$0-premium Medicare Advantage plans, 2027
2,255 Medicare Advantage plans open to everyone charge no premium anywhere they are sold for 2027 (2,361 in 2026), according to the CMS landscape files. Their median out-of-pocket limit is $6,500, against $6,700 for plans with a premium.
How many plans charge no premium?
| Plans open to everyone | 2026 | 2027 | Change |
|---|---|---|---|
| Plans with a $0 premium | 2,361 | 2,255 | ▼down 106 |
- Median limit, $0 plans
- $6,500
- Median limit, plans with a premium
- $6,700
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Do $0 plans set higher out-of-pocket limits?
No: the median limit is $6,500 for $0 plans and $6,700 for plans with a premium. Each range shows the share of each group, so the two can be compared although there are 2,254 $0 plans and 954 plans with a premium that file a limit.
Share of each group by in-network out-of-pocket limit, 2027
| Out-of-pocket limit | $0 plans | Plans with a premium |
|---|---|---|
| $0 to under $2,000 | 115 | 8 |
| $2,000 to under $4,000 | 340 | 91 |
| $4,000 to under $6,000 | 543 | 284 |
| $6,000 to under $8,000 | 820 | 383 |
| $8,000 to $10,000 | 436 | 188 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
10 plans open to everyone are $0 in some counties and charge a premium in others, so they count in neither group: H0439-003, H1951-047, H1951-048, H5216-043, H5216-078, H5216-457, H5959-023, H7220-009, H8604-014, H8889-019. Of the 3,234 plans open to everyone, the other 16 are left out: 1 $0 plan files no out-of-pocket limit, 14 plans with a premium file no limit and 1 plan has no premium on file.
How many $0 plans does each state have?
| State | $0 plans | Plans open to all | Share |
|---|---|---|---|
| Alabama | 41 | 58 | 71% |
| Arizona | 79 | 89 | 89% |
| Arkansas | 43 | 52 | 83% |
| California | 174 | 257 | 68% |
| Colorado | 52 | 61 | 85% |
| Connecticut | 15 | 26 | 58% |
| Delaware | 15 | 24 | 62% |
| District of Columbia | 5 | 11 | 45% |
| Florida | 279 | 297 | 94% |
| Georgia | 76 | 95 | 80% |
| Hawaii | 17 | 34 | 50% |
| Idaho | 11 | 33 | 33% |
| Illinois | 81 | 109 | 74% |
| Indiana | 64 | 87 | 74% |
| Iowa | 25 | 49 | 51% |
| Kansas | 47 | 58 | 81% |
| Kentucky | 50 | 71 | 70% |
| Louisiana | 45 | 60 | 75% |
| Maine | 14 | 31 | 45% |
| Maryland | 13 | 27 | 48% |
| Massachusetts | 24 | 58 | 41% |
| Michigan | 54 | 79 | 68% |
| Minnesota | 12 | 49 | 24% |
| Mississippi | 37 | 48 | 77% |
| Missouri | 89 | 111 | 80% |
| Montana | 7 | 18 | 39% |
| Nebraska | 22 | 34 | 65% |
| Nevada | 49 | 58 | 84% |
| New Hampshire | 9 | 15 | 60% |
| New Jersey | 31 | 54 | 57% |
| New Mexico | 32 | 39 | 82% |
| New York | 57 | 137 | 42% |
| North Carolina | 85 | 106 | 80% |
| North Dakota | 5 | 18 | 28% |
| Ohio | 76 | 119 | 64% |
| Oklahoma | 36 | 50 | 72% |
| Oregon | 38 | 61 | 62% |
| Pennsylvania | 101 | 187 | 54% |
| Puerto Rico | 24 | 24 | 100% |
| Rhode Island | 7 | 13 | 54% |
| South Carolina | 47 | 62 | 76% |
| South Dakota | 5 | 18 | 28% |
| Tennessee | 68 | 96 | 71% |
| Texas | 170 | 214 | 79% |
| Utah | 24 | 33 | 73% |
| Vermont | 3 | 5 | 60% |
| Virginia | 78 | 106 | 74% |
| Washington | 43 | 71 | 61% |
| West Virginia | 26 | 42 | 62% |
| Wisconsin | 42 | 89 | 47% |
| Wyoming | 4 | 8 | 50% |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
What else should you check?
- Part B giveback plansPlans that pay part of the Part B premium
- 2027 costs and limitsPremiums and limits nationally