Can I get a Medicare Advantage plan with low or $0 monthly premiums?
Yes, but it varies by location. Many Medicare Advantage plans have affordable or $0 monthly plan premiums.2 Some plans may even include additional benefits like routine dental or vision coverage.
★ 99.6% of people with Medicare in 2025 had access to a Medicare Advantage plan as an alternative to Original Medicare.3
What are $0/mo premium plans?
$0 premium Medicare Advantage plans are plans that do not charge a monthly plan premium.
Insurance companies, such as Humana, set the premiums for each individual Medicare Advantage plan. Some of these plans have $0 monthly premiums, whereas other plans have premiums that can be higher. Humana offers $0 monthly premium plans in some areas because the federal government pays a flat fee to provide your Medicare benefits and the plans are created in a way to keep healthcare affordable.
If you enroll in a $0 monthly premium plan, you would still be responsible for paying other Medicare costs, such as the Medicare Part B premium and your plan’s out-of-pocket costs. The primary difference with a $0 monthly premium plan is that you would not have to pay a monthly premium to your Medicare Advantage insurance company.
How do I compare Medicare Advantage plans?
The exact benefits of each $0 monthly premium Medicare Advantage plan will vary.
Humana Medicare Advantage plans provide your Medicare Part A and Part B coverage, and may include additional benefits such as prescription drug coverage, routine dental coverage, or routine vision coverage.
It is important to choose a plan that is right for your coverage needs and budget.
For example, if you need prescription drug coverage and want to keep your current doctor, it is important to choose a plan that offers prescription drug coverage and whose provider network includes your doctor.
You should review each plan’s outline of coverage and costs before enrolling.
How do I find a $0/mo premium Medicare Advantage plan?
Plan options may vary widely based on ZIP codes. Our licensed sales agents can help you see if a $0 monthly premium is available in your ZIP code.
You can get started right now by calling a licensed sales agent at 1-800-472-2986, (TTY: 711)