cross · PPO5 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | 4★ |
| 111 | Capital Blue Cross Select (PPO)Capital Blue Cross · PPO4 of 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $125/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | 4★ |
| 112 | Clover Health Choice (PPO)Clover Health · PPO3 of 67 counties · drug deductible $0Dental up to $1,500/yr · eyewear $250/yr · OTC items $340/yr | $0 | $9,850 | $9,850 | 5★ |
| 113 | Geisinger Gold Classic 360 Rx (HMO)Geisinger Gold · HMO19 of 67 counties · drug deductible $700Dental up to $750/yr · eyewear $200/yr · OTC items $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 114 | Geisinger Gold Preferred Complete Rx (PPO)Geisinger Gold · PPO44 of 67 counties · drug deductible $700 | $0 | $9,850 | $9,850 | 4★ |
| 115 | Humana Gold Choice H8145-052 (PFFS)Humana · PFFS23 of 67 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 116 | Keystone 65 Assured Rx (HMO)Independence Blue Cross · HMO5 of 67 counties · drug deductible $700Preventive dental · eyewear $250/yr · OTC items $120/yr | $0 | $9,850 | $9,850 | 4★ |
| 117 | Personal Choice 65 Achieve Rx (PPO)Independence Blue Cross · PPO5 of 67 counties · drug deductible $700Preventive dental | $0 | $9,850 | $9,850 | 4★ |
| 118 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS57 of 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
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 Pennsylvania Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Pennsylvania for 2027?
118 of the 245 general-audience Medicare Advantage plans with drug coverage in Pennsylvania 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 Pennsylvania's $0 plans, the lowest in-network maximum is $4,500 and the median is $7,150.
Which $0 premium plan in Pennsylvania has the lowest worst-case cost?
Perennial Advantage Freedom (HMO) from Perennial Advantage, with an in-network out-of-pocket maximum of $4,500. It is sold in 12 of 67 counties.
Do any $0 premium plans in Pennsylvania also have a Part B giveback?
Yes, 38 of them. See the Pennsylvania 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 Pennsylvania Medicare Advantage plans, ranked →
- Part B giveback plans in Pennsylvania →
- Where $0 plans are disappearing in 2027 →
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