$0 Premium Medicare Advantage Plans in Washington
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Washington 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 35 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H1036-321 (HMO)Humana · HMO4 of 39 counties · drug deductible $700Dental up to $4,000/yr · eyewear $400/yr | $0 | $5,900 | $5,900 | 4.5★ |
| 2 | Humana Gold Plus H5619-057 (HMO)Humana · HMO3 of 39 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr | $0 | $5,900 | $5,900 | 4★ |
| 3 | Humana Gold Plus H5619-174 (HMO)Humana · HMO2 of 39 counties · drug deductible $300Dental up to $2,000/yr · eyewear $250/yr | $0 | $5,900 | $5,900 | 4★ |
| 4 | Humana Gold Plus H1036-322 (HMO)Humana · HMO2 of 39 counties · drug deductible $300Dental up to $3,500/yr · eyewear $250/yr | $0 | $5,990 | $5,990 | 4.5★ |
| 5 | Humana Gold Plus H5619-143 (HMO)Humana · HMO1 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr | $0 | $6,000 | $6,000 | 4★ |
| 6 | Humana Value Choice (PPO)Humana · PPO8 of 39 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $6,050 | $6,050 | 4★ |
| 7 | Humana Total Complete (HMO)Humana · HMO15 of 39 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,310 | $6,310 | 4★ |
| 8 | DEVOTED CORE 001 WA (HMO)Devoted Health · HMO4 of 39 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $168/yr | $0 | $6,550 | $6,550 | Too new to rate |
| 9 | DEVOTED CORE 006 WA (HMO)Devoted Health · HMO6 of 39 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $212/yr | $0 | $6,550 | $6,550 | Too new to rate |
| 10 | MultiCare Health Plan Evergreen Essential (HMO)MultiCare Health Plan Medicare Advantage Evergreen Plans · HMO3 of 39 counties · drug deductible $500Part B giveback $50/mo · Dental up to $200/yr · eyewear $150/yr | $0−$50 Part B giveback | $7,150 | $6,550 | Too new to rate |
| 11 | Kaiser Permanente Medicare Advantage Centennial (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0Dental | $0 | $6,600 | $6,600 | 4.5★ |
| 12 | AARP Medicare Advantage from UHC WA-7 (HMO-POS)UnitedHealthcare · HMO-POS5 of 39 counties · drug deductible $685Dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 13 | DEVOTED CORE 011 WA (HMO)Devoted Health · HMO2 of 39 counties · drug deductible $650Dental up to $1,250/yr · eyewear $200/yr · OTC items $108/yr | $0 | $6,750 | $6,750 | Too new to rate |
| 14 | Kaiser Permanente Medicare Advantage Key King (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 15 | Kaiser Permanente Medicare Advantage Key Pierce (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 16 | Kaiser Permanente Medicare Advantage Key Snohomish (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 17 | Kaiser Permanente Medicare Advantage Key Thurston (HMO)Kaiser Permanente · HMO1 of 39 counties · drug deductible $0eyewear $100/yr | $0 | $6,750 | $6,750 | 4.5★ |
| 18 | Kaiser Permanente Senior Advantage Value (HMO-POS)Kaiser Permanente · HMO-POS3 of 39 counties · drug deductible $0 | $0 | $6,750 | $6,750 | 4.5★ |
| 19 | AARP Medicare Advantage from UHC WA-19 (PPO)UnitedHealthcare · PPO1 of 39 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 4.5★ |
| 20 | AARP Medicare Advantage from UHC WA-6 (HMO-POS)UnitedHealthcare · HMO-POS9 of 39 counties · drug deductible $685Dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 21 | AARP Medicare Advantage from UHC WA-8 (HMO-POS)UnitedHealthcare · HMO-POS1 of 39 counties · drug deductible $685Preventive dental | $0 | $7,150 | $7,150 | 3.5★ |
| 22 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO5 of 39 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 23 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO1 of 39 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 3.5★ |
