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

That is about 83% of the county's plans, not counting Special Needs Plans. 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).

Adams County Medicare Advantage plans by carrier, 2027

Carrier	Plans	$0 premium	$0 premium with drug coverage	Lowest in-network out-of-pocket max
Humana	9	7	6	$4,750
UnitedHealthcare	6	5