How many $0 Advantage plans are in Maricopa County in 2027?

That is about 75% of plans with no plan premium at all. A $0 premium plan still has copays, coinsurance and an out-of-pocket maximum, and you keep paying your Part B premium ($202.90 a month in 2026).

Maricopa County Medicare Advantage plans with a $0 Part C premium, 2027

Plan type	Plans	$0 Part C premium	Average in-network out-of-pocket max
HMO	29	28	$4,305
PPO	14	14	$6,046
HMO-POS	7	7	$4,564
Regional PPO	2	1	$6,575

Why so many plans have a $0 premium

Medicare pays each Advantage plan a monthly amount for every member. In large markets like Maricopa County, many carriers set the plan premium at $0 and recover costs through copays, networks and the out-of-pocket maximum. The difference between the two counts above is Part D: some plans charge a small drug premium even when the medical premium is $0.

What separates one $0 plan from another

The network, the drug list, the out-of-pocket maximum and the extras. Among Maricopa plans for 2027, out-of-pocket maximums run from $2,000 to $8,900, and 15 plans carry a 2026 star rating of 4 or higher. Some $0 plans have no drug coverage at all, which suits people with VA or other creditable drug coverage.

Pinal County has 45 plans with a $0 Part C premium out of 47 for 2027.

What to do next

Start with your doctors and prescriptions, then look at the out-of-pocket maximum, and only then at extras like dental or a Part B giveback. Our plan finder sorts 2027 plans by ZIP, and we can review the finalists with you in Chandler.

Related questions

Sources

1. CMS Medicare Advantage and Part D Landscape, Contract Year 2027 Centers for Medicare & Medicaid Services

Please note: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.