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 Virginia
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Virginia 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.
66$0-premium plans, of 94 with drug coverage
$3,975lowest in-network out-of-pocket max among them
15also pay part of your Part B premium
Showing all 66 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS21 of 133 counties · drug deductible $55Dental up to $2,600/yr · eyewear $350/yr · hearing aids $2,000/yr · OTC items $288/yr | $0 | $3,975 | $3,975 | 3★ |
| 2 | AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,200 | $4,200 | 4★ |
| 3 | Aetna Medicare Signature Plus (HMO-POS)Aetna Medicare · HMO-POS9 of 133 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · hearing aids $1,500/yr per ear · OTC items $240/yr | $0 | $4,200 | $4,200 | 3.5★ |
| 4 | Aetna Medicare Carilion Health Prime (HMO-POS)Aetna Medicare · HMO-POS12 of 133 counties · drug deductible $400Dental up to $2,000/yr · eyewear $300/yr · hearing aids $1,500/yr per ear · OTC items $240/yr | $0 | $4,300 | $4,300 | 3.5★ |
| 5 | Humana Gold Plus H5619-095 (HMO)Humana · HMO13 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | AARP Medicare Advantage Extras from UHC TC-7 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,900 | $4,900 | 4★ |
| 7 | Humana Gold Plus H6622-004 (HMO)Humana · HMO25 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $100/yr | $0 | $4,900 | $4,900 | 4★ |
| 8 | Humana Total Complete (HMO)Humana · HMO25 of 133 counties · drug deductible $450Dental up to $3,000/yr · eyewear $350/yr | $0 | $4,900 | $4,900 | 4.5★ |
| 9 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO11 of 133 counties · drug deductible $400Part B giveback $140/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$140 Part B giveback | $6,750 | $5,070 | 3★ |
| 10 | AARP Medicare Advantage Direct Plus from UHC VA-26 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $595Dental up to $5,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0 | $5,400 | $5,400 | 4★ |
| 11 | AARP Medicare Advantage Essentials from UHC VA-8 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $685Dental up to $2,500/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,400 | $5,400 | 4★ |
| 12 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS50 of 133 counties · drug deductible $395Dental up to $2,000/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $140/yr | $0 | $5,850 | $5,850 | 3★ |
| 13 | DEVOTED CORE 008 VA (HMO)Devoted Health · HMO23 of 133 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $248/yr | $0 | $5,850 | $5,850 | Too new to rate |
| 14 | AARP Medicare Advantage Direct Plus from UHC VA-25 (HMO-POS)UnitedHealthcare · HMO-POS31 of 133 counties · drug deductible $595Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 4★ |
| 15 | AARP Medicare Advantage Essentials from UHC VA-11 (HMO-POS)UnitedHealthcare · HMO-POS43 of 133 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 4★ |
| 16 | Anthem Medicare Advantage 3 (HMO-POS)Anthem HealthKeepers · HMO-POS43 of 133 counties · drug deductible $395Dental up to $1,750/yr · eyewear $125/yr · hearing aids $2,000/yr · OTC items $100/yr | $0 | $5,900 | $5,900 | 3★ |
| 17 | DEVOTED CORE 001 VA (HMO)Devoted Health · HMO15 of 133 counties · drug deductible $650Dental up to $3,000/yr · eyewear $300/yr · OTC items $200/yr | $0 | $5,900 | $5,900 | Too new to rate |
| 18 | DEVOTED CORE 011 VA (HMO)Devoted Health · HMO16 of 133 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $200/yr | $0 | $5,900 | $5,900 | Too new to rate |
| 19 | HumanaChoice H5216-271 (PPO)Humana · PPO13 of 133 counties · drug deductible $700Dental up to $2,000/yr · eyewear $250/yr | $0 | $5,900 | $5,900 | 4★ |
| 20 | AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS)UnitedHealthcare · HMO-POS14 of 133 counties · drug deductible $685Part B giveback $103/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$103 Part B giveback | $7,150 | $5,914 | 4★ |
| 21 | DEVOTED GIVEBACK EXTRAS 029 VA (HMO)Devoted Health · HMO15 of 133 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,500/yr · eyewear $350/yr · OTC items $732/yr | $0−$70 Part B giveback | $6,800 | $5,960 | Too new to rate |