| 24 | HealthSpring Preferred (HMO)HealthSpring · HMO1 of 39 counties · drug deductible $500Dental up to $1,200/yr · eyewear $225/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 25 | MultiCare Health Plan Evergreen Enhanced (HMO)MultiCare Health Plan Medicare Advantage Evergreen Plans · HMO3 of 39 counties · drug deductible $300Dental up to $650/yr · eyewear $300/yr · hearing aids $600/yr per ear · OTC items $180/yr | $0 | $7,150 | $7,150 | Too new to rate |
| 26 | DEVOTED GIVEBACK EXTRAS 020 WA (HMO)Devoted Health · HMO6 of 39 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $308/yr | $0−$70 Part B giveback | $8,100 | $7,260 | Too new to rate |
| 27 | DEVOTED GIVEBACK EXTRAS 021 WA (HMO)Devoted Health · HMO2 of 39 counties · drug deductible $700Part B giveback $70/mo · Dental up to $1,500/yr · eyewear $250/yr · OTC items $308/yr | $0−$70 Part B giveback | $8,200 | $7,360 | Too new to rate |
| 28 | DEVOTED GIVEBACK EXTRAS 022 WA (HMO)Devoted Health · HMO4 of 39 counties · drug deductible $700Part B giveback $75/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $564/yr | $0−$75 Part B giveback | $8,300 | $7,400 | Too new to rate |
| 29 | DEVOTED CHOICE 001 WA (PPO)Devoted Health · PPO8 of 39 counties · drug deductible $461Dental up to $2,000/yr · eyewear $400/yr · OTC items $300/yr | $0 | $7,500 | $7,500 | Not rated |
| 30 | DEVOTED CHOICE GIVEBACK 002 WA (PPO)Devoted Health · PPO8 of 39 counties · drug deductible $461Part B giveback $143/mo · Dental up to $250/yr · eyewear $200/yr | $0−$143 Part B giveback | $9,850 | $8,134 | Not rated |
| 31 | DEVOTED GIVEBACK 007 WA (HMO)Devoted Health · HMO6 of 39 counties · drug deductible $650Part B giveback $141/mo · Dental up to $250/yr · eyewear $200/yr | $0−$141 Part B giveback | $9,850 | $8,158 | Too new to rate |
| 32 | DEVOTED GIVEBACK 012 WA (HMO)Devoted Health · HMO2 of 39 counties · drug deductible $650Part B giveback $141/mo · Dental up to $250/yr · eyewear $200/yr | $0−$141 Part B giveback | $9,850 | $8,158 | Too new to rate |
| 33 | Humana Essentials Plus Giveback (HMO)Humana · HMO3 of 39 counties · drug deductible $700Part B giveback $71/mo · Dental · eyewear $250/yr | $0−$71 Part B giveback | $9,050 | $8,198 | 4.5★ |
| 34 | DEVOTED GIVEBACK 002 WA (HMO)Devoted Health · HMO4 of 39 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $9,850 | $8,434 | Too new to rate |
| 35 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 39 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $8,900 | $8,900 | 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
No $0-premium plan with drug coverage in: Adams, Asotin, Clallam, Columbia, Ferry, Garfield, Grays Harbor, Kittitas, Klickitat, Lincoln, Pacific, Pend Oreille, San Juan, Whitman, Yakima.
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 Washington Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Washington for 2027?
35 of the 62 general-audience Medicare Advantage plans with drug coverage in Washington have a $0 monthly plan premium for 2027. 15 counties have Advantage plans but none at $0.
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 Washington's $0 plans, the lowest in-network maximum is $5,900 and the median is $7,150.
Which $0 premium plan in Washington has the lowest worst-case cost?
Humana Gold Plus H1036-321 (HMO) from Humana, with an in-network out-of-pocket maximum of $5,900. It is sold in 4 of 39 counties.
Do any $0 premium plans in Washington also have a Part B giveback?
Yes, 9 of them. See the Washington 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 Washington Medicare Advantage plans, ranked →
- Part B giveback plans in Washington →
- Where $0 plans are disappearing in 2027 →
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