Are Medicare Advantage plans really "free," or is that just clever marketing?

Question

Barbara Barnes, CMIP® · Accepted Answer

You've heard that "there's no such thing as a free lunch." Well, the same is true of Medicare Advantage plans.

While it's true that there are Medicare Advantage plans that cost $0 in premium, they are not 'free' for a variety of reasons:

1.  In order to qualify for a Medicare Advantage plan, you must have both Medicare Part A and Medicare Part B.  There is a premium for Part B that must be paid every month.

2. You accept the terms and conditions of the Medicare Advantage plan that you choose, and that includes copayments and an out-of-pocket maximum for the services you receive.  The fees you pay could add-up to thousands of dollars each year.  While Medicare Advantage plans must be at least as good as Original Medicare, there will certainly be a cost to receiving medical care under Medicare Advantage.

3.  Your Medicare Advantage plan is being paid by Medicare.  Because they have taken-over responsibility for your medical needs, Medicare pays them a portion of what they expected to pay for your claims.  The Medicare Advantage plan then decides how to spend that money in benefits.  As the Medicare budget changes every year, so does the Medicare Advantage plan.  It is important to review the changes in your Medicare Advantage plan every year.

4.  You may end-up benefiting from Medicare Advantage by paying a little more for your medical claims, while receiving "extra" benefits like dental, vision, hearing, fitness, prescription drug and over-the-counter drug benefits at little to no cost.  But in a year where you have a lot of expensive medical treatment, you could pay a lot more out of your pocket.

Hudson Albert · Answer

No — “free” is marketing shorthand, not the full story. Some Medicare Advantage plans have a $0 monthly plan premium, but you still pay your Medicare Part B premium, and you can still have copays, coinsurance, deductibles, and network restrictions.
What “$0 premium” means
A $0 premium usually means you do not pay an extra monthly fee to the private insurer for the plan itself. It does not mean all your care is free.
Costs you may still pay
•	The Medicare Part B premium, which most people still owe.
•	Copays and coinsurance when you use services.
•	Deductibles on some plans.
•	Higher costs if you go out of network or need services the plan limits.
Why plans advertise it
Insurers can offer a $0 premium because Medicare pays them a set amount to manage your coverage. They may use that funding to reduce the monthly premium while collecting money through cost-sharing when you get care.
Practical takeaway
A Medicare Advantage plan can be a good value, but only if the total cost and network rules fit your needs. The smartest comparison is not “free vs. not free,” but “what will I likely pay over the year?”

Mike Sosso · Answer

Medicare Advantage plans may have little or no premium and therefore be considered free.  But what did you ever get for free in life that was really good?  Anything of great value, usually has a price.  So too when it comes to Medicare.

Most seniors don't realize that enrolling in a Medicare Advantage changes how their coverage works and Medicare is no longer their primary insurance provider. Instead, Medicare pays a private insurance company, the Medicare Advantage plan they choose, a monthly dollar amount for that plan to assume 100% responsibility your medical care.  The advantage plan gets paid when you sign up whether you see them for services or not and because the advantage plan is now 100% responsible for all costs of your care, when major medical services or testing is needed, preauthorization requirements can often delay or even deny coverage recommended by your doctor for cost reasons. In addition, Advantage plans limit you to networks for provider choices and have annual cost sharing requirements through copays and coinsurance that range from $2550 to $11,900 per year.  

Orginal Medicare however with a good Medicare Supplement allows you to see any doctor or provider that takes Medicare and can as an example limit your overall out of pocket expenses per year to as low as $257 in 2025 on Plan G . 

So while Medicare Advantage plans advertise low to no upfront cost or premium, and often even include benefits like limited dental, vision, hearing, and even gym memberships to encourage enrollment, but when major medical care is needed, Original Medicare with a good Medicare Supplement is often a better option.

Joseph Bachmeier · Answer

One of the questions is, "Are Medicare Advantage plans really free?" Technically, no, because the Part B premium that you pay once a month comes out of your Social Security, or if you pay quarterly, it goes right over to the Medicare Advantage plan. Basically, you're subsidizing your own plan. Years ago, Medicare Advantage plans all had monthly premiums, but right now there's such a big market for them, and they're all competing against each other. Most of these plans have zero premium a month, where you don't pay a monthly premium. If you're looking at a Medicare Advantage plan, that's one of the plans I would consider.

However, you do also have a lot of copays. If you see a specialist, it's usually on average about $30, depending on the plan. For inpatient hospital stays, you're looking at around $250 each day for days one through seven, and again, that varies per plan. Your outpatient procedures are usually $400, MRIs are $200 to $400, an ambulance ride is $250, and the emergency room is about $100. So, you are paying into the plan as you use it. If you remain healthy for the rest of your life, well, guess what? You will win because you will not incur all those out-of-pocket costs.

These are the differences I explain between original Medicare and a Medigap plan compared to having a Medicare Advantage plan. Hopefully, when I explain the differences, you can choose what's best for you. I hope that helps, and if you have any other questions, just reach out to me. Have a great day! Take care.

Brandon Brown · Answer

Medicare Advantage plans, frequently advertised as "no-cost" options, can mislead consumers in how they are portrayed. These plans may not impose a premium in addition to the mandatory payment for Medicare Part B, but they do not qualify as completely free. Consider these central points: A premium is still a part of the monthly costs for many Medicare Advantage enrollees; it just may not be called a premium.
1. Premiums and Cost Sharing
A number of Medicare Advantage plans require participants to pay premiums. While some of these plans have no premiums, even they require the beneficiaries to pay their Part B premium. Moreover, in any given plan, that is not the whole story financially. This section also examines what else the plans require beneficiaries to pay. Often, that comes down to cost-sharing. In plans that do have it, costs can take various forms including: copayments, coinsurance, and deductibles.
2. Network Limitations
Most Medicare Advantage plans run a network of doctors and hospitals. If you need care from outside that network, you could face steep bills—if you're covered at all. This possible outcome is a big reason to carefully read Medicare Advantage plan materials before enrolling.
3. Coverage Variability
Medicare Advantage plans can offer a range of different benefits. Some plans toss in fluffy stuff like dental and vision care, wellness programs, and the like. But don’t be fooled! Plans that do so may have you pay more or may simply be restricting access more than you realize. Read the fine print.
4. Marketing Strategies
"Free" is often a term used in marketing to draw in beneficiaries. As with any kind of bait, it should be examined with a critical eye. Just because there is no premium, one must remember to look at the total associated costs of the plan before jumping on the "free" bandwagon.
To sum up, although certain facets of Medicare Advantage plans may save money, they are not genuinely without cost.

Angel Feliciano · Answer

Medicare Advantage plans are often marketed as "free," but this can be misleading. Here's a breakdown to clarify:

1. **Monthly Premiums**: While some Medicare Advantage plans have low or even $0 monthly premiums, you may still be responsible for other costs, such as copayments, deductibles, and coinsurance.

2. **Medicare Part B Premium**: Even if the Advantage plan itself is free, you still need to pay your Medicare Part B premium, which is typically deducted from your Social Security benefits.

3. **Out-of-Pocket Costs**: Many plans have out-of-pocket expenses that can add up, especially if you require frequent medical care or services.

4. **Network Restrictions**: Many Advantage plans have specific networks of providers, and going out of network can result in higher costs or no coverage at all.

5. **Limitations on Coverage**: While these plans often include additional benefits (like dental or vision), they may not cover everything that traditional Medicare does, which can lead to unexpected costs.

So, while some aspects of Medicare Advantage plans can appear "free," it's essential to carefully review the details and understand all potential costs involved before enrolling. It’s always a good idea to compare plans and consider your healthcare needs.

Fred Manas · Answer

While many Medicare Advantage plans offer $0 monthly premiums, they are not truly "free." While you may not pay a monthly premium to the insurance company, you will still have out-of-pocket costs like deductibles, copayments, and coinsurance, and you will still need to pay your Medicare Part B premium. These plans are administered by private insurance companies that are reimbursed by Medicare for providing coverage. 
Here's a breakdown:
$0 Premium:
Many Medicare Advantage plans offer a $0 monthly premium, meaning you don't pay a premium to the insurance company administering the plan. 
Other Out-of-Pocket Costs:
You will still have costs associated with using medical services. These can include:
Deductibles: An amount you pay out-of-pocket before the plan starts covering costs. 
Copayments: Fixed amounts you pay for specific services like doctor's visits. 
Coinsurance: A percentage of the cost you pay for services after the deductible is met. 
Medicare Part B Premium:
You must still pay the monthly premium for Medicare Part B, which is separate from the Medicare Advantage plan. 
Out-of-Pocket Maximum:
Medicare Advantage plans have an out-of-pocket maximum that limits how much you'll pay in a year, but this can still be a significant amount (up to $9,350 in 2025). 
In essence, the term "free" is often used in marketing to highlight the $0 premium option, but it's misleading. Medicare Advantage plans are still a form of insurance, and you will have costs associated with using healthcare services.

Cheryl Lyons · Answer

It’s mostly marketing—“free” isn’t entirely accurate. Here’s the truth:

1. Zero premium ≠ zero cost

Many Medicare Advantage (MA) plans advertise $0 monthly premium, but you still pay:

Part B premium (your standard $174.70/month in 2026, unless you have a lower-income subsidy)

Copays/coinsurance for doctor visits, procedures, or hospital stays

Deductibles in some plans

2. Out-of-pocket costs

MA plans have annual out-of-pocket maximums (usually $7,500–$8,300 in 2026)

You could hit that if you need a lot of care, which means costs aren’t truly “free”

3. Network restrictions

“Free” plans often have narrow networks—you may have to travel farther or pay more for out-of-network care

4. Extra benefits don’t mean free

Dental, hearing, vision, OTC allowances, or fitness perks may be included, but they come with limits and rules

Overuse or going out-of-network can result in extra costs

Bottom line:
Medicare Advantage can have low or $0 monthly premiums, but there are almost always other costs. The “free” marketing mainly refers to the premium, not the total cost of care.

Kris Neupauer · Answer

Medicare Advantage plans often get marketed as "free," the reality is while they usually don’t have a monthly premium (or a very low one), that doesn’t mean they’re actually free. You still have to pay your Part B premium, which for 2025 is $174.70 per month (the standard Medicare fee). And there could be other costs involved, like co-pays, deductibles, and out-of-pocket maximums.

The reason they’re advertised as “free” is because they often offer extra benefits like dental, vision, and wellness programs that Original Medicare doesn’t cover. But all those perks come with some trade-offs. It’s really about understanding what you're getting, and sometimes the savings you think you're getting can be balanced out by the costs you might face when you need care.

Bottom line: you might save money up front, but it’s always important to dig into the details and see if the plan actually fits your needs and budget in the long run.

Gene Page · Answer

CMS, (The Center for Medicare and Medicaid Services) does not allow the use of the word "FREE". There may be plans that are low cost or NO COST to you (the consumer) yet the plans are definitely not free. Clients frequently ask how this is possible? Medicare Advantage Organizations (carriers with a CMS contract) are paid by the federal government for each member they have enrolled. Contract levels vary depending on the specific county location, average cost of services, and the quality of the service provided (star levels) by that carrier. It becomes the responsibility of the MA provider to manage those dollars. They must provide a level of service equal to, or better than, the coverage offered through original Medicare. Some plans may offer certain rebates (food cards, gym memberships, Part B premiums, etc.) to entice more enrollments. They may also provide additional services like Dental, Vision, or Hearing, that are not covered under original Medicare.

Answered by Gene Page on April 8, 2025

Broker Licensed in UT

Answered by Gene Page Medicare Insurance Agent

Clarence &quot;Mark&quot; Christiansen · Answer

Okay, the question is, are Medicare Advantage plans really free or is that just clever marketing? Well, no one ever said the Advantage plans are free. I don't think the agent has ever said that. We're not allowed to say that. Medicare Advantage plans, many of them, have a zero plan premium. That's not free, it's a zero plan premium. You still have to have Part A and Part B Medicare in order to qualify for Medicare Advantage. You have to be a U.S. citizen with A and B Medicare, and you have to reside in a plan service area in order to get the Advantage plan you're looking at. Some of them have zero premium.