| 22 | DEVOTED GIVEBACK EXTRAS 031 VA (HMO)Devoted Health · HMO23 of 133 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $348/yr | $0−$70 Part B giveback | $6,800 | $5,960 | Too new to rate |
| 23 | DEVOTED GIVEBACK EXTRAS 032 VA (HMO)Devoted Health · HMO16 of 133 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $728/yr | $0−$70 Part B giveback | $6,800 | $5,960 | Too new to rate |
| 24 | DEVOTED GIVEBACK 002 VA (HMO)Devoted Health · HMO15 of 133 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 | $8,200 | $5,984 | Too new to rate |
| 25 | DEVOTED GIVEBACK 009 VA (HMO)Devoted Health · HMO23 of 133 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $352/yr | $0−$184.70 Part B giveback | $8,250 | $6,034 | Too new to rate |
| 26 | DEVOTED GIVEBACK 012 VA (HMO)Devoted Health · HMO16 of 133 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 | $8,250 | $6,034 | Too new to rate |
| 27 | HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS11 of 133 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · OTC items $60/yr | $0 | $6,500 | $6,500 | 3★ |
| 28 | Anthem Medicare Advantage 4 (HMO-POS)Anthem HealthKeepers · HMO-POS22 of 133 counties · drug deductible $250Dental up to $2,000/yr · eyewear $200/yr · hearing aids $2,000/yr · OTC items $140/yr | $0 | $6,825 | $6,825 | 3★ |
| 29 | AARP Medicare Advantage Direct OTC from UHC VA-28 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 30 | AARP Medicare Advantage Direct Plus from UHC VA-24 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $595Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 31 | AARP Medicare Advantage Extras from UHC VA-29 (HMO-POS)UnitedHealthcare · HMO-POS31 of 133 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 32 | AARP Medicare Advantage Extras from UHC VA-30 (HMO-POS)UnitedHealthcare · HMO-POS12 of 133 counties · drug deductible $685Dental up to $5,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,900 | $6,900 | 4★ |
| 33 | AARP Medicare Advantage from UHC VA-0004 (PPO)UnitedHealthcare · PPO12 of 133 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 34 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO3 of 133 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 35 | Aetna Medicare Signature Plus (HMO-POS)Aetna Medicare · HMO-POS22 of 133 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 36 | Humana Value Choice (PPO)Humana · PPO74 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $400/yr | $0 | $7,150 | $7,150 | 4★ |
| 37 | Humana Value Choice (PPO)Humana · PPO91 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $400/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 38 | UHC Medicare Advantage TC-0001 (PPO)UnitedHealthcare · PPO14 of 133 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 39 | AARP Medicare Advantage from UHC VA-0007 (PPO)UnitedHealthcare · PPO29 of 133 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,500 | $7,500 | 4.5★ |
| 40 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO24 of 133 counties · drug deductible $700Dental up to $1,500/yr · eyewear $300/yr · hearing aids $1,000/yr per ear · OTC items $260/yr | $0 | $7,500 | $7,500 | 4★ |
| 41 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS62 of 133 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr · hearing aids $1,000/yr per ear · OTC items $240/yr | $0 | $7,500 | $7,500 | 3.5★ |
| 42 | AARP Medicare Advantage from UHC VA-0005 (PPO)UnitedHealthcare · PPO12 of 133 counties · drug deductible $685Part B giveback $13/mo · Preventive dental · hearing aids $700/yr | $0−$13 Part B giveback | $7,900 | $7,744 | 4.5★ |
| 43 | Kaiser Permanente Medicare Advantage Value 1 VA (HMO-POS)Kaiser Permanente · HMO-POS5 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $7,900 | $7,900 | 4.5★ |
| 44 | Humana Direct Choice Giveback (PPO)Humana · PPO18 of 133 counties · drug deductible $700Part B giveback $126/mo · Dental · eyewear $150/yr | $0−$126 Part B giveback | $9,850 | $8,338 | 4★ |
| 45 | Humana Essentials Plus Giveback (PPO)Humana · PPO87 of 133 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4★ |
| 46 | Humana Essentials Plus Giveback (PPO)Humana · PPO110 of 133 counties · drug deductible $700Part B giveback $119/mo · Dental up to $500/yr · eyewear $100/yr | $0−$119 Part B giveback | $9,850 | $8,422 | 4.5★ |
