What's the Best $0 Medicare Advantage Plan in 2026?

Kaiser Permanente is the best option for $0 Medicare Advantage plans because it has excellent customer service and plan quality. About 1 in 4 Medicare Advantage plans from Kaiser Permanente has no monthly rate, so you'll usually have several $0 options to choose from.

Kaiser Permanente is also a good option if you take prescription medications. Kaiser's $0 Medicare Advantage plans tend to have low deductibles for medications, averaging just $3. That means you only have to pay the first $3 each year for all your prescriptions, as long as they're covered. After that, your plan starts to pay some of the cost. Once you've paid $2,100 total toward your medications, your plan pays for them in full.

Your drug deductible varies depending on where you live and what plan you choose. Kaiser's $0 plans in Washington state have the highest average drug deductible at $20, and plans in Oregon have an average drug deductible of $16, which is still very low. In other states, like California and Georgia, Kaiser Permanente's $0 Medicare Advantage plans have no drug deductible. That means your plan covers your medications right away.

But Kaiser Permanente isn't an option for everyone. It only sells plans in eight states and Washington, D.C. And because Kaiser Permanente also owns medical offices, most of its plans require you to use Kaiser doctors and hospitals. If you want the freedom to see whatever doctor you want, Humana is a better option.

Kaiser’s Medicare Advantage plans, including its $0 plans, are only available in eight states and Washington, D.C.

More than 60% of AARP/UnitedHealthcare's Medicare Advantage plans have no monthly rate, and they come with impressive perks. For example, many plans come with $0 virtual doctor visits, money to spend on things like vitamins and cold medicine, and dental, hearing and vision coverage.

But AARP/UnitedHealthcare doesn't always have the best customer service. In many states, including Georgia, Illinois, North Carolina and Texas, its plans are ranked highly for customer satisfaction. But in others, including California, Florida, Michigan, New York, Ohio and Pennsylvania, UnitedHealthcare ranked below average for customer service. Before you buy a plan, it might be helpful to talk to current members in your area to see if they like the company.

AARP/UnitedHealthcare sells $0 Medicare Advantage plans in 45 states.

If you want a Medicare Advantage plan that lets you see any doctor, Humana is a great option. Almost half of Humana's $0 plans are PPOs, which give you the flexibility to see any doctor and still have some coverage.

PPO plans also let you see specialists without a referral. This can make it easier and faster to get medical care, especially if you need to see specialists often. Humana sells more than 150 $0 PPO plans, the most of any major Medicare Advantage company.

Because they give you more flexibility with where to get medical care, PPO plans are usually more expensive than other types of plans. That makes Humana's $0 PPO plans a great value.

But a Humana plan can require you to pay a lot of your medical bills yourself. On average, Humana's $0 Medicare Advantage plans have a $6,888 out-of-pocket maximum. That's the most you'll pay toward your medical bills in a year before your plan starts paying your costs in full.

And Humana generally doesn't have the best customer service. The company's Medicare Advantage plans were listed as having below-average satisfaction in nine of the 10 states surveyed by J.D. Power. Before you buy a Humana plan, it could be worthwhile to look into the company's service in your area.

Humana sells $0 Medicare Advantage plans in 45 states and Washington, D.C. You can get a $0 PPO plan in each of these states except Maryland.