Now, the federal government, Medicare, is paying these plans approximately $1,000 a month for every month that you might have a membership in an Advantage plan. So there's money changing hands, and the government does this so they don't have to take care of you. The plan has to take care of you, and they are under very careful and close supervision by CMS, the Centers for Medicare Services. They have to obey the rules and do things right. They're getting paid to take care of you in exchange for you not having a premium. You are responsible as an Advantage plan member for certain copayments or coinsurance, depending on what happens, subject to a plan's maximum out-of-pocket. So, by law, Medicare Advantage must be better than Original Medicare, and it is.

Doug Dent · Answer

This is a great question.

The answer depends on a person's definition of "free."

Many Medicare Advantage companies offer programs with zero premiums, which might be considered as "free." However, there are other costs associated with Medicare Advantage plans that can make them the most expensive plan a person can have.

My responsibility as a Medicare Specialist is to provide my clients with the information needed to make an educated decision in choosing their Medicare program. In my opinion, "free" Medicare Advantage plans can have the highest cost.

Most Medicare Advantage plans have deductibles, co-pays, coinsurance, and annual out-of-pocket maximums as high as $10,000 in 2026, which means people requiring lots of medical care can find "free" Medicare Advantage plans quite costly.

Another thing to consider is each Medicare Advantage HMO and PPO plan has a limited provider network in their coverage area. As a Medicare Specialist, I have witnessed many Medicare Advantage members suffer because they were denied access to a medical specialist not part of their Medicare Advantage plan's network.

Are Medicare Advantage plans really "free?" The premium might be $0, but the out-of-pocket expenses can cost a member thousands of dollars, plus the stress of not having access to specialized care when it's needed the most.

Kris Moen · Answer

Medicare Advantage plans are not truly “free.”
They’re often marketed that way because many plans have a $0 monthly premium, but you still pay in other ways:

What “$0 Premium” Actually Means:

-You still pay your Medicare Part B premium (usually deducted from Social Security).

-You pay copays for doctor visits, tests, and hospital stays.

-You pay for services as you use them — it’s pay-as-you-go instead of paying a large monthly premium.

Why They Can Offer $0 Premiums:

-The federal government pays the Medicare Advantage company a set amount each month to manage your care.

-That funding lets many plans reduce or eliminate the plan premium, but the costs show up elsewhere.

What You as the Client Should Understand:

-Your costs are not zero — they’re just structured differently.

-You trade lower premiums for higher out-of-pocket costs when you need care.

-Every plan has an annual out-of-pocket maximum, which Original Medicare doesn’t.

Antonio Rodriguez · Answer

Great question — and you’re right to be skeptical.
Medicare Advantage plans that advertise “$0 premium” aren’t truly free — it just means you don’t pay an extra monthly premium on top of what you already pay for Medicare Part B.

Here’s what’s really going on:
	•	You still pay your Part B premium (usually deducted from Social Security).
	•	The insurance company gets paid by Medicare to manage your care, so they can offer low or $0 plan premiums.
	•	You’ll usually have copays, coinsurance, or out-of-pocket costs when you use services — like doctor visits, hospital stays, or prescriptions.
	•	There’s also an annual out-of-pocket maximum, which Original Medicare doesn’t have.

So, the plans can be a great value for some people, but they’re not technically “free.” The key is understanding how the costs are structured — and whether the trade-offs fit your health and lifestyle.

Zachary Montgomery · Answer

Medicare advantage plans are not free and never have been. It is absolutely deceptive marketing in my opinion. Enrollment in Medicare Advantage requires enrollment in parts A and B. Most people are required to by $0/month for A and $202.90 for part B. It is sometimes more for either of those parts. Medicare advantage (or part C) replaces parts A and B, but still requires those premiums before paid. Part C plans may require additional premiums, or they may require less. However, part C always requires a premium. In the event that your part B premium is $0/mo, your part B premium is still actually $202.90 but is being paid by a Medicare savings plan or Medicaid. When comparing original Medicare, Medicare advantage, and Medicare supplements, it is important to compare your total monthly premiums, total annual exposure, and the actual benefits provided.

Answered by Zachary Montgomery on May 20, 2026

Agent Licensed in GA, AL, IA, IL, SC & TN

Answered by Zachary Montgomery Medicare Insurance Agent

Andrew Bennett · Answer

The old saying is that there is no free lunch and it applies to Advantage Plans as well.  In this case the cost isn't born by the person enrolled in the plan the cost is carried by tax payers.  Medicare, whether traditional or Advantage, is subsidized by the Federal government.   Advantage Plans cost the government approximately 22% more than traditional Medicare does.  

There are several reasons for this.  Commissions for agents are much higher with Advantage plans than for Medicare Supplements.  Marketing expenses are greater with Advantage Plans. On top of all that the Advantage Plans have lobbied congress and rule makers enough that they get extra subsidies the sicker an enrollee is.  The kicker is that they get those extra funds regardless of whether the enrollee gets more healthcare or not.

In a word, "NO" it isn't free.  It's just clever marketing.

Calvin Fritz · Answer

The idea that Medicare Advantage plans are “free” is generally more of a marketing strategy than a literal truth. While many Medicare Advantage plans have low or even $0 premiums, this doesn’t mean they are free in the overall sense.

Out-of-Pocket Costs: Even if the premium is $0, there are still costs like co-pays, deductibles, and co-insurance for doctor visits, hospital stays, prescription drugs, and other services. The out-of-pocket costs can add up, depending on the plan and the services you use.

Network Limitations: Many Medicare Advantage plans are HMO or PPO plans, meaning they have network restrictions. You might have to stay within a network of doctors and hospitals, and if you go outside that network, you'll pay more or your care may not be covered at all.

Steve and Sue Brauer · Answer

Hi, thanks for watching. So the question is, are Medicare Advantage plans really free or is that just clever marketing? Well, when they say free, many, I'll say here in the Phoenix area, most of the Medicare Advantage plans don't have a premium. It's a zero premium. But it's a copay-based system, meaning when you go get services, it's all based on copay. If you go into the hospital, it's going to be a certain dollar amount for the first five or six days. If you go see a specialist, it's going to be a certain amount. If you have an ambulance, it's a certain amount. That's why people say that it's free. You don't pay monthly for it, but you pay based on the services that you're getting at the time. If you get a Medicare Supplement plan, sometimes called a Medigap plan, you're paying upfront for the monthly premium for what you might use in the future. Typically, you don't have any copays or any payments when you get services, but you're paying for that Medigap plan each month plus a drug plan. So it's just a matter of do you want to pay upfront or do you want a copay-based system and kind of a pay-as-you-go way.

William Lawler · Answer

It is true that Medicare Advantage plans have a low or no monthly premium. However, keep in mind that everyone who is in a Medicare Advantage plan or a Medicare supplement, a Medigap plan, must be enrolled in Part A and Part B. Now, the Part B premium in 2025 is $185 a month. So, it's not free for Part B. The reason that Medicare Advantage plans can be offered at such low premiums or no premium at all is that $185 a month goes to the insurance companies. You multiply that $185 by tens of thousands of people, and that's how they can afford a very low or no monthly premium.

Lauren Fodde · Answer

Many Medicare Advantage plans have a $0 monthly premium, but you still pay:

Your Part B premium (to Medicare)
Copays/coinsurance when you use services
Potential out-of-pocket costs throughout the year

In exchange, these plans often include extras like dental, vision, and prescriptions.

They can be low-cost upfront, but you pay as you use care—so it’s important to look at the total cost or max out of pocket, not just the $0 premium.

Pete Alberti · Answer

The concept of "free" Medicare Advantage plans can be misleading. While some Medicare Advantage plans advertise $0 monthly premiums, it's crucial to understand that this doesn't mean you won't have any healthcare costs. Here's a breakdown:

 * $0 Premium Doesn't Mean $0 Cost:

 A $0 premium means you don't pay a monthly fee to the private insurance company offering the Medicare Advantage plan. However, you'll still likely have other out-of-pocket costs, such as:
     
* Co-payments: Fixed amounts you pay for specific services (e.g., doctor's visits, prescriptions).
* Coinsurance: A percentage of the cost you pay for services.
* Deductibles: The amount you pay before your plan starts covering costs.

Jerry Wilson · Answer

For cost-conscious seniors, the promise of a $0 premium Medicare Advantage plan sounds appealing. These plans do exist—but “zero premium” doesn’t mean zero cost.

While the monthly premium is $0:
•	You still pay your Medicare Part B premium (about $206.50/month in 2026). 
•	You’ll pay copays and coinsurance for most services.
•	Coverage depends on HMO or PPO networks, which may limit provider choice.

Joshua Filmore · Answer

Most Advantage plans really do cost $0 each month (this is additional monthly - remember that pesky $185 part B premium will still come out of your social security check each month), which is a lifesaver if a hefty monthly premium just isn’t in the budget due to your part B premium. Yes, you’ll have co‑pays when you visit the doctor or fill a prescription, but here’s the big win: every plan puts a hard ceiling on what you’ll spend in a year.

With Original or Traditional Medicare (part A and B only) you’re on the hook for 20 % of every bill—whether it’s a $100 X‑ray ($20 out of pocket) or a $100,000 surgery ($20,000 out of pocket!). An Advantage plan might cap your yearly costs at, say, $4,500 or $6,700. Once you hit that limit, the plan pays 100 % of covered services. For many folks, that cap is the difference between a manageable expense and a second mortgage.

Each plan sets its own max‑out‑of‑pocket and co‑pay schedule, so talking with a licensed, independent broker (that’s me!) is the best way to see the full landscape and pick the plan that saves you the most. If high monthly premiums aren’t an option—or you just like keeping more money in your pocket—let’s chat. Reach out today and we’ll find the Advantage plan that fits your health needs and your wallet.

Patrick Hecht · Answer

Some Medicare Advantage plans do have a $0 monthly premium, but that doesn't mean they're truly "free." You still need to pay your Medicare Part B premium, and there are copays, deductibles, and out-of-pocket costs depending on how you use your coverage. The $0 premium is a great marketing point, but it's important to look at the full picture, including networks, drug coverage, and the maximum out-of-pocket limits to understand what you're really getting. That is where working with an independent Medicare agent can help; someone who'll break it down and make sure the plan fits you.

Answered by Patrick Hecht on May 19, 2025

Broker Licensed in VA, CA, MD, PA & WV

Answered by Patrick Hecht Medicare Insurance Agent

Dan Green · Answer

The legal term is " Zero Cost". While Medicare Advantage plans have no monthly cost in most cases, that doesn't mean it won't cost. Think of Medicare Advantage plans as " pay as you go" plans. Copays for daily hospital stays, specialist visits, x-rays, MRI, cat scans , etc can add up. Pay close attention to the carrier's MOOP. MOOP means maximum out of pocket. In some cases it is a better financial decision to pay $1400-1600 per year for a Medicare Supplement than pay $3500+ for a Medicare Advantage plan. Make sure you have an agent that can share the advantages/ disadvantages to each choice.

Answered by Dan Green on April 8, 2025

Broker Licensed in NC

Answered by Dan Green Medicare Insurance Agent

Diana Garner · Answer

Most Medicare Advantage plans are offered as zero-premium plans, but there are a few plans that do have a monthly premium. They can not be truly considered "free" because other costs are associated, such as your Medicare Part B Premium, and you may incur possible deductibles, copays, and coinsurance when seeking medical care up to a defined max-out-of-pocket amount.

Even with that being said, there are low-cost plans called Hospital Indemnity plans that can be purchased to help combat those out-of-pocket expenses.

Vicki Wuest · Answer

Not exactly.
Many Medicare Advantage plans advertise a $0 monthly premium, but that doesn’t mean there are no costs.
You still pay your Medicare Part B premium, and you’ll have copays, coinsurance, and yearly out-of-pocket limits when you use medical services.

So while the plan itself may not charge a monthly fee, it’s not truly free — you’ll just pay as you go, rather than upfront.

Carlos Pratts · Answer

While many Medicare Advantage plans offer $0 monthly premiums, they aren't truly free. You'll still need to pay your Part B premium (currently $185 per month in 2025) and may encounter costs such as deductibles, coinsurance, or copayments when using your plan.