| 47 | Humana Gold Plus Giveback H1036-334 (HMO)Humana · HMO19 of 133 counties · drug deductible $700Part B giveback $113/mo · Dental · eyewear $100/yr | $0−$113 Part B giveback | $9,850 | $8,494 | 4.5★ |
| 48 | Humana Gold Plus Giveback H6622-090 (HMO)Humana · HMO19 of 133 counties · drug deductible $700Part B giveback $113/mo · Dental · eyewear $100/yr | $0−$113 Part B giveback | $9,850 | $8,494 | 4★ |
| 49 | Anthem Medicare Advantage (HMO-POS)Anthem HealthKeepers · HMO-POS15 of 133 counties · drug deductible $250Preventive dental · eyewear $125/yr · hearing aids $3,000/yr | $0 | $8,650 | $8,650 | 3★ |
| 50 | Kaiser Permanente Medicare Advantage Value 2 VA (HMO-POS)Kaiser Permanente · HMO-POS7 of 133 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $333/yr per ear · OTC items $100/yr | $0 | $8,700 | $8,700 | 4.5★ |
| 51 | AARP Medicare Advantage Essentials from UHC VA-6 (PPO)UnitedHealthcare · PPO55 of 133 counties · drug deductible $685Preventive dental · eyewear $100/yr | $0 | $8,900 | $8,900 | 4.5★ |
| 52 | AARP Medicare Advantage Giveback from UHC VA-13 (HMO-POS)UnitedHealthcare · HMO-POS55 of 133 counties · drug deductible $685Part B giveback $77/mo · Dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$77 Part B giveback | $9,850 | $8,926 | 4★ |
| 53 | Humana Gold Plus H5377-002 (HMO-POS)Humana · HMO-POS20 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $200/yr | $0 | $9,250 | $9,250 | 4★ |
| 54 | Johns Hopkins Advantage MD Select (HMO)Johns Hopkins Advantage MD · HMO8 of 133 counties · drug deductible $250Dental up to $1,500/yr · eyewear $200/yr · OTC items $100/yr | $0 | $9,250 | $9,250 | Not rated |
| 55 | AARP Medicare Advantage Extras from UHC VA-18 (PPO)UnitedHealthcare · PPO55 of 133 counties · drug deductible $685Dental up to $1,500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $9,300 | $9,300 | 4★ |
| 56 | Aetna Medicare Elite Extra (HMO)Aetna Medicare · HMO16 of 133 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 57 | Aetna Medicare Prime Elite (HMO)Aetna Medicare · HMO10 of 133 counties · drug deductible $700Preventive dental · eyewear $125/yr · hearing aids $750/yr per ear | $0 | $9,850 | $9,850 | 3.5★ |
| 58 | Anthem Medicare Advantage 2 (HMO-POS)Anthem HealthKeepers · HMO-POS47 of 133 counties · drug deductible $300Preventive dental · hearing aids $2,000/yr | $0 | $9,850 | $9,850 | 3★ |
| 59 | Humana Gold Plus H5619-047 (HMO)Humana · HMO15 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 60 | Humana Gold Plus H5619-135 (HMO)Humana · HMO12 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 61 | Humana Gold Plus H5619-157 (HMO)Humana · HMO37 of 133 counties · drug deductible $450Dental up to $1,500/yr · eyewear $200/yr | $0 | $9,850 | $9,850 | 4★ |
| 62 | Humana Gold Plus H6622-085 (HMO)Humana · HMO110 of 133 counties · drug deductible $400Dental up to $1,500/yr · eyewear $550/yr | $0 | $9,850 | $9,850 | 4★ |
| 63 | Humana Total Complete (HMO)Humana · HMO84 of 133 counties · drug deductible $450Dental up to $1,750/yr · eyewear $250/yr | $0 | $9,850 | $9,850 | 4★ |
| 64 | Humana Total Complete (HMO)Humana · HMO91 of 133 counties · drug deductible $700Dental up to $2,500/yr · eyewear $300/yr | $0 | $9,850 | $9,850 | 4★ |
| 65 | HumanaChoice H5216-363 (PPO)Humana · PPO118 of 133 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 66 | HumanaChoice H5216-408 (PPO)Humana · PPO112 of 133 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr | $0 | $9,850 | $9,850 | 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 Virginia Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Virginia for 2027?
66 of the 94 general-audience Medicare Advantage plans with drug coverage in Virginia 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 Virginia's $0 plans, the lowest in-network maximum is $3,975 and the median is $7,150.
Which $0 premium plan in Virginia has the lowest worst-case cost?
Anthem Medicare Advantage 3 (HMO-POS) from Anthem HealthKeepers, with an in-network out-of-pocket maximum of $3,975. It is sold in 21 of 133 counties.
Do any $0 premium plans in Virginia also have a Part B giveback?
Yes, 15 of them. See the Virginia 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 Virginia Medicare Advantage plans, ranked →
- Part B giveback plans in Virginia →
- Where $0 plans are disappearing in 2027 →
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