$0 Premium Medicare Advantage Plans in Puerto Rico
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Puerto Rico 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 30 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | MMM Deluxe (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $157/mo · Preventive dental | $0−$157 Part B giveback | $3,250 | $1,366 | 4.5★ |
| 2 | MCS Classicare Hero (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $131/mo · Dental up to $3,400/yr · eyewear $425/yr · hearing aids $1,000/yr per ear | $0−$131 Part B giveback | $3,400 | $1,828 | 5★ |
| 3 | MMM Valioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $115/mo · Dental up to $500/yr · eyewear $250/yr · hearing aids $167/yr | $0−$115 Part B giveback | $3,250 | $1,870 | 4.5★ |
| 4 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS12 of 78 counties · drug deductible $0Part B giveback $73/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$73 Part B giveback | $3,250 | $2,374 | 4.5★ |
| 5 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS56 of 78 counties · drug deductible $0Part B giveback $68/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$68 Part B giveback | $3,250 | $2,434 | 4.5★ |
| 6 | MCS Classicare Estrella (HMO)MCS Classicare · HMO37 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $2,700/yr · OTC items $300/yr | $0−$70 Part B giveback | $3,400 | $2,560 | 5★ |
| 7 | MCS Classicare Excede (HMO)MCS Classicare · HMO17 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $1,500/yr · OTC items $1,440/yr | $0−$70 Part B giveback | $3,400 | $2,560 | 5★ |
| 8 | MMM Estela (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS10 of 78 counties · drug deductible $0Part B giveback $53/mo · Dental up to $2,000/yr · eyewear $600/yr · hearing aids $417/yr | $0−$53 Part B giveback | $3,250 | $2,614 | 4.5★ |
| 9 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS50 of 78 counties · drug deductible $0Part B giveback $52/mo · Dental up to $1,500/yr · eyewear $500/yr · hearing aids $417/yr | $0−$52 Part B giveback | $3,250 | $2,626 | 4.5★ |
| 10 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS13 of 78 counties · drug deductible $0Part B giveback $52/mo · Dental up to $1,500/yr · eyewear $500/yr · hearing aids $417/yr | $0−$52 Part B giveback | $3,250 | $2,626 | 4.5★ |
| 11 | MMM Balance (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POS15 of 78 counties · drug deductible $0Part B giveback $52/mo · Dental up to $1,500/yr · eyewear $500/yr · hearing aids $417/yr | $0−$52 Part B giveback | $3,250 | $2,626 | 4.5★ |
| 12 | MCS Classicare Excede (HMO)MCS Classicare · HMO17 of 78 counties · drug deductible $0Part B giveback $60/mo · Dental up to $1,500/yr · OTC items $840/yr | $0−$60 Part B giveback | $3,400 | $2,680 | 5★ |
| 13 | MCS Classicare Excede (HMO)MCS Classicare · HMO11 of 78 counties · drug deductible $0Part B giveback $60/mo · Dental up to $1,500/yr · OTC items $468/yr | $0−$60 Part B giveback | $3,400 | $2,680 | 5★ |
| 14 | MMM Plenitud (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $45/mo · Dental up to $2,000/yr · eyewear $500/yr · hearing aids $417/yr | $0−$45 Part B giveback | $3,250 | $2,710 | 4.5★ |
| 15 | MCS Classicare Efectivo (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $55/mo · Dental up to $2,750/yr · OTC items $120/yr | $0−$55 Part B giveback | $3,400 | $2,740 | 5★ |
| 16 | MCS Classicare InteliCare (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $40/mo · Dental up to $2,500/yr · OTC items $1,080/yr | $0−$40 Part B giveback | $3,400 | $2,920 | 5★ |
| 17 | MCS Classicare En Tu Hogar (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $25/mo · Dental up to $3,000/yr · OTC items $420/yr | $0−$25 Part B giveback | $3,400 | $3,100 | 5★ |