Answered by Carlos Pratts on May 7, 2025

Broker Licensed in FL, MI, NC & OH, SC, TN & TX

Answered by Carlos Pratts Medicare Insurance Agent

Leisha Stevens · Answer

No, Medicare Advantage plans are generally not free. While some plans may offer a $0 monthly premium, there will still be other out-of-pocket costs such as deductibles, copayments, and coinsurance. 

The average monthly premium for a Medicare Advantage plan is around $17, but this can vary depending on the plan. Additionally, you will still need to pay your Part B premium, which is currently $185 per month. 

It's important to compare the costs and benefits of different Medicare Advantage plans before making a decision. Some plans may have higher premiums but offer more coverage, while others may have lower premiums but more out-of-pocket costs

Julie Hamilton, RN · Answer

Many Medicare Advantage plans are available for $0 monthly premium. You will still have costs associated with receiving care, such as copays, deductibles, and coinsurance, such as per day hospital admission copays. These costs vary depending on your plan. Medicare Advantage plans are when private insurance companies contract with the government to provide Medicare benefits to beneficiaries. You still have to pay your monthly part B premium, even if you are on a $0 premium Medicare Advantage plan.

Answered by Julie Hamilton, RN on September 5, 2025

Broker Licensed in GA, AL, SC & TN

Answered by Julie Hamilton, RN Medicare Insurance Agent

Zachary Swiger · Answer

Medicare Advantage plans are not FREE. A large amount of Medicare Advantage plans have no monthly premium (the amount you pay monthly for coverage), but you must still pay the premium for Medicare Part B. Though some Medicare Advantage plans do not have a monthly premium, you may have other cost sharing responsibilities such as co-pays and deductibles.

Answered by Zachary Swiger on September 22, 2025

Broker Licensed in MO

Answered by Zachary Swiger Medicare Insurance Agent

Heidi Broberg · Answer

While you might find plans with a $0 monthly premium, this comes with important context and conditions:

You still need to be enrolled in Medicare Part A and Part B: These are not free. You've paid into Part A through payroll taxes during your working years, and you continue to pay the standard Part B premium (or potentially more depending on your income).

The $0 premium often applies to specific types of plans, like HMOs: These plans typically require you to stay within a network of doctors and hospitals to receive coverage. Going out-of-network may result in higher costs or no coverage at all.   
 
It's more accurate to say that these plans can offer a way to receive your Medicare benefits through a private insurance company, often with extra benefits, after you've already met the requirements of Medicare (and continue to pay your Part B premium).

Christopher Boyd · Answer

Clever but misleading marketing in some instances: 

A compliant insurance agent/broker is forbidden from using the words "free" or "this is the best plan for you". If someone is Dual Eligible (Full Dual Eligible Medicaid and Medicare) and they see providers who accept both Medicare and Medicaid, they should have 100% no-copays or financial responsibility for their medical expenses. This does not apply to all medications, there can still be a partial co-pay for name-brand drugs for Dual Eligible Medicare/Medicaid beneficiaries. 

Unfortunately, many brokers, especially call centers will not review the Summary of Benefits with the person explaining applicable co-pays (for Non Dual Eligible enrollees)  such as emergency room, specialist appointments, inpatient hospital admissions, chemotherapy, durable medical equipment, etc. Many insurance carriers offer some Medicare Advantage Plans with Over The Counter (OTC) benefits and gym memberships at no cost to the enrollee.  Some plans also offer partial, limited coverage for glasses and dental as well (as applicable). These benefits are listed in your Summary of Benefits (as applicable).

The bottom line, if someone has no eligibility for any Federal, State, Tribal, local, or hospital financial assistance programs, they should be 100% accountable for any applicable co-pays in their Summary of Benefits or Evidence of Coverage- printed guidelines. These guidelines may change from year to year. Check with your Medicare Advantage Plan Carrier website to review your current Summary of Benefits or Evidence of Coverage to verify your current plan.

Kate Spilsbury · Answer

That “free” label can definitely be misleading. Many Medicare Advantage plans have a $0 monthly premium, but you still pay copays, coinsurance, and your Part B premium, and costs can add up depending on how often you use care. The plan isn’t truly free; it just shifts when and how you pay. My job is to help you see the full picture so there are no surprises later.

Answered by Kate Spilsbury on October 20, 2025

Broker Licensed in FL, AZ, CA & 7 other states

Answered by Kate Spilsbury Medicare Insurance Agent

Rose Cahill · Answer

There are many Medicare Advantage Plans that are $0 premium plans. This means that you will not be charged any monthly premium for the plan by the insurance carrier. However, these plans can charge co-pays and co-insurance amounts when you use the services covered by the plan. As such, the plan is not "free".

There are some plans called Dual Special Needs plans that may be free for some people who qualify for the plan. These plans often have no monthly premium amount and the services covered by the plan are at $0 co-pay. However, you must qualify for these plans by applying for and receiving Medicaid assistance from your State. To qualify you must meet the income and asset standards set by your State.

Jay Rayl · Answer

I wouldn't say, nor should anyone say they are "Free".  However, there are many plans that are absolutely at no additional cost to most members.  The way they can be at no additional cost is that your Medicare Part B premium along with additional money is paid from Medicare to the insurance company to offer you that plan at no additional cost.  An insurance company may receive upwards of $1,000 per month for your enrollment in their "Free" plan from Medicare, so the insurance companies are doing just fine in offering those plans.  

Medicare Advantage plans are a fantastic option for many people, but they are not for everyone.  You must look at factors like plan benefits, and designs, which vary tremendously by location.  You also must look at "access" or the network. (The hospitals and doctors you can see with the plan.)  Some areas have very large and strong network bases, while others may have more holes than swiss cheese.  If considering a MA plan you should always talk to a local INDEPENDENT broker or agent who knows the area in which you live.  They can guide you through the good and the bad of your options.

David Bell · Answer

Free is a catchy marketing word. Many have no monthly premium so in that sence, yes. If we are looking at overall cost (premiums, co-pays, deductible etc...) then no. Advantage plans will have co-payments for things like doctors office visits, tests, radiology, the emergency room and the hospital, but they are set co-payments that are usually very reasonable. Additionally, there is an out of pocket maximum, so you know your worst case senerio. Note that few people reach the out of pocket maximum, so it is not really an annual cost. In comparison, Medicare supplement G only has you pay a Deductible ($254 in 2025) for services, so many people with supplements feel that visits, tests and hospital stays are "free" but fail to account for the monthly premium they pay no matter if they use the plan or not. In comparison, Medicare Advantage will come out well ahead in years with fewer medical procedures. As good years usually well outnumber the bad, Medicare Advantage usually wins.

Answered by David Bell on April 15, 2025

Agent Licensed in ID, AZ, CA & 8 other states

Answered by David Bell Medicare Insurance Agent

Brenda Trejos · Answer

Approximately 70% of Medicare Advantage Plans (MAPD) do not have a monthly premium, but all MAPD's do have costs associated with them when they are used for most medical services. These are known mostly as copays and can be quite reasonable, especially when you use In-Network services. Many MAPD's also come with additional extra benefits that are attractive to many consumers. Benefits such as Dental, Hearing, Vision, Gym coverage, etc. Its important to understand the pros & cons for MAPD's, as well as Medicare Supplements. There is not a "one size fits all" Plan out there and talking to an experienced Agent/Broker is a wise option. Plan ahead before starting Medicare and learn as much as you can.

Answered by Brenda Trejos on March 26, 2025

Broker Licensed in CA, AR, AZ & 28 other states

Answered by Brenda Trejos Medicare Insurance Agent

Elliott Klepner · Answer

Some Medicare Advantage plans have a monthly premium, and some do not. However, you must pay your monthly Medicare "Part B" premium, which is $185.00 in 2025 and will increase to approximately $206.50 in 2026. Some Medicare Advantage plans have a "Part B" reduction or giveback, which pays a portion of the "Part B" premium. Most people on Social Security have their "Part B" premium deducted from their Social Security payments.

Answered by Elliott Klepner on October 25, 2025

Broker Licensed in FL

Answered by Elliott Klepner Medicare Insurance Agent

Michele Vina · Answer

Medicare Advantage plans are "free" in the sense that they do not have a monthly premium. However, they are co-pay based. You pay co-pays for each service received up to a maximum out of pocket between $3,000 to $8,000 per year depending on the plan. They do include the extras like dental, vision, and gym membership for no charge.

Answered by Michele Vina on May 27, 2025

Broker Licensed in TX, KY, OH & OK

Answered by Michele Vina Medicare Insurance Agent

Mary Brown · Answer

Many Medicare Advantage plans have a $0 monthly premium, but they’re not truly “free.” You still must pay your Medicare Part B premium, and you may also have copays, coinsurance, deductibles, and other out-of-pocket costs when you use medical services.

Answered by Mary Brown on May 19, 2026

Broker Licensed in NJ, DE, FL & NC, OH, PA & TX

Answered by Mary Brown Medicare Insurance Agent

Tammam Tayara · Answer

Medicare Advantage plans are not truly “free”—while many advertise a $0 monthly premium, you may still have costs like copays, deductibles, and out-of-pocket expenses. The $0 premium simply means the plan is funded by Medicare to cover your benefits. It’s important to look beyond the marketing and review the full costs and coverage details.

Answered by Tammam Tayara on September 10, 2025

Agent Licensed in CA, NM, OR & TX

Answered by Tammam Tayara Medicare Insurance Agent

Josefina Escobar · Answer

They’re not truly “free”, that’s mostly marketing. Many Medicare Advantage plans have a $0 monthly premium, but you still must pay your Medicare Part B premium and you’ll have copays, coinsurance, and out‑of‑pocket costs when you use services.

Answered by Josefina Escobar on April 14, 2026

Broker Licensed in NC

Answered by Josefina Escobar Medicare Insurance Agent

Aimee Butler · Answer

As an insurance agent for Medicare Health Plans, I never use the word "free". In NE Ohio, we do have a lot of $0 premium plans. Some people choose to say they are free, but they have a $0 monthly premium. You still have to pay for your Medicare Part B, and you will have copays or coinsurance on most services you use on your Advantage plans, like specialists, hospital stays, MRI, X-ray, etc. Most of the plans do include things like dental, vision, hearing, and your prescription drug plan.

Answered by Aimee Butler on April 20, 2026

Agent Licensed in OH

Answered by Aimee Butler Medicare Insurance Agent

Renee Pena · Answer

Medicare Advantage plans, are not entirely "free." While some plans may have a $0 premium, there are often other costs involved, such as copayments, coinsurance, and deductibles. Additionally, these plans might require you to use a network of doctors and hospitals, and you may need prior approval for certain services 

It's important that we carefully review the details of the plan to understand the full scope of costs and coverage.

Lilyana Uzdenova-Gomez · Answer

Medicare advantage plans are definitely not “free”. They get funding primarily from Medicare funds to administer Medicare benefits through a private health insurance plan. Most of them have deductibles, copays and coinsurance, unless they are designed for Medicare and full Medicaid eligible beneficiaries.
    In other words, if there is a benefit, someone pays for it. Compared to Medigap plans, on average, where consumers prepay on the front as monthly premiums, for the benefits they may or may not use, with Medicare advantage plans consumers pay as they go, usually in the form of copays, coinsurance and sometimes, deductibles.

Robert Vaughan, R.Ph., MBA · Answer

It is true that many Medicare Advantage plans have zero dollar premiums, but there are costs associated with utilizing the plan's benefits. You will likely pay deductibles, coinsurance, or copayments when seeking medical treatment. Additionally, continuing to pay your Medicare Part B premium is necessary to remain enrolled in a Medicare Advantage plan.

Answered by Robert Vaughan, R.Ph., MBA on May 5, 2025

Broker Licensed in CA, AZ, ID, NM, NV & TX

Answered by Robert Vaughan, R.Ph., MBA Medicare Insurance Agent

David Treadway · Answer

You always have to pay the part B premium (unless you receive state assistance) so they are not free. There are many $0 premium plans that cost nothing additional above the part B premium but some advantage plans have additional premiums because they provide benefits that some clients want. Currently there are a lot of excellent $0 premium plans but that does not mean they are “free.”

