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$0 Premium Medicare Advantage Plans
Some Medicare Advantage plans have a $0 monthly premium in certain counties -- but you'll still pay your Part B premium and any copays or coinsurance when you use care.
Is this right for you?
- You want to minimize your monthly premium as much as possible
- You're comparing $0 premium plans against ones with a monthly cost but potentially better coverage
- You want to understand what $0 premium actually does and doesn't include
Your options
No monthly premium beyond Part B, network-based, usually requires referrals for specialists.
No monthly premium beyond Part B, more flexibility to see out-of-network providers.
A small monthly premium sometimes buys meaningfully better coverage -- worth comparing directly.
Common questions
Is a $0 premium Medicare Advantage plan actually free?
No -- you still pay your separate Part B premium, and you'll have copays or coinsurance when you use care. '$0 premium' refers only to the plan's own monthly cost.
Are $0 premium plans lower quality than plans with a premium?
Not necessarily -- but it's worth comparing the actual benefit details, not just the premium, since copays and network rules can vary significantly.
Is a $0 premium plan available where I live?
Availability varies significantly by county -- an agent can confirm what's actually available in your specific area.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.