$0 Premium Medicare Advantage Plans in Wisconsin
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Wisconsin 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 28 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Total Complete (HMO)Humana · HMO29 of 72 counties · drug deductible $500Dental up to $3,000/yr · eyewear $400/yr | $0 | $4,200 | $4,200 | 4★ |
| 2 | Humana Value Choice (PPO)Humana · PPO23 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | Too new to rate |
| 3 | Humana Value Choice (PPO)Humana · PPO23 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $4,450 | $4,450 | 4★ |
| 4 | Network Health Select (PPO)Network Health Medicare Advantage Plans · PPO21 of 72 counties · drug deductible $330Dental up to $400/yr · hearing aids $75/yr | $0 | $4,450 | $4,450 | 4★ |
| 5 | Network Health Anywhere (PPO)Network Health Medicare Advantage Plans · PPO6 of 72 counties · drug deductible $320Dental up to $1,500/yr · hearing aids $75/yr | $0 | $4,500 | $4,500 | 4★ |
| 6 | Humana Essentials Plus Giveback (PPO)Humana · PPO24 of 72 counties · drug deductible $700Part B giveback $39/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$39 Part B giveback | $5,250 | $4,782 | 4.5★ |
| 7 | HumanaChoice Giveback H5216-252 (PPO)Humana · PPO24 of 72 counties · drug deductible $700Part B giveback $38/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$38 Part B giveback | $5,250 | $4,794 | 4★ |
| 8 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS6 of 72 counties · drug deductible $450Preventive dental · eyewear $75/yr · hearing aids $2,000/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 9 | Network Health Go (PPO)Network Health Medicare Advantage Plans · PPO5 of 72 counties · drug deductible $340Dental up to $750/yr · hearing aids $75/yr | $0 | $5,000 | $5,000 | 4★ |
| 10 | Network Health Choice (PPO)Network Health Medicare Advantage Plans · PPO21 of 72 counties · drug deductible $300Dental up to $1,000/yr · hearing aids $75/yr | $0 | $5,100 | $5,100 | 4★ |
| 11 | AARP Medicare Advantage Essentials from UHC WI-13 (HMO-POS)UnitedHealthcare · HMO-POS5 of 72 counties · drug deductible $685Dental up to $500/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $5,400 | $5,400 | 4★ |
| 12 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO15 of 72 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 13 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO7 of 72 counties · drug deductible $500Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,500 | $5,500 | 4★ |
| 14 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS20 of 72 counties · drug deductible $700Dental up to $1,000/yr · eyewear $200/yr · hearing aids $350/yr per ear | $0 | $5,800 | $5,800 | 3★ |
| 15 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS7 of 72 counties · drug deductible $400Dental up to $2,500/yr · eyewear $275/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 3.5★ |
| 16 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO17 of 72 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,900 | $5,900 | 4★ |
| 17 | Humana Full Access (PPO)Humana · PPO28 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $0 | $6,100 | $6,100 | 4.5★ |
| 18 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO7 of 72 counties · drug deductible $400Dental up to $2,000/yr · eyewear $200/yr · hearing aids $750/yr per ear · OTC items $100/yr | $0 | $6,350 | $6,350 | 4★ |
| 19 | Humana Full Access (PPO)Humana · PPO28 of 72 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $6,400 | $6,400 | 4★ |
| 20 | Cooperative Medicare Advantage (HMO)Group Health Cooperative of Eau Claire · HMO50 of 72 counties · drug deductible $275Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr · OTC items $160/yr | $0 | $6,700 | $6,700 | Not rated |
| 21 | HealthPartners Birch (PPO)HealthPartners · PPO12 of 72 counties · drug deductible $700Dental · eyewear $150/yr | $0 | $6,750 | $6,750 | Too new to rate |
| 22 | AARP Medicare Advantage Extras from UHC WI-19 (HMO-POS)UnitedHealthcare · HMO-POS5 of 72 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 23 | AARP Medicare Advantage from UHC WI-0014 (HMO-POS)UnitedHealthcare · HMO-POS16 of 72 counties · drug deductible $685Preventive dental · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 24 | AARP Medicare Advantage from UHC WI-0015 (HMO-POS)UnitedHealthcare · HMO-POS4 of 72 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4★ |
| 25 | Dean Advantage Essential (HMO)Dean Advantage · HMO9 of 72 counties · drug deductible $700Dental up to $500/yr · eyewear $125/yr · hearing aids $750/yr · OTC items $80/yr | $0 | $7,150 | $7,150 | 4★ |
| 26 | Gundersen Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO5 of 72 counties · drug deductible $270Preventive dental | $0 | $7,150 | $7,150 | 4★ |
| 27 | UW Health Quartz Med Advantage Basic D (w/Rx) (HMO)Quartz Medicare Advantage (HMO) · HMO3 of 72 counties · drug deductible $270Preventive dental · hearing aids $400/yr | $0 | $7,150 | $7,150 | 4★ |
| 28 | HealthPartners Cedar (PPO)HealthPartners · PPO12 of 72 counties · drug deductible $700Part B giveback $50/mo | $0−$50 Part B giveback | $9,850 | $9,250 | 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 Wisconsin Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Wisconsin for 2027?
28 of the 59 general-audience Medicare Advantage plans with drug coverage in Wisconsin 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 Wisconsin's $0 plans, the lowest in-network maximum is $4,200 and the median is $5,850.
Which $0 premium plan in Wisconsin has the lowest worst-case cost?
Humana Total Complete (HMO) from Humana, with an in-network out-of-pocket maximum of $4,200. It is sold in 29 of 72 counties.
Do any $0 premium plans in Wisconsin also have a Part B giveback?
Yes, 3 of them. See the Wisconsin 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 Wisconsin Medicare Advantage plans, ranked →
- Part B giveback plans in Wisconsin →
- Where $0 plans are disappearing in 2027 →
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