Answered by David Treadway on April 8, 2025

Broker Licensed in OH, FL, IN & KY, MI, SC & VA

Answered by David Treadway Medicare Insurance Agent

James Stang · Answer

There are Medicare Advantage plans that have a $0 monthly premium but you will pay co-pays for things like specialist visits or hospital stays. So while they aren't "free", if you are healthy and do not need regular medical services outside you normal check-ups with your PCP, a $0 premium MA plan can save you money.

Answered by James Stang on September 24, 2025

Agent Licensed in OH

Answered by James Stang Medicare Insurance Agent

Vachik Chakhbazian · Answer

While some Medicare Advantage plans advertise zero monthly premiums, they aren't truly "free." You'll still need to pay your Medicare Part B premium and may incur costs like deductibles, coinsurance, and copayments for medical services.

Answered by Vachik Chakhbazian on April 8, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Andrew Kelly · Answer

Medicare Advantage plans may have a zero premium each month, but they will also have a annual "out of pocket" maximum. This amount may be significant and certainly may be equal or greater than the premiums that you might have paid for a Medicare Supplement with Original Medicare. It's important to review the pros/cons of both and to choose the plan that best meets your individual needs.

Answered by Andrew Kelly on April 8, 2025

Agent Licensed in WA & OR

Answered by Andrew Kelly Medicare Insurance Agent

Kelly Anderson · Answer

No. “Free” Medicare Advantage plans are a marketing tool. You must still pay your monthly Medicare Part B premium and plans often have copay's, deductible’s, and coinsurance for some services. However, some Medicare Advantage plans are available at no additional monthly premiums other than the Part B premium.

Answered by Kelly Anderson on April 8, 2026

Agent Licensed in MO, AK, AL & 45 other states

Answered by Kelly Anderson Medicare Insurance Agent

Tommy Lawson · Answer

I wouldn't say free, some Medicare Advantage plans do have a premium, however, most are at $0 premium per month. When enrolling in a MA/MAPD you are agreeing to a more traditional cost sharing model with possible deductibles, copays, coinsurance, and a max out of pocket. Medicare Advantage works for a lot of senior. As long as you assure your doctors are in network and your medications are covered at a rate you feel works for you, it can be a great way to save precious dollars.

Answered by Tommy Lawson on April 8, 2025

Broker Licensed in KY, CT & IN

Answered by Tommy Lawson Medicare Insurance Agent

Leonel Quintana · Answer

Well that really depends on what you consider "free". There are a lot of $0 per month premium plans available, but there are still a lot of additional costs associated with that $0 premium. You have, copays, deductibles, and not to mention that you still have to pay for your Part B. So while there is no monthly premium for some advantage plans, there is still some additional costs that you will have to pay whether its a Medicare Advantage plan or original Medicare!

Answered by Leonel Quintana on March 31, 2025

Broker Licensed in IL, AL, AZ & 5 other states

Answered by Leonel Quintana Medicare Insurance Agent

Mark Bilgere · Answer

Everybody loves FREE stuff, but we also know that very few things are really FREE. I prefer to describe Advantage plans as "Premium Free". This means they don't charge you a monthly fee to have the coverage. However, you do have copays and coinsurance for goods and services when you use them. These costs are often overlooked by folks when they are price shopping. When it comes to your Healthcare, Price and Cost are often very different. Something with a low price may cost you a lot of time and frustration and delayed care.

Answered by Mark Bilgere on October 20, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Voss Speros · Answer

Voss Speros here, Greek God of Medicare. The question today is: are Medicare Advantage plans really free, or is it just clever marketing?

It is really clever marketing, I have to say. Yes. What this means though is the premium is generally $0, so there's generally no cost to have a Medicare Advantage plan depending on your county. Some plans do have a premium though, so they're not free at that point. And they're not free because they have copayments for services.

So the "free" comes in on the premiums. The majority of the premiums are $0. So yes, the plan is free compared to a supplemental plan where you pay monthly to have the plan. On a supplemental plan, you pay $200 to have the plan. On the Advantage plan, you don't pay to have the plan in general.

On the supplemental plan, you pay for the Part D. There's a premium for that. On the Advantage plan, the Part D is included, so that's free. There are copayments inside of the Advantage plan, so it's not 100% free, but to have the plan, in the majority of the counties, there's no cost to the plan. So technically, it is free to have.

I hope that helps. If you have any other questions, give us a call. More than happy to answer your questions. Have a great day.

Michelle Simonds · Answer

You. might hear the term "zero dollar premium" and think Medicare Advantage plans are free - but that's not exactly the case. While some plans do not charge a monthly premium, you still have to pay your Part B premium and you have out of pocket expenses like copays and deductibles when you seek care. These plans can offer great value, but it's important to understand what's covered and what you might still need to pay. I'm here to help you break it all down, so there's no surprises.

Answered by Michelle Simonds on May 5, 2025

Agent Licensed in PA, FL & NY

Answered by Michelle Simonds Medicare Insurance Agent

Jim Schueth · Answer

The correct statement should be..... Most Medicare Advantage are $0 premium plans that have Co-Pays, Co-Insurances and most importantly, a Maximum Out Of Pocket In-Network.

These plans are frequently called Pay As You Go plans.  You may not spend anything or you may spend the Max Out Of Pocket.  No one knows what health issues will arise in the future!

Luis Mendoza · Answer

No premium ≠ no cost.

MA plans can be a good deal for healthy folks who don’t see doctors often and want extras (dental, vision, gym).

But if you have chronic conditions, frequent doctor visits, or expensive drugs, “free” can turn into several thousand dollars a year out of pocket.

Jeff LeSourd · Answer

Everyone on Medicare Part B must pay the Part B premium to CMS which currently is $185/month. 
There may be a no cost monthly premium for most Medicare Advantage plans.  However, there are other costs that may apply like copays, coinsurance and Maximum Out of Pocket costs for medical services.  Medicare Advantage plans have pros and cons as does Original Medicare with Medigap Supplement plans.  
The best suggestion is to talk to a Medicare professional who can fully educate you on the true costs and benefits of MA plans vs. Medigap Supplemental plans. This is a critical decision and seniors need to be completely educated on Medicare to avoid expensive mistakes down the road.

Craig Bodner · Answer

To call Medicare Advantage plans "free" is over simplifying. Many (but not all) Medicare Advantage plans have $0 monthly premiums so if premiums were the only important consideration, they could be considered "free". But there are many other factors to consider, such as deductibles, copays, drug coverage, etc. A Medicare Advantage plan can be an excellent value when paired well with clients priorities but its critical to look at all aspects of the plan such as whether all of your doctors are in network, all of your medications are covered by the plan, and many other considerations. As your Medicare Broker, it is my job to not only recommend a plan tailored to your needs but also to make your health coverage easier to understand.

Answered by Craig Bodner on April 11, 2025

Broker Licensed in AZ, CA, CT & 8 other states

Answered by Craig Bodner Medicare Insurance Agent

Carmen Zorrilla · Answer

Medicare Advantage (MA) plans are not entirely "free." While some MA plans have $0 premiums, they often come with other costs and limitations.


What to Consider


Premiums: You'll still pay your Medicare Part B premium.
Out-of-Pocket Costs: Copays, coinsurance, and deductibles apply.
Network Restrictions: Seeing out-of-network providers may result in higher costs.
Maximum Out-of-Pocket (MOOP): You'll pay up to a certain limit annually.



Before Enrolling


Research: Compare plans and review the fine print.
Ask Questions: Clarify doubts with the plan provider or a licensed insurance agent.



Confused About Medicare Advantage Plans?


Don't worry, I'm here to help. With so many plans available, it can be overwhelming to choose the right one.


Call me directly for a personalized consultation. I'll help you navigate the complex world of Medicare Advantage plans and find the best fit for your healthcare needs.

Christopher Stowers · Answer

Medicare Advantage plans often have $0 premiums, but they’re not truly “free”—you still have to pay your Part B premium and may have out-of-pocket costs for services. It’s important to look beyond the marketing and understand the plan’s copays, deductibles, and network limitations.

Answered by Christopher Stowers on April 18, 2025

Broker Licensed in GA, FL, MD & 7 other states

Answered by Christopher Stowers Medicare Insurance Agent

Frank Woerner · Answer

One of Medicare Advantage plan benefits is that most plans have a low or $0 monthly premium. That's enticing for obvious reasons. However, unlike Medicare supplements where you pay a monthly upfront premium, Advantage plans are more of a "pay as you use it" program. In other words, when you visit doctors and hospitals, expect co-pays, co-insurance to apply. They're good plans but read your contract well.

Answered by Frank Woerner on June 8, 2026

Broker Licensed in IN & IL

Answered by Frank Woerner Medicare Insurance Agent

Rick Sigler · Answer

Most Medicare Advantage Plans (MAPD) do indeed charge $0.00 dollars in monthly premiums. However, everyone still pays their Part B Premium (through their social security) and any Copays and Out Of Pocket Deductibles associated with the Advantage Plan they choose. These maximum out of pockets typically run between $3000 and $6000 dollars per year and vary by area and plan.

I recommend ALL Seniors choosing a Medicare Advantage Plan also add a low cost Hospital Indemnity Policy which I can provide. These products directly reimburse you for some of your Out Of Pocket Expenses.

I can discuss these and other Medicare questions and help you make the correct choices.

Eric Jensen · Answer

There are a lot of Medicare Advantage plans that have no premium. However, you would still be responsable for paying your original medicare part B premium (and possibly Part A if you have one).  So when someone says that a medicare advantage plan that doesn't charge a monthly premium is "free", they actually mean that you would be paying the same whether you are in original medicare or a medicare advantage plan, so it is "free" in that sense.

Tanja Roulhac · Answer

Some Medicare Advantage plans have a $0 monthly premium, this does not mean they are entirely free. Beneficiaries still must pay their Medicare Part B premium (which is typically deducted from Social Security benefits) regardless of whether they choose a Medicare Advantage plan.

Tracy Brown · Answer

Free' sounds great—but nothing in healthcare is ever truly free.  Many Medicare Advantage plans have $0 premiums, but you pay in other ways. Co-pays, prior authorizations, network restrictions, and expensive bills to pay if you go out of network.

The #1 reason some people steer clear? Loss of control. With Medicare Supplements, you can see almost any doctor or specialist in the country without referrals.  Advantage plans have networks that need approvals to access certain treatments.

With my clients, about 30%, the trade-offs are worth it. For others, they’re deal-breakers. With MedWiseTrust, it’s not about ‘free’—it’s about what 'fits' you. I’m here as your partner to figure that out.

Caleb Pearson · Answer

This is a question that I get asked often. Yes, there are Medicare Advantage plans that have a $0  monthly premium, that doesn’t mean they’re completely “free.” You still have to pay your Medicare Part B premium (unless it's covered by a program you qualify for), and there can be out-of-pocket costs like copays, coinsurance, and deductibles when you use services.

The $0 premium plans can be a great option depending on your healthcare needs and budget, but it’s important to look closely at the plan’s coverage, provider network, and maximum out-of-pocket limits. 

I always recommend taking the time to meet with an independent Medicare agent (over the phone or in person) to review your plan options.

Daniel Weeks · Answer

There are $0/premium plans out there, but you must be enrolled in Part B which has a premium of $185/month unless you get assistance through the state or county per your income level.  Obviously with no premium, one can expect more out of pocket expenses when seeing doctors or hospitals, generally.

Steve Houchens · Answer

Medicare Advantage plans are not free and anyone using that verbiage is misleading and breaking CMS rules. They may be zero premium but that does not mean free. Zero premium means it cost you nothing but they aren’t free because they are subsidized by the government. Free and zero premium is not the same.

Albert Smith · Answer

No, Medicare Advantage Plans are not free. You may have a zero premium plan, but copays and coinsurance are your responsibility. Your Part b Premium has to be paid to keep the coverage.

Tim J Harris · Answer

Well, I learned in high school economics class that "there is no such thing as a free ham sandwich".  Yes, it might be FREE to you, but somebody had to raise the pig and grow the wheat.

