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What You Need to Know About Zero-Premium Medicare Advantage Plans


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You may have heard about zero-premium Medicare Advantage plans. A type of Medicare health plan – Medicare Advantage plans – can indeed have premiums as low as $0. There are usually other costs to consider, such as deductible amounts. We’ll take a look at the cost sharing that zero-premium Medicare Advantage plans may charge you.

Medicare and zero premium amounts

Here’s a quick but important bit of background.

  • Original Medicare is the federal health insurance program for those who qualify. It includes Medicare Part A (hospital insurance) and Part B (medical insurance). Most people pay a monthly premium for Part B. But you might get Part A at a $0 premium.

If you have worked at least 10 years while paying Medicare taxes, you generally don’t pay a premium for Part A.

  • Medicare Advantage is an alternative way to get your Part A and Part B benefits. When you have a Medicare Advantage plan, a private insurance company contracts with Medicare to deliver your Part A and Part B benefits. Many of these plans offer additional benefits as well, like prescription drug coverage and routine vision services.

While some Medicare Advantage plans may charge a monthly premium, you might be able to find a zero-premium Medicare Advantage plan in your area. Just enter your ZIP code in the box on this page and click Browse Plans to get started.

Zero-premium Medicare Advantage plans may have other costs

Like many health insurance plans, Medicare Advantage plans often require cost sharing. All of these costs may vary among plans. Here are some cost-sharing examples:

  • Annual deductible: the amount of money you have to pay for certain medical services before the plan pays its share. Deductibles may vary among plans.
  • Coinsurance: the percentage of a covered cost for a medical service that you pay, while your plan typically pays the rest. For example, some plans might require a 20% coinsurance for some medical services.
  • Copayment: the cost for a medical service that you pay, while your plan typically pays the rest. For example, some plans might require a $15 copayment for some doctor visits.

As you can see, a $0-premium Medicare Advantage plan may sound appealing, but you may want to look at other costs of the plan you’re considering. Learn about the different types of Medicare Advantage plans.

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