$0 Premium Medicare Advantage Plans in Rhode Island
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Rhode Island 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 4 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage from UHC RI-0002 (HMO-POS)UnitedHealthcare · HMO-POSAll 5 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,300 | $6,300 | 4★ |
| 2 | BlueCHiP for Medicare Essential (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $500Preventive dental up to $500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 3 | Aetna Medicare Prime Care (HMO-POS)Aetna Medicare · HMO-POS2 of 5 counties · drug deductible $400Dental up to $1,000/yr · eyewear $125/yr · OTC items $300/yr | $0 | $6,900 | $6,900 | 3★ |
| 4 | Aetna Medicare Signature (PPO)Aetna Medicare · PPOAll 5 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 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 Rhode Island Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Rhode Island for 2027?
4 of the 10 general-audience Medicare Advantage plans with drug coverage in Rhode Island 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 Rhode Island's $0 plans, the lowest in-network maximum is $6,300 and the median is $6,825.
Which $0 premium plan in Rhode Island has the lowest worst-case cost?
AARP Medicare Advantage from UHC RI-0002 (HMO-POS) from UnitedHealthcare, with an in-network out-of-pocket maximum of $6,300. It is sold in 5 of 5 counties.
Do any $0 premium plans in Rhode Island also have a Part B giveback?
None of the $0 plans with drug coverage in Rhode Island files a Part B giveback for 2027.
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
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