Medicare Advantage plans may be "Zero Premium" to you, but you paid taxes (along with everyone else) and you pay a Part B premium (along with everyone else) so the government can pay the insurance companies to provide the Medicare Advantage plans.  

I wouldn't call it "clever marketing".  When I discuss options with a person who is turning 65, we look at the true annual out of pocket cost of having an Advantage plan VS a Medicare Supplement (MediGap) plan.  The premium amount is only one part of the equation.

Steven Rodriguez Giudicelli · Answer

While some Medicare Advantage plans have a $0 monthly premium, they are not truly "free." You will still be responsible for other healthcare costs, including your Part B premium, deductibles, copayments, and coinsurance. It's crucial to look beyond the premium and carefully consider the plan's overall costs, benefits, network, and rules before making a decision.

Joel Montilla, Esq. · Answer

It depends on the financial needs of the applicant.  It isn't free in the sense that taxpayers pay into a fund throughout their workable (or "accumulating years"), which then pays to help maintain and manage our aging population's health needs when they are older.  However, there are some plans that have $0 premiums. 

Some applicants who receive state benefits or have a qualifying condition may qualify for financial assistance with Medicare Advantage plans. However, there are other costs, such as out-of-pocket costs, Part B premiums paid directly to the government, and other shared costs that have to be considered as well.

Caretta Carrington · Answer

Medicare Advantage plans are absolutely not free. Medicare part A, hospital is free for those who worked a full time job and paid into social security and earned 40 quarter credits. If you did not earn enough quarter credits and wish to have part A, you will be required to pay a premium. Medicare part B Medical has a premium for all beneficiaries, and this year the premium is $185. You can get help pay this from the Medicare Savings Program, if your income qualifies you.  Also, Medicare Advantage has Copays, deductibles and coinsurance cost sharing responsibilities for all beneficiaries that are does not have a full level of Medicaid.

Kimberly McPherson · Answer

"Free" is not a term us agents and brokers should use.  Nothing is really free.  The cost per month for most Medicare Advantage plans is $0.  Some Medicare Advantage plans have a cost associated with them.  It's important to know that the Medicare client still needs to maintain Medicare Parts A and B in order to keep their Medicare Advantage plan.   Once a client is enrolled in a Medicare Advantage plan, there are "copays" for everything.  Copays for doctor visits, copays for hospital stay, copays for surgery, etc.  Each plan is different and these copays vary based on the plan.  As a Medicare broker, I can help you understand the details and costs associated with your Medicare Advantage coverage.

Isaac Witham · Answer

Advantage plans are not free. They often times use a cost-share structure that allows patients to pay lower premiums monthly, but may have higher copayments for other services, such as hospitalizations, surgeries, cancer treatments, and other services with high out of pocket co-payments. They are also not always 0 dollar premium plans. As of this year many programs are starting to introduce premiums to their plans. It may be however, a good option for individuals that are relatively healthy, and maybe see their pcp and a specialist every so often.

Tammera Marrs · Answer

There are Medicare Advantage plans that have a $0 monthly premium but you will pay co-pays for things like specialist visits or hospital stays. So while they aren't "free", if you are healthy and do not need regular medical services outside you normal check-ups with your PCP, a $0 premium MA plan can save you money.

Answered by James Stang on September 24, 2025

Agent Licensed in OH

Holly Douglas · Answer

You will always have to pay your Medicare Part B premium, which is usually deducted from your social security check. Some plans are offered with a $0 monthly premium so you wouldn’t pay an additional premium but you will pay copays for most things.

Steven A James, MBA · Answer

No, nothing is "Free".

When a Medicare beneficiary enrolls in a Medicare Advantage Plan (MAPD), the insurance company receives funds from Medicare to "manage" your health insurance plan.  These funds are then used to pay for all aspects defined within a particular plan.  If the plan has a "$0" monthly premium, it simply implies that the plan is fully funded as is, and no additional premium is required.

For plans that do have a monthly premium, the same principle applie,s only that additional funds are required to support the plan.

To entice Medicare beneficiaries to enroll in these plans, insurance companies offer many features and benefits not available from Medicare alone, such as Vision, Dental, Hearing Aids, Fitness membership and more.

Steven A James, MBA
Contact me.

Stephanie Yarberough · Answer

Depending on the area of the country that you live, it's possible there are $0 premium Medicare Advantage Plans available. You will still have a monthly premium for Medicare Part B. Choosing a $0 premium Medicare Advantage Plan often means higher copays and coinsurance on medical services than a plan with a premium. It's important to work with a licensed Medicare Insurance broker who can show you the pluses and minuses of multiple plans.

Sean MacBean · Answer

All Medicare Advantage Plans, have these traits:

1. Most,  have a zero monthly premium.

2. All Medicare Advantge plans have a 5 day hospital gap, requiring you to pay out of pocket $325 -$495, each day, depending on your exact plan. 

3. Most, offer drugs, dental, vision, and hearing (which are specialist) and could cost you $10 -$50 per visit, dependant on your exact plan. 

4. Most have various Co-Pays for everything outside of preventive care costs. These co-pays can be expensive. 

5. To protect yourself, you should purchase a hospital indemnity plan which reimburses you directly for:
1. Ambulance charges
2. Hospital observation 
3. Travel to hospital
4. Outpatient surgery or therapy 
5. Chiropractic or therapy 
6. Skilled nurses coverage
7. Mental health coverages
*All of these and more can be selected.

Phyllis Dixon · Answer

Free is probably not the most accurate description. Each Medicare eligible person needs to have Medicare A and B (which has a cost for most people) to qualify for a Medicare Advantage plan.  The plans often don't have an up front monthly premium, but somewhat like health insurance there is out of pocket expense for medical and prescription costs. That being the case, it's important to carefully review plans to be sure the out of pocket costs are acceptable in each person's situation.

Tony Capraro III · Answer

Medicare agents have lots of questions, and we've got the answers. Are Medicare Advantage plans really free, or is that just clever marketing? I don't know that I've seen that they're free. I hear them touting from the rooftops and on TV 24/7 that they have zero premiums per month, but that doesn't mean they're free. Medicare Advantage plans have copays and out-of-pocket costs.

Every one of them here in the state of New Hampshire, where my State Farm agency is located on Kelly Street in Manchester, has an out-of-pocket cost maximum. Most of them are anywhere from $5,000 to $9,500, so they are not free. Again, you may be mesmerized when they have all the ads and all the mailbox stuffing that show zero premiums per month. But remember, copays and out-of-pocket costs add up quickly.

Work with someone like myself who can offer not only Medicare Advantage plans but also Medicare supplement plans. I have no preconceived notions of what you need to buy. I go based on your goals and objectives. I will explain Medicare Advantage, and I will explain Medicare supplement so that you know it inside and out and won't make any decisions based on incorrect information.

We will give you great information so that you can make a good decision. Please allow me to do that or any of the folks, whatever state you're in.

Tyler Dalton · Answer

It is true that many of the Medicare Advantage carriers may offer zero premium plans. They may come at no monthly cost, but that doesn't mean they are free. It is true they do come with tons of benefits and they can be fantastic plans. One thing people may not realize is that they should be considered a 'copay' plan. There will likely be a copay for most doctors, specialists and hospital benefits.

Thomas Magnus, RHU · Answer

Anyone or company marketing Medicare Advantage plans as "free" is violating the law. One MAY market them as "Premium Free" but they are NOT free since they DO impose copays for most services/benefits. They may be "lower cost" than traditional Medicare and available with zero premium - but they are not "Free".

Mark Boone · Answer

Nothing is "free". There are many "no-cost" or no premium Medicare Advantage plans available in many areas. Most MA plans do have co-pays and possibly deductibles for services. Medicare does not allow a broker to use the word free since that word can be misleading.

Charles Mai · Answer

A Medicare advantage plan is based on your Medicare part A and B participation.  Most people get the part A free based on more than 10 years of working history.  As for the part B premium for most is $185. 

People have Medicare part A and B, they can enrolled in a A Medicare advantage plan.  Most of the plans have a $0 premium.   A Medicare Advantage plan generally combines Part A, part B and Part D, and provide some additional benefits such as dental, vision and hearing.  some will be also provide part B premium giveback or OTC allowance.

It is based your medical needs to choose a plan that is right for you.  Please feel free to contact me for more in depth analysis.

Aaron Young · Answer

Many Medicare Advantage plans have a zero dollar monthly premium, and then some have small monthly premiums.  However, they are not totally free.  They do have copays and coinsurance when you use the plans but also protect the client with an annual maximum out of pocket.

Mark Enright · Answer

Medicare Advantage plans are not "free." A number of them may have a $0.00 monthly premium, but enrollees are still responsible for paying for their Part B Medicare monthly premiums.  In addition, there are normally copays for services and appointments that are part of the Medicare Advantage plans.

Steve Wilson · Answer

I think Medicare Advantage plans can be a great option for many consumers but labeling them as "free" is definitely clever marketing. 

If the Medicare Advantage plan has a $0 premium, I describe it as such and then walk through all of the benefits with the consumer so that they understand ho the plan might have cost shares they would be responsible for. 

Unlike Medicare Supplement plans, most Medicare Advantage plans offer benefits that are not covered by Medicare.  Namely, dental, vision, hearing, and over the counter allowances.  I always ensure that when going through the benefits, we discuss all of them and the word "free" is something I do not use.  In fact, Medicare prohibits a broker from using the word free.

Lou Spatafore · Answer

You've heard that nothing is free in this world and especially so with health care plans.  There are zero dollar premium Advantage plans but there is a trade off.  You will have copays, deductibles and maximum out of pocket costs not to mention the high cost if you receive services out of the plan's network.  You need to study the plan thoroughly and ask questions of your broker if you don't understand.  You don't want to buy a plan because it looks like a no cost or low cost option and be surprised later with high cost medical bills.

Jeremy Watson · Answer

Free is not exactly accurate. The term zero additional premium is a much more fitting term. You will still need to pay the part B premium so there is still a "premium" cost. They have some $0 co-pay services, but you will still likely run into costs during the year for services. However, the coverage itself may have no additional premium.

Rose Minick · Answer

Medicare Advantage plans are often marketed as “free,” but that’s a bit of a marketing stretch. While many have a $0 monthly premium, they’re not truly free. You still have to pay your Medicare Part B premium (which most people do), and there can be copays, coinsurance, and out-of-pocket costs when you use services. So, they may have low upfront costs, but they’re not without costs entirely.

Pamela Masters · Answer

It depends on which plan you can get. Some Medicare Advantage plans have $0 monthly premiums, while some have monthly premiums. Most Medicare Advantage plans have a co-pay for doctors and hospital visits as well as co-pays for diagnosis positives, x-rays. Emergency and so on. A few plans have no out of pocket costs.

Patricia &#039;Tif&quot; Bush · Answer

We do not use the word free we use the word zero premium because when you become a member of a Medicare advantage plan, Medicare will pay the private insurance carrier a certain amount of money every month to cover you. So that’s where the payment comes in for your coverage. It comes partly from your pocket because you paid into the Medicare pool your entire life and you’re also paying for Medicare part B, which is part of the payment that the Medicare system pays the private carrier on a Medicare advantage plan

Mike Odle · Answer

Please share any marketing piece that says Medicare Advantage is "free". Don't mistake $0 premium for "free". Medicare Advantage is being paid by Medicare to take care of Medicare beneficiaries.  If you are currently paying a part b premium you will continue to have to pay a part b premium in order to have Medicare Advantage. If you continue to work you will continue to have Medicare tax taken out of your paycheck to go to the cost of part A.

Christopher Palazzini · Answer

They aren’t “free” but rather “ zero premium” 

You will have co pays, some deductibles now, a max yearly out of pocket, prior authorizations and benefits that are shifted, adjusted and cut every year.

Peter Young · Answer

I don't like the word "free". Nothing is free. There are plans with a $0 premium. Those do have deductibles, copays, and a maximum out of pocket for the enrollee. As far as free, the government gives insurance companies money to administer these programs based on the number of enrollees in the plan. So in effect, the taxpayer are ultimately paying for these plans.

Cleo Martin · Answer

It is partially true. Most policies have no premium,  but you pay when you use the services like specialist,  cat scans, mri, etc.  There is no free ride. You have a hospital copay, percentages for durable medical equipment,  and chemo. So yes the premium is free, but you pay for certain services.