| 18 | MMM Grandioso (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $8/mo · Dental up to $1,000/yr · eyewear $1,000/yr | $0−$8 Part B giveback | $3,250 | $3,154 | 4.5★ |
| 19 | MCS Classicare RxMax (HMO)MCS Classicare · HMOAll 78 counties · drug deductible $0Part B giveback $20/mo · Dental up to $2,500/yr · eyewear $500/yr · hearing aids $800/yr per ear · OTC items $768/yr | $0−$20 Part B giveback | $3,400 | $3,160 | 5★ |
| 20 | MMM Mega Flex (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $5/mo · Dental up to $1,500/yr · eyewear $600/yr | $0−$5 Part B giveback | $3,250 | $3,190 | 4.5★ |
| 21 | PMC Max (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Part B giveback $3/mo · Dental up to $1,500/yr · eyewear $450/yr · hearing aids $333/yr | $0−$3 Part B giveback | $3,250 | $3,214 | 4.5★ |
| 22 | Enlace Plus (HMO)Triple S Advantage · HMOAll 78 counties · drug deductible $0Part B giveback $80/mo · Dental up to $1,600/yr · eyewear $400/yr · OTC items $1,200/yr | $0−$80 Part B giveback | $4,200 | $3,240 | 5★ |
| 23 | MMM Elite (HMO-POS)Medicare y Mucho Mas (MMM) · HMO-POSAll 78 counties · drug deductible $0Dental up to $2,500/yr · eyewear $500/yr · hearing aids $667/yr | $0 | $3,250 | $3,250 | 4.5★ |
| 24 | MCS Classicare Firme (HMO)MCS Classicare · HMO39 of 78 counties · drug deductible $0Part B giveback $10/mo · Dental up to $3,000/yr · OTC items $1,560/yr | $0−$10 Part B giveback | $3,400 | $3,280 | 5★ |
| 25 | Ahorro Plus (HMO)Triple S Advantage · HMO46 of 78 counties · drug deductible $0Part B giveback $70/mo · Dental up to $2,600/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$70 Part B giveback | $4,200 | $3,360 | 5★ |
| 26 | MCS Classicare Essential (HMO-POS)MCS Classicare · HMO-POSAll 78 counties · drug deductible $0Dental up to $3,500/yr · eyewear $950/yr · hearing aids $750/yr per ear · OTC items $600/yr | $0 | $3,400 | $3,400 | 5★ |
| 27 | Ahorro Plus (HMO)Triple S Advantage · HMO23 of 78 counties · drug deductible $0Part B giveback $50/mo · Dental up to $2,000/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$50 Part B giveback | $4,200 | $3,600 | 5★ |
| 28 | Ahorro Plus (HMO)Triple S Advantage · HMO9 of 78 counties · drug deductible $0Part B giveback $50/mo · Dental up to $2,000/yr · eyewear $350/yr · hearing aids $167/yr · OTC items $100/yr | $0−$50 Part B giveback | $4,200 | $3,600 | 5★ |
| 29 | Brillante (HMO-POS)Triple S Advantage · HMO-POSAll 78 counties · drug deductible $0Part B giveback $40/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $667/yr · OTC items $120/yr | $0−$40 Part B giveback | $4,200 | $3,720 | 5★ |
| 30 | Óptimo Plus (PPO)Triple-S Advantage · PPOAll 78 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $67/yr | $0 | $7,151 | $7,151 | 4.5★ |
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 Puerto Rico Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Puerto Rico for 2027?
30 of the 30 general-audience Medicare Advantage plans with drug coverage in Puerto Rico 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 Puerto Rico's $0 plans, the lowest in-network maximum is $3,250 and the median is $3,400.
Which $0 premium plan in Puerto Rico has the lowest worst-case cost?
MMM Deluxe (HMO-POS) from Medicare y Mucho Mas (MMM), with an in-network out-of-pocket maximum of $3,250 and a Part B giveback of $157 a month. It is sold in 78 of 78 counties.
Do any $0 premium plans in Puerto Rico also have a Part B giveback?
Yes, 27 of them. See the Puerto Rico 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 Puerto Rico Medicare Advantage plans, ranked →
- Part B giveback plans in Puerto Rico →
- Where $0 plans are disappearing in 2027 →
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