$0 Premium Medicare Advantage Plans in West Virginia
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in West 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.
Showing all 22 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | The Health Plan SecureChoice Optimum (PPO)The Health Plan · PPOAll 55 counties · drug deductible $425Dental up to $1,000/yr · eyewear $150/yr · OTC items $200/yr | $0 | $7,000 | $7,000 | 3★ |
| 2 | AARP Medicare Advantage from UHC WV-0003 (PPO)UnitedHealthcare · PPOAll 55 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 3★ |
| 3 | AARP Medicare Advantage from UHC WV-5 (HMO-POS)UnitedHealthcare · HMO-POS17 of 55 counties · drug deductible $685Dental up to $1,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 4 | Aetna Medicare Advantra Signature (HMO)Aetna Medicare · HMO22 of 55 counties · drug deductible $400Dental up to $1,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $140/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 5 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO7 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 6 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO20 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 7 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO3 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 8 | Peak Advantage Vista (PPO)Peak Health · PPO44 of 55 counties · drug deductible $0Dental up to $3,000/yr · OTC items $220/yr | $0 | $7,500 | $7,500 | 5★ |
| 9 | Peak Advantage Vista (PPO)Peak Health · PPO5 of 55 counties · drug deductible $0Dental up to $3,000/yr · OTC items $220/yr | $0 | $7,500 | $7,500 | 5★ |
| 10 | Peak Advantage Vista (PPO)Peak Health · PPO5 of 55 counties · drug deductible $0Dental up to $3,500/yr · OTC items $220/yr | $0 | $7,500 | $7,500 | 5★ |
| 11 | Humana Gold Plus H5619-113 (HMO-POS)Humana · HMO-POS41 of 55 counties · drug deductible $350Dental up to $3,000/yr · eyewear $100/yr | $0 | $8,100 | $8,100 | 4★ |
| 12 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 55 counties · drug deductible $700Part B giveback $115/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$115 Part B giveback | $9,850 | $8,470 | 4.5★ |
| 13 | HumanaChoice Giveback H5216-328 (PPO)Humana · PPO21 of 55 counties · drug deductible $700Part B giveback $115/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$115 Part B giveback | $9,850 | $8,470 | 4★ |
| 14 | AARP Medicare Advantage from UHC WV-6 (HMO-POS)UnitedHealthcare · HMO-POS38 of 55 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $8,500 | $8,500 | 4★ |
| 15 | Aetna Medicare Advantra Classic Giveback (PPO)Aetna Medicare · PPO30 of 55 counties · drug deductible $400Part B giveback $33/mo · Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0−$33 Part B giveback | $9,250 | $8,854 | 4★ |
| 16 | Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO30 of 55 counties · drug deductible $400Part B giveback $33/mo · Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0−$33 Part B giveback | $9,250 | $8,854 | 4★ |
| 17 | Aetna Medicare Advantra Elite (HMO)Aetna Medicare · HMO13 of 55 counties · drug deductible $400Dental up to $1,750/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $200/yr | $0 | $9,250 | $9,250 | 3.5★ |
| 18 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO13 of 55 counties · drug deductible $400Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $160/yr | $0 | $9,250 | $9,250 | 3.5★ |
| 19 | Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POS43 of 55 counties · drug deductible $325Dental up to $1,000/yr | $0 | $9,250 | $9,250 | Too new to rate |
| 20 | Aetna Medicare Advantra Signature Classic (PPO)Aetna Medicare · PPO18 of 55 counties · drug deductible $400Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 21 | Humana Gold Choice H8145-052 (PFFS)Humana · PFFS28 of 55 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 22 | Humana Value Choice (PPO)Humana · PPO45 of 55 counties · drug deductible $500Dental up to $750/yr · eyewear $100/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 West Virginia Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in West Virginia for 2027?
22 of the 43 general-audience Medicare Advantage plans with drug coverage in West 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 West Virginia's $0 plans, the lowest in-network maximum is $7,000 and the median is $8,300.
Which $0 premium plan in West Virginia has the lowest worst-case cost?
The Health Plan SecureChoice Optimum (PPO) from The Health Plan, with an in-network out-of-pocket maximum of $7,000. It is sold in 55 of 55 counties.
Do any $0 premium plans in West Virginia also have a Part B giveback?
Yes, 4 of them. See the West 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 West Virginia Medicare Advantage plans, ranked →
- Part B giveback plans in West Virginia →
- Where $0 plans are disappearing in 2027 →
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