Andrew Kramer · Answer

CMS does not allow "clever marketing." Everything that an Advantage plan publishes must be approved by Medicare (CMS). Depending what county and state you live in, some Advantage plans have a small premium and some have none. All plans have co-pays, and sometimes co-insurance (Part B Rx's and DME). Some also give-back money/month as an offset to your Part B premium. Do your research with a qualified Medicare agent!

Meghan Blankenship · Answer

Medicare Advantage plans are not truly free - the $0 premium label is marketing shorthand, but you'll still face other costs.

Many Medicare Advantage (Part C) plans are marketed as having a $0 monthly premium. 

This is possible because the federal government pays private insurers a fixed amount per enrollee to manage your Medicare benefits. Insurers can then set premiums low (sometimes zero) to attract members.

Toni Cormier · Answer

Medicare Advantage plans are not free, depending on the plan that you choose there can be out-of-pocket cost to you monthly as well as co-pays, coinsurance and deductibles.  Regardless of whether or not you pay a premium, the federal Medicare program pays them as well.

Tristan Gibbs · Answer

Medicare Advantage plans typically have a $0 monthly premium, meaning you do not get a bill every month for being enrolled in the plan. However, "free" is a loose term because there are deductibles and copayments and coinsurance costs associated with these plans.

Yasmery Vargas · Answer

First and foremost, there are Medicare advantage plans with a premium and there are medicare advantage plans without a premium. Depending on the financial circumstance, when a recipient is responsible for paying their Medicare Part B premium with social security and may not qualify for state assistance, a 0.00 plan may be option to save some money. It is however, still subject to out-of-pocket costs and in some cases higher copays.

While it may seem like clever marketing, In order to be eligible for those plans you must be enrolled in Part A and Part B. When we look at Part B, in most cases it will cost 185.00/month which must be paid in order to enroll into any Medicare health plan including the Medicare advantage option that is 0.00.

Dina Todd · Answer

There are $0 premium Medicare Advantage plans. These are not a gimmick or clever marketing schemes. You have to look at the benefits each plan offers. They also have plans that are $0 premium for specific care needs. Brokers can show you side by side different plans with different carriers.

Carla Butler · Answer

Medicare Advantage plans aren’t truly “free” — you may not pay a premium, but you’ll still have costs like your Part B premium, copays, and deductibles.

Brandon Grzywa · Answer

They are $0 premium to the consumer, but not necessarily free of charge. The federal government pays Advantage carriers a per-covered-life amount, which can be adjusted based on specific metrics. 

So, yes, they cost consumers $0 premium, but not quite free of cost.

Michael Braun · Answer

The plans that are $0 premium are subsidized by the Federal Government to the carrier.   The carrier in exchange provides a benefit level equal to  and better than what the regular Medicare program can provide.  There are copays associated with the plans but they are either free or have a low cost to the public.   They can be a significant help to low income seniors and seniors that need additional benefits.  Every Medicare beneficiary has a unique risk profile so meeting with an agent to discuss will help you decide what is best for the beneficiary.

Barbara Cleveland · Answer

Medicare Advantage plans aren’t exactly 'free'—that’s clever marketing. While many have a $0 monthly premium, you still pay your Medicare Part B premium and may have copays, deductibles, or other out-of-pocket costs. The key is knowing what you're actually getting and making sure the plan fits your needs.

Kelsey Hentzen · Answer

Most Medicare Advantage plans offer $0 monthly premiums and $0 primary care visits. This also depends on your zip code or service area. You'll want to consider copays and benefits of each plan to ensure it is the right one that fits your individual needs. Some advantage plans may have health deductibles or prescription deductibles. You'll want to ensure whoever you are working with goes over the summary of benefits of the plan.

LaTosha Turknett · Answer

Medicare plans are not "free". Many have no additional premium, but you must still pay your Medicare Part A & B premium. Those funds are sent to the insurance carrier, pooled, and used to pay claims. **Please note, most people do not pay a Part A premium.**

Jim Tretola · Answer

While many Medicare Advantage Plans are $0 Premiums, there are many other costs involved. However, there is a built in maximum out of pocket on all plans. The Government helps these premiums to be $0, as they are encouraging managed healthcare to help keep costs down.

Ron Cronwell · Answer

Many Medicare Advantage plans have a zero monthly premium, which is not the same a free. Part of your part b premium goes to the Medicare Advantage provider to pay for the plan along with other monies from Medicare. So it is not free, but may have a zero monthly premium.

Bill Holland · Answer

Medicare Advantage plans are no free. The Federal Government uses your tax dollars to pay Insurance companies to provide benefits to their clients. There is a standard rate per insured paid by the Feds modified by Star Ratings and specific health conditions (CSNPs).
BTW The Feds do not allow Brokers to call a plan "free" , 
Brokers are to call these plans "Zero Premium ".

Janelle Brown · Answer

Many Medicare advantage plans have $0 premium per month. Most people still pay the Part B premium and have copays, deductibles, and max limits.

Donald Heath · Answer

They are never free.  Many plans are zero premium but they all have co-pays and co-insurance for certain services.  They do, however, all have a annual max out of pocket to limit annual costs for the subscriber.  The key point to know is that you are assigning your Original Medicare benefits to a private Insurance carrier... Humana, UHC, etc.  The reason they are zero premium is because Medicare pays them a monthly fee to manage your health care.  There are cases where this type of plan may not be a good fit.

George Ibanez · Answer

Medicare Advantage plans may be premium-free, but far from being free, since you will have copays for virtually EVERYTHING that you need, from hospitalizations to procedures and doctor's visits.
They are clever marketing and nothing else!
If you need good coverage, just pay a small premium and get a Medicare supplement plan!

For more information, contact George Ibanez.

Nick Mangini · Answer

Nothing in life is free. Medicare insurance is not free. It’s absolutely clever marketing! Advantage plans have out of pocket expenses like copays and deductibles. They’re just playing on words and trying to fool seniors.  Nothing is free. It’s just no premium but that means you pay on the back end. Get a medigap plan and pay a premium to cover 100%

Candace McWilliams · Answer

Some Medicare Advantage Plans have a $0 monthly premium, but you are generally responsible for co pays, deductible and out of pocket maximums.

Leslie Helene Sussman · Answer

Medicare Advantage plans are NOT free.   Most MA plans have a zero monthly premium and some could also have give-back options towards Part B Medicare payment.    When reviewing Medicare Advantage plans ALWAYS review the Summary of Benefits to truly understand how the plan is going to work for your Medical and RX needs.   Medicare Advantage plans have Co-pays.

Carol Conner · Answer

Most advantage plans have a $0 monthly premium and  $0 deductible  for medical but some have deductible for drugs and part B approx $185 is taken out of your  SS and you have max out of pocket costs for medical and sometimes prescriptions it all depends on your plan coverage but it is not totally  free.

Kimberly Griego · Answer

Medicare Advantage plans are not "free". They are subsidized by your Medicare premiums. When you choose a Medicare Advantage plan option, the federal government is no longer paying your healthcare costs, so they provide a portion of your Medicare premiums to the plan that you have chosen so that they can manage your benefits and claims payments.

Josh Vojtush · Answer

Medicare Advantage plans cannot be touted as "free". They can be zero-premium plans that cost nothing consistently per month, even if you have to continue paying for your Medicare Part B. Unless Medicaid is involved at a certain level, you will more than likely have copays and other costs.

Norman Smith · Answer

Clever Marketing!!! - the 9500 commercials you see during the Open Enrollment period, EVERYDAY, will never show you the limitations of your rights in your own health moving forward. It doesn’t speak as to the limited network they operate through, or the fact that the BEST doctors in the fields DO NOT ACCEPT MA plans!!! The entity you decided to ensure with can decide whether to allow a surgery or deny it, or require you to go through more tests while your health declines. This builds stress! And stress hurts organs and bodily operation, and unfortunately truly kills. Also, most MA plans DO JOT travel with you, or make you jump through hoops in order to prove you have coverage. Remember, you have to be in Network!
So do want to give up your freedom and control of your health? Do you care if you travel - even out of county - that you may be in a Non-Network, no coverage zone? Do you want to give someone else the authority to decide if you will have a needed surgery or not? Is that grocery card worth it? 
They have you focused on 1 thing that is less important, than where the real focus should be. It’s like a magician!!! So don’t be tricked!

Don Hudson · Answer

Medicare Advantage Plans are not free nor will they ever be. You still have to pay your Medicare Part B (2025) is $185 per month, Deductables, Copays and Co Insurance. Do not believe all the misleading ads on TV.

Robert Pennington · Answer

“FREE” Medicare Advantage Plans mean that private insurance companies don’t charge a monthly premium.  While these plans are advertised as free, you still have to pay the standard out-of-pocket costs, including deductibles and co-payments.  You still have to pay the Part B premium directly to Medicare.

Rick Boyd · Answer

Medicare Advantage plans may have zero monthly premiums, yet they are not free. There are copays for some doctors and most specialists, copays or coinsurance for some procedures, hospital stays, and or nursing home stays to name a few.

Gus Karigan · Answer

Medicare Advantage plans can have a $0 premium, but they’re not zero-cost. You’ll still pay your Part B premium and out-of-pocket costs as you go. The key is understanding when and how you’ll pay — rather than being swayed by the “free” label.

Pauline Weiland · Answer

Nothing is free. There is no extra premium you need to pay for most plans. 
As long as you pay your Part B Premium to Medicare monthly you should be able to find a no cost Advantage plan. There are some plans that have nominal monthly premiums.. And you will likely have co-pays for many services on the plan, if not all the services.

John Zentner · Answer

While many Medicare Advantage plans have "Zero Premium", they are not "free" in that they do come with certain copays and out of pocket expenses that require some costs in most cases.  While for many, they are the best way to go for coverage and protection, I like to always educate my clients on all options that could best be of benefit for their unique circumstances and needs.

Juan Beraldi · Answer

Certain Medicare Advantage plans may have a zero premium, but they are not truly “free.” The premiums for these plans are directly paid to the insurance company selected by the member by Medicare.

Tony Hardwick · Answer

Medicare Advantage plans come with a $0 monthly premium. It does require co-pays for some services. Depending on the level of assistance, some clients may qualify for a plan with $0 monthly premium and $0 co-pays, but that is determined by the level of assistance the client is qualified for.

Christine Brewer · Answer

Medicare Advantage plans marketed as "free" often refer to a $0 premium, but this doesn't mean there are no costs associated with the plan. Members may still face copayments, coinsurance, and deductibles, making it important to review all potential expenses.

Jason Kirschner · Answer

Medicare Advantage plans are not truly free. While some plans have $0 premiums, there are still other costs to consider, such as deductibles, copayments, and coinsurance

Christine Itami · Answer

Most Medicare Advantage Plans do have a zero premium, however beneficiaries pay copays for the majority of services up to $10,000 annually, so NO they are not free.  Costs for hospitalization are steep, imaging and other major services carry hefty copays.

Connor Abel · Answer

They’re called “free,” but it’s kind of like getting a free cruise and then realizing drinks, meals, and excursions cost extra. Most plans have a $0 premium, but you’ll still pay out-of-pocket when you actually use the plan—so it’s not nothing, it’s just not upfront.

Gary Church · Answer

No, nothing is free!  It's how they package their plans. If you have little or no health issues, a free MA plan looks great. The insurance company is managing your healthcare. If you experience a life-changing event while on an MA plan, it could result in thousands of dollars in copays and deductibles.

Christy Jones · Answer

Medicare Advantage plans are not “free “. It’s a different way to pay for your health services. Some Medicare Advantage plans have a $0 premium per month. When you use the services you may or may not have a co-pay. Medicare Advantage plans are state specific as well as county specific.

Kristen Skinner · Answer

If the premium on the Medicare Advantage is $0 then indeed that Medicare plan is zero. However, you still have to pay for Part B premium with Original Medicare.  To get an Advantage plan you have to have Part A and Part B .

Margaret Brown · Answer

Medicare Advantage plans are not “free”. There are plans that have $0 premiums and plans that do cost a premium. It depends on the service area and what plans are within that service area.

