Benefits Council Insights · CMS 2027 plan data
$0 Premium Medicare Advantage Plans: How Common Are They in Your State in 2027?
In 2027, 1398 of the 2351 Medicare Advantage plans open to everyone in our 24 states charge a $0 monthly plan premium.
Share of plans with a $0 monthly plan premium, by state
The catch most ads leave out
A $0 plan premium is not the same as $0 coverage. You still pay your Part B premium, and each plan has its own copays, drug costs and network. A low premium can still cost more over a year if your medicines or doctors aren't covered well, which is why we compare total yearly cost, not just the premium.
Counts exclude Special Needs Plans, which only people with certain conditions or Medicaid can join.
You must continue to pay your Medicare Part B premium.
Methodology
Benefits Council analysis of the CMS 2027 Medicare Advantage and Part D Landscape file (CY2027_Landscape_202610.csv), covering the 24 states where our agents are licensed. Plans are counted once per county where CMS lists them; sanctioned plans are excluded. Plan availability can change; confirm details with the plan before you enroll. Reporters and bloggers are welcome to cite these figures with a link to this page.
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Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.