$0 Premium Medicare Advantage Plans in Utah
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Utah 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 18 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO4 of 27 counties · drug deductible $300Dental up to $1,750/yr · eyewear $200/yr | $0 | $4,700 | $4,700 | 4★ |
| 2 | Humana Essentials Plus Giveback (PPO)Humana · PPO23 of 27 counties · drug deductible $700Part B giveback $80/mo · Dental up to $1,250/yr · eyewear $150/yr | $0−$80 Part B giveback | $5,750 | $4,790 | 4★ |
| 3 | AARP Medicare Advantage Essentials from UHC UT-4 (HMO-POS)UnitedHealthcare · HMO-POS23 of 27 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,900 | $4,900 | 4★ |
| 4 | Humana Value Choice (PPO)Humana · PPO7 of 27 counties · drug deductible $700Dental up to $4,000/yr · eyewear $150/yr | $0 | $5,000 | $5,000 | 4★ |
| 5 | Humana Value Choice (PPO)Humana · PPO4 of 27 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $0 | $5,000 | $5,000 | 4.5★ |
| 6 | Select Health Medicare Essential (HMO)Select Health · HMO6 of 27 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $80/yr | $0 | $5,500 | $5,500 | 4★ |
| 7 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO5 of 27 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $6,350 | $6,350 | 3.5★ |
| 8 | DEVOTED CHOICE 001 UT (PPO)Devoted Health · PPO11 of 27 counties · drug deductible $650Dental up to $3,500/yr · eyewear $300/yr · OTC items $136/yr | $0 | $6,350 | $6,350 | Too new to rate |
| 9 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO3 of 27 counties · drug deductible $700Part B giveback $2/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0−$2 Part B giveback | $6,500 | $6,476 | 4★ |
| 10 | AARP Medicare Advantage Giveback from UHC UT-9 (PPO)UnitedHealthcare · PPO16 of 27 counties · drug deductible $215Part B giveback $48/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$48 Part B giveback | $7,150 | $6,574 | 4.5★ |
| 11 | AARP Medicare Advantage Extras UT-7 (HMO-POS)UnitedHealthcare · HMO-POS23 of 27 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 12 | AARP Medicare Advantage from UHC UT-0005 (HMO-POS)UnitedHealthcare · HMO-POS9 of 27 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4★ |
| 13 | Humana Value Choice (PPO)Humana · PPO2 of 27 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 4★ |
| 14 | Select Health Medicare Essential (HMO)Select Health · HMO2 of 27 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · OTC items $80/yr | $0 | $6,750 | $6,750 | 4★ |
| 15 | DEVOTED CHOICE GIVEBACK EXTRAS 014 UT (PPO)Devoted Health · PPO11 of 27 counties · drug deductible $700Part B giveback $85/mo · Dental up to $3,750/yr · eyewear $350/yr · OTC items $284/yr | $0−$85 Part B giveback | $8,000 | $6,980 | Too new to rate |
| 16 | AARP Medicare Advantage from UHC UT-0008 (PPO)UnitedHealthcare · PPO16 of 27 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 17 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO3 of 27 counties · drug deductible $700Preventive dental · eyewear $125/yr · hearing aids $1,000/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 18 | DEVOTED CHOICE GIVEBACK 002 UT (PPO)Devoted Health · PPO11 of 27 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $372/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | 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 Utah Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Utah for 2027?
18 of the 27 general-audience Medicare Advantage plans with drug coverage in Utah 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 Utah's $0 plans, the lowest in-network maximum is $4,700 and the median is $6,600.
Which $0 premium plan in Utah has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana, with an in-network out-of-pocket maximum of $4,700. It is sold in 4 of 27 counties.
Do any $0 premium plans in Utah also have a Part B giveback?
Yes, 5 of them. See the Utah 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 Utah Medicare Advantage plans, ranked →
- Part B giveback plans in Utah →
- Where $0 plans are disappearing in 2027 →
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