Shannon Mayfield · Answer

While there are no "free" plans, there are some with a $0 premium.  The premiums and benefits are reviewed and updated each year by CMS and the insurance companies.  It is important to compare features and more importantly your unique prescription and medical needs when finding a plan that will work best for you. Premium is one of several factors to consider when selecting a plan.

Earl Poole · Answer

Medicare Advantage plans have a $0 Monthly premium. There are copays and/or coinsurance for many services. But you also get preventative services at no costs as well as extras like fitness center access. If you hardly ever get sick then your costs will be very low. Its more of a "pay as you go" plan.

Gus Kinnie · Answer

Some Medicare Advantage plans have a $0 monthly premium. This means you don't pay a regular monthly fee just to be in the plan. You almost always have to still pay your Medicare Part B monthly premium.

Vicki Farley · Answer

There are costs to the Medicare Advantage plans. The Part B premium is still taken out of your SSI. There are out of pocket costs for the Deductibles with hospital stays, and prescription drugs, along with Co-Pays for hospital, prescription drugs or out of network providers.

Tonya White · Answer

We dont' say free.  There are Medicare Advantage plans with a $0 monthly premium.  There are various copays and coinsurance in the plans.  You'll want to review all your plan options and review the plan Summary of Benefits.

Mitch Winstead · Answer

Some have a zero cost for the premium each month for the actual policy. However, the services you use like doctors visits, specialist's and outpatient visits are not free.  There is a co-pay.  If you get sick and have go into the hospital, some advantage plans only cover a certain amount of days.

Mike Alexander · Answer

No they are not free, when you elect enrollment in an Advantage,  Medicare sends you Medicare money to the advantage plans who is then responsible to pay all your bills, not meficare,
Carriers get from 800 to 3000 per month for each person who elects an Advantage plan, and Medicare is not responsible for you treatment, the carrier is

Nancy Courser · Answer

Many Advantage plans have a zero premium.  You still pay the Medicare Part B premium to Social Security.  It is anticipated in 2027 that there will be some plans that move from a $0/month premium to a $$ amount.

David Wiley · Answer

Most have a $0 monthly premium, but you must have Part A & B of Medicare to have an Advantage plan & Part B has a monthly premium to be paid to Medicare.  The government subsidizes Medicare Advantage plans and the money paid to an insurance company is then applied to providing you, the insured, benefits.

Sandy Johnson · Answer

A large number of Medicare Advantage Plans have no Premium, but they are not free.  They have copays for certain services that align with the plan, as well as a Maximum Out of Pocket amount.

Marie Terhune · Answer

Several Medicare Advantage plans have a zero monthly premium, but you should remember that you will still need to pay your Medicare Part B premium each month in order to be eligible for a Medicare Advantage Plan such as these.

Harold Randolph · Answer

They have zero dollar premiums on most. Being free is a matter of perspective. You will still need to understand what your costs are, ie copays, deductibles and Coinsurance. A good broker can help you field these questions at no cost as well.

Jack Mayer · Answer

Most Medicare Advantage Plans have no monthly premiums however there are deductibles, co-pays and co-insurance so it is important to understand that with Medicare Advantage Plans there will be some out of pocket or share of cost. Medicare Advantage Plans are Network plans so if the policyholder stays in Network their is minimal out of pocket.

Brenda Skasko · Answer

The majority of Medicare Advantage plans do not charge an upfront premium. However, there are (possible) medical and prescription deductibles, plus co-pays for various medical services and prescriptions.  It is critical to review the Summary of Benefits with a licensed agent/broker, to not be “tricked” or lead with advertising that can be very deceptive.

Roberto Alvarez · Answer

There are many Medicare Advantage plans that have a zero dollar monthly premium that include extra benefits such as dental, vision, and hearing at no additional cost. It is always best to learn all the options available to you every annual election period. You may even qualify for a special enrollment period during the year.

Derek Arnold · Answer

Not all Medicare Advantage plans are free, different plans have different premiums, but the one that are $0 a month are that way because Medicare pays the insurance company with the part B premium that comes from the client.

Justin Lucas · Answer

While some Medicare Advantage plans may not have a month premium to them, I would not call them free. You might not have a upfront or monthly premium but you typically have co-pays for your services.

Kathryn Zekas · Answer

Well, in some areas there is no additional Monthly Premium to enroll onto a Medicare Advantage Plan, which is wonderful! You still have to pay your Part B Medicare premium, but here in NE Florida, we have many Advantage Plans that have a $0. Monthly premium!

Kim Mitchell-Hargis · Answer

Some Medicare Advantage plans have a $0 premium... we as agents are not going to tell you they are free.  There is no premium.  
Some plans do have a premium.  All states and all insurance carriers offer different plans and different premiums.

Samantha Jones · Answer

It is true that most Medicare advantage plans do not cost you anything out of pocket, but it is not 100 percent free. You will have co-insurances and co-pays for doctor's appointments and additional services

Shannon Brenneke · Answer

Medicare Advantage plans have a $0 premium cost to clients as they received funds from the Federal Government when you enroll in a Medicare Advantage plan. The Government provides these funds to the insurance company in return for the Insurance company taking over the full administration of your Medicare A&B benefits.

Rhonda Byers · Answer

Medicare advantage plans, most have a zero premium, or no monthly cost. Most plans come with co-pays and coinsurance. So, they are some out of pocket cost. Which does not make them Free.

Michael Martin · Answer

Many Medicare advantage plans are free, some are not. Everyone must pay the Medicare part B premium however, this is unavoidable unless you qualify for extra help or Medicaid.

Dustin Haffner · Answer

Medicare Advantage plans are not free.   “$0 premium” is real—but incomplete meaning you must pay the Medicare part B premium..  Total cost depends on how much care you use.  The risk shows up later, not monthly.

Mel Stevens · Answer

Nothing is free.  Most Medicare Advantage HMO plans are a Zero premium.  However, plan benefits can vary quite a bit from plan to plan and from one provider to the next.

Maxine Rosen · Answer

This is what confuses Medicare Members.  Is Medicare Free? No.  Because to be eligible for plans, a member must pay the cost for Part B to Social Security, or if currently collecting Social Security income, the cost is deducted from their income. 

Many Medicare “Advantage Plans” have a $0 premium. But that is separate and outside of what is paid to Social Security.

Casey Peterson · Answer

There are Medicare Advantage plans that have a $0 monthly premium but you will pay co-pays for things like specialist visits or hospital stays. So while they aren't "free", if you are healthy and do not need regular medical services outside you normal check-ups with your PCP, a $0 premium MA plan can save you money.

Answered by James Stang on September 24, 2025

Agent Licensed in OH

James Romeo · Answer

Well nothing life is "free" you already know that is not true.  How ever there are plans that arr no addition cost to you.  How I explain is $0 or zero dollar plans per month are no more monthly cost paid to the insurance companies than what you are already paying for Original Medicare.
Then these plans do really have cost to them in the form of Co-Pays, Co-Insurance and Max Out of Pocket.  But "free" is relative and can be explain better as no additional cost to over what you are paying for Original Medicare.  This can be a complicated questions and depends on a lot of factors if these kinds of plans are a good fit for you.  Contact us to see if a $0 premium plan is a good fit for you!

Peter Joseph · Answer

They have no premiums but you are still at times having max out of pocket costs, co pays and still paying for the part B premium for Medicare.

Abigail Turner · Answer

Nothing worthwhile is free and that certainly goes for your insurance. In the world of Medicare, $0 premium does NOT mean free. There are going to be costs for services received while on a Medicare Advantage plan. However, the $0 premium does mean you will only pay for services when you need them, as you need them, and not automatically every month. 

As a general rule, if it's marketing, proceed with caution! An independent agent can help you see through the "noise" of marketing and get to the real info that matters.

Mark Murphy · Answer

Free is not a term we are allowed to use to describe Medicare Advantage plans, but, yes, there are a number of $0 premium plans out there that may fit your needs.  Plan choices vary by the county you live in.

Patrick Stinson · Answer

There are several Medicare Advantage plans with a zero dollar premium that include; dental, vision, hearing and a presciption drug plan. Some even have a part B buyback where they will actually give you money towards your part B plan. It mainly depends on what's available in you zip code. I hope this helps!

Steven Guiness, CSA · Answer

Instead of saying free, let say that some advantage plans have a zero monthly charge. so enrollee would not pay a fee. but the do have co-pays, co-insurance, and a maximum out of pocket amount, per year.

Michael Turkaly · Answer

Medicare Advantage plans are not free, some offer zero premium. Please remember that you must pay for your Part B, which is $185 for 2025.

Todd Poe · Answer

Some Medicare advantage plan have no premiums, but you have to have Medicare A and B.  For most people Medicare part B has a monthly premium.  However, some plans do give you a monthly discount on Medicare part B.

Robert Lukasik · Answer

Many Medicare advantage plans offer zero premium plans. This is not a scam. Carriers are subsidised to facilitate your health care. This is how they are able to offer zero premium plans.

Sharri Crawford · Answer

The insurance companies themselves on most plans have a $0 monthly cost.
Medicare consumers still are required to pay their Part "B" premium.  Medicare usually deducts this out of your social security check monthly before you get your check.

Dianna Howell · Answer

There are plans that have a 0 premium to choose from.  However, when an insured uses the plan: such as going to a specialist; to the hospital; some lab work and Xray's do have co-pay, some prescription drugs will have a co-pay.  However, many of the covered medical expenses have a 0 cost to them as well.

Robert Evans · Answer

Medicare Advantage plans are not free. They may have no monthly premiums but you still are required to pay your monthly Part B premium.

Elizabeth Henderson · Answer

This is a trick question for Medicare Agents... haha!  The Plans are not truly ever "free".  If you are paying a $0 premium, then you are probably paying higher copays, deductibles, and co-insurance.  You are still also paying for Part B, which is affected by IRMAA.

Brian Williams · Answer

Some Medicare Advantage plans have a “zero” monthly premium.  Plans vary in features and premiums and one size does not fit all. It is helpful to do a side-by-side comparison to see the difference in each plan.

Aaron Green · Answer

There is nothing clever in being misleading.  As a broker I am contracted with many carriers.  I don’t sway toward supplements or Medicare Advantage.  It is really an individual assessment.  There are MA’s with no monthly premium, but as with all Advantage plans you carry the copays of services that a supplement might take care of.  It is a matter of where you want to budget your health care.

Adam Ashby · Answer

The confusion that people run into is the process.  Remember, you have paid for Medicare Part A through employment deductions you working life and you then pay for Medicare Part B as you start to enjoy Medicare coverage.  That money is given to Insurance Carriers to then find a way to manage care in a way that they can be profitable.  It is a different experience from Medicare Supplement - but based on choosing a plan that meets your needs can be exactly what you need.

Maureen Gildea · Answer

They oftentimes have zero monthly premiums but also have copayments due when using the plans.   See the Plan benefits.   Pay close attention to the Max OOP.  Also recommend using a licensed professional to assist in Plan options.   Not a one size fits all choice.

Angela Schubkegel · Answer

At this time and in certain locations there are options for Medicare Advantage plans that do offer zero premium and zero deductible in 2026. For those plans you will have co-pays for certain services. They also offer max out of pockets for the medical services covered by medicare.

Michelle Schaefer · Answer

Many Medicare Advantage plans have $0 premium. It is helpful to have a local agent who can explain the differences in the various policies and their premiums.

Fran Lovelace · Answer

Many Medicare Advantage plans do not have a monthly premium.  However, you share in the costs in the form of copays or coinsurance.  This is how you are able to have no or a low monthly premium.

Ross Landon · Answer

No Advantage plans are definitely not free, even though some  with Seniors do not have to pay a monthly premium.  Most of the services require either copayments or co-insurance % payments, or both.   Some preventive services are low or no cost, but most have some cost to them.  Still, they are a great value, especially if seniors are in pretty good health!

Eric Palmer · Answer

There’s always a cost some where.  When you have Medicare A and enroll in Part B (that cost), that allows you to have a Medicare advantage plan. Then Medicare pays the health insurance company to manage your health care for you. The advantage plans are created for folks who can’t afford the high monthly payment of a supplement.

Lt Col Tim Brown · Answer

Medicare pays MAPD’S to come up with plans that must be as good as Medicare or better. However I’ve not seen one that isn’t better than original Medicare. The MAPD’s pay claims and administer the plans.  I only provide the plans for clients that have no premium. I’m on one myself and mine pays $174.70 of my Part B premium.  I pay zero in premium. So yes there are many plans that are zero premium. There are plans that do have premiums.

Rene Apack · Answer

Medicare Advantage plans are paid from our deposits into Medicare during our working years. So, to be clear, all Medicare Advantage companies are paid from our money.

Each carrier may change its plans every year to attract and reduce the number of clients it has in the different plans. Some plans leave the marketplace, and insurance companies create new ones.

In order to attract clients, Medicare Advantage companies include dental, hearing, vision, and over-the-counter benefits, but some even back money toward the Medicare Part B premium (tax) that the policyholder pays every month.  

Best wishes,
Rene Apack

Darnel Brown · Answer

Medicare Advantage plans are not free. But there are plans that have 0 premiums. But there will be copays and coinsurance cost, as well as RX copay. They may also offer extra benefit that original medicare do not offer

Ryan Ross · Answer

Medicare Advantage plans may sound "free", but they are not really free. You will still need to pay for co-pays and/or your Medicare Part B. It just means there is no extra cost to join the plan.

Darko Bozic · Answer

Most Medicare Advantage plans, not all, are free. Zero monthly premium and there is no catch to that. These private plans get paid by the government to take you on as a client. They come with extra benefits that the original Medicare does not have. With the Advantage plans you agree to use the providers who are in network as oppose to the original Medicare which is accepted by a larger number of providers.

Gary Wiedemann · Answer

Many Medicare Advantage plans do not charge a premium.  The insurance companies make their money by Medicare paying them a fee to manage your insurance each year.  If you like your Medicare Advantage plan, you can usually keep it year after year.  Or you can switch to a different Medicare Advantage plan during the Annual Election Period (AEP) between October 7th and December 15th.

Rick Balistreri · Answer

Most Medicare Advantage Plans will have a $0 or very low premium. You will be responsible for paying your Part B Medicare premium.

Darlene Murphy · Answer

Is anything 'Free'. Not really, but they may have a no monthly premium cost. Biggest thing to be aware of is the out-of-pocket expenses that are related to certain services rendered.

Dana Dane · Answer

Some Medicare Advantage plans have a $0 monthly premium.  Medicare Advantage plans are subsidized by the government.  Legitimate advertising must be approved by Medicare.

Jessica Breland · Answer

Nothing is free. Medicare Advantage plans do offer plans with a zero monthly premium, but there are other costs associated with those plans. I strongly advise you to find a local agent you can trust that can explain these plans, in detail, before enrolling in one.

Barbara Bolden · Answer

No - not all plans are "free"! There are some Medicare Advantage plans that have a monthly premium, and others are zero-premium plans. The type of plan a client chooses is based on their specific needs and preferences!

Tasha Riggs · Answer

Yes a majority of Medicare Advantages are free. 
Medicare advantages you pay a copay as you use it.
Many of them come with dental, vision, hearing, over the counter items, and some healthy foods!!

Cody Brown · Answer

Medicare Advantage plans are not free. Some plans have a premium and some have no premium. Either way they are funded by tax dollars, so you have been paying into it your whole working life.

Rosanne Thompson · Answer

Medicare Advantage does offer plans with a premium that may be  0. However, there may be deductibles or copay fees.

Ray McCauley · Answer

several carriers offer zero premium plans for medicare advantage plans. they can do this because they get paid by medicare to coordinate your medical care

Payal Acharya · Answer

Many Medicare advantage plans have Zero premium plans. but still have copay’s , deductibles. It varies by plan

Suzanne Lamperti · Answer

Medicare Advantage Plans aren't free. One pays for the plan in many way. If no premium, then one pays higher co-pays and higher service fees.

Michael Kim · Answer

They have $0 Monthly premiums. The word "free" is not used, their is no monthly premiums on most Medicare Advantage Plans. Most have low or 0 copays on services.

Ken Banks · Answer

Majority of the plans are no cost to you. Some plans may have a premium but many will not. Always make sure that question is answered before you enroll in a plan.

Bonnie Beliveau · Answer

Medicare Advantage plans typically have $0 premium but to say they are really "free" is a bit misleading.  There are pros and cons to having a Medicare Advantage plan vs a Medigap plan and it's best to speak with a qualified Independent Health Insurance Broker to get the proper education so you can understand the good, the bad, and the ugly of both options.

Kirk Harper · Answer

"Free" is not a word that should be used when referring to Medicare products.  Many plans have no premium cost but have out-of-pocket expenses that a Medicare enrollee may incur.

James Wareheim · Answer

Some plans are and some plans are not.  Some have premiums and some don't.  It's important to sit with your advisor and go over the options so you can decide what works best for you.  Every year the plans can change somewhat, it is good to review them at open enrollment.

Michael Murray · Answer

Medicare Advantage plans for the most part are paid for with your Part B premium, which comes directly out of your Social Security check.  The plans that have a premium have other benefits that need to be assessed by the agent with the person that is needing coverage.

Stacy Cogar · Answer

The majority of Medicare Advantage plans have a zero monthly premium, however there are some out there that do charge a low monthly premium.

Tim Roberson · Answer

Most of them are a no cost plan, up front, by that I am saying when you need them there may be cost associated with them, such as copays and a certain amount you would owe the hospital.

Michael Pyers · Answer

They are not free.  You have to pay copays for just about everything and sometimes have a very large out of pocket!  So, if you never get sick, they might be a money saver - God forbid if you develop a major illness!

Gary Henderson · Answer

It's just clever marketing. They can bankrupt you if you have a long illness like cancer. They have high max out of pocket costs per year

Jaye Maxx Alexander II · Answer

Medicare Advantage plans are not free! They are zero dollar cost up front, but there are co payments and co-insurance associated with these plans. It is a clever marketing ploy.

Lyle Affleck · Answer

You're right. It's all about the marketing. $0 plans are enticing, but it is important for you to understand what you are out of pocket costs are going to be when using those plans. Meet with a medicare professional that can walk you through your options and give you the right education, so you can make informed decisions about your health care.

Daniel Matar · Answer

Many Medicare advantage plans are available with no additional monthly premiums in addition to your Medicare part B premium

Paula Duffy · Answer

Depending on your income you can receive Medicare Advantage plans for "free".

Medicare Advantage Plans can be "free" as far as the premium but you may be subject to copays for certain procedures.

Carol Thompson · Answer

I prefer to not use the word “free” but rather  “at no cost or zero co-pay”.  Since plans can vary from state to state or county to county.  However, there is always the Part B cost.

Jim Willis · Answer

They’re not really free as there are copays and deductibles but they’re still cheaper than supplements in the long run

Danielle Moody · Answer

Most of them are free, in addition to your Medicare Part B premium that you are ready paying and most of them offer many more benefits that original Medicare doesn't cover.

Geney Ruesga · Answer

Some have an O Premium, but you do have copays and a maximum amount to meet yearly before you receive no cost sharing

Deborah Webster · Answer

They are not "free" plans, these plans are a pay-as-you-go plan. They do offer benefits that original Medicare does not offer, such as coverage for Dental, Vision, and hearing.

Joseph Tretola · Answer

No, you must have Medicare Part B and continue to pay your Part B premium in order to be eligible for a Medicare Advantage Plan.

Jacquie Wolf · Answer

Nothing is Free, but there are many $0 premium plans available that might be a good fit for you. It all depends on your needs and budget.

Charles Borg · Answer

They are not free. They do have clever marketing and lots of people believe it. Most of them don’t realize that they are giving up real Medicare for an HMO.

Allison Chapman · Answer

Most plans have a $0 premium, not all of them. With that being said they do have co-pays and costs associated. Would love to chat more if you have questions. Contact me.

Anniessa Anderson · Answer

The biggest misconception I run into is that Medicare covers everything at no cost. Every year I remind people there are still deductibles, copays, and limits — and that’s why it’s so important to review your plan each year.

Angie Templin · Answer

Your Medicare Part B premium helps to cover your Medicare Advantage plan, so carriers can offer plans at no extra cost to you.

Robert Remin · Answer

None of the carriers I work with state their plan is free. A zero premium plan does not mean one has zero costs for the plan year. My clients and the non licensed Medicare professionals that work with them have all this explained in detail to them by me so we can make an educated decision on which plan or plans will be most appropriate.

Daniel Keenan · Answer

The correct term is “Zero Premium”.  Also. MAPD means the Medicare Advantage plan has a Part D included with “Zero” Premium.

Billy Pruitt · Answer

Although Medicare advantage plans are marketed with a zero premium, they still have co-pays and could get expensive in a long run. Not one Medicare plan fits all do what is right for you.

Lea Vollmer · Answer

Nothing is free; it is that your Medicare taxes prepaid your Medicare Part A premiums, if self self-employed, you will pay for Part A if you did not pay your SS taxes. And you pay a Medicare Part B premium every month, which most people have deducted from their SS check.

Brian Loquist · Answer

While the Medicare Advantage Plans are premium-free, they are not the right fit for everyone. They certainly have their place in the Medicare space, but this is why you need to consult a professional.

Jennifer Dixon · Answer

We agents never use the word "free" when working with clients that is very misleading.  All plans do have a cost involved and should be reviewed with each client that an agent works with to make sure they understand.

Terrie Boteler · Answer

Some Medicare Advantage plans have a zero premium, but this varies by county. I'm happy to answer questions about plans in your area.

Eizel Mere · Answer

Most Medicare Advantage plans are $0 monthly premium. There are advantages and disadvantages to every plan, it is important to make a knowledgeable decision your first year in Medicare.

Al Saponar · Answer

Medicare Advantage plans require Medicare part A and part B for eligibility.

They use the part B premium funds to give clients a better plan, and more benefits than original Medicare itself.

Lisa Gable · Answer

Medicare Advantage plans are not always free. However, my services to help the potential member find the best plan for their needs, are always free and no cost to them.

David Moscowitz · Answer

Some Plans have no monthly premium costs, to the members and some do depending on the plan you are applying for. For instance a PPO plan or an HMO plan. you need to talk to an agent.

Robert Baez · Answer

Medicare Advantage Plans for the most part do not have premiums, copays for preventive care, and in some cases, prescriptions may also be covered.

William Scott · Answer

Not so much as "Free". In fact we're encourged to not use the word "free" in our presentations about health plans offered by carriers. There are plans available that are of "no cost" to consumers and then there are others with limited cost. It all depends on what an indiviual would qualify for.

Rachael Metcalf · Answer

There are plans that are Zero Premium ($0). So yes, you can get a zero monthly premium plan.
The clever marketing comes into play when I hear the commercial saying, " If you have Medicare you are entitled to received $4300 back...." etc.  Always have a local agent who is looking out for you.

Sunil Bhawnani · Answer

That should not be the way of marketing.  Advantage plans could be $0 premium plans but are not entirely "free".

Aaron Solomon · Answer

I tell clients that there is nothing "free" in life. When you are thinking about either a Supplement or a MAPD plan, chose the plan you are most comfortable for you. There is no wrong answer. The plan should make you feel confortable about your health cover.

Angela Olson · Answer

Nothing is free! It's important to know and understand how each plan is different and determine which one best suits your individual needs.

Daniel Young · Answer

They are paid for by your Medicare part B premium, which you have to pay anyway. So no additional cost to you.

Nora Alishahi · Answer

Medicare Advantage are free! As long as you have your partA & B active you can qualify for Medicare Advantage

Jonathan DuPree · Answer

YES, They are ABSOLUTELY FREE. I can show you how it all works as well. Choosing the right plan is important. They also have cash benefits for personal things like bills and food. Reach out to me anytime, -Jonathan  DuPree.

Diana Salisbury · Answer

How does losing a spouse impact my Medicare plan if I was on their employer plan    Most importantly, you will have to check with the employer to see if insurance is still being offered to you.  If not, there are a number of options to explore.  Give me a call and we will review all options keeping you insured.