One of the first things people may want to know when shopping for health insurance coverage the cost of the plan. But what if there were affordable Medicare Advantage plans that offered $0 premiums?1
There are over 3,550 Medicare Advantage plans for sale in the U.S. in 2021, and many of those have $0 premiums.2 Here we’ll take a detailed look at these plans and help you make the most informed decision regarding your Medicare coverage.
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Medicare Advantage plans with $0 premiums may still include some other cost requirements, similar to those that can be found with plans that do have premium costs. These costs may include:
Nearly 9 out every 10 Medicare Advantage plans include prescription drug coverage. These plans are called Medicare Advantage Prescription Drug plans (MA-PDs). In 2021, 96 percent of Medicare Advantage beneficiaries have access to an MA-PD that features $0 monthly premiums.1
By law, Medicare Advantage plans must provide the same basic coverage as Part A and Part B of Medicare (though you still receive coverage for hospice care through Medicare Part A).
Some Medicare Advantage plans may then offer additional benefits that are unique to each plan. Some popular additional benefits include coverage for prescription drugs, vision, hearing and dental treatment.
Like any Medicare Advantage plan, a $0 premium plan may offer different benefits than other available plans.
Read additional medicare costs guides to learn more about Medicare costs and how they will affect you.
Every state except Alaska has Medicare Advantage plans for sale in 2021. Not every area within each state will necessarily have a $0 premium plan for sale, as costs and availability vary all across the U.S.
If you’re interested in comparing Medicare Advantage plans where you live, contact a licensed insurance agent to review available plans and to learn more about what each plan may have to offer.
Find $0 premium Medicare Advantage plans in your areaCompare Plans
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1 You must continue to pay your Medicare Part B premium. $0 premium plans may not be available in all areas.
2 Fuglesten Biniek J., et al. (Oct. 29, 2020) Medicare Advantage 2021 Spotlight: First Look. Kaiser Family Foundation. www.kff.org/medicare/issue-brief/medicare-advantage-2021-spotlight-first-look.
Christian Worstell is a licensed insurance agent and a Senior Staff Writer for MedicareAdvantage.com. He is passionate about helping people navigate the complexities of Medicare and understand their coverage options.
His work has been featured in outlets such as Vox, MSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.
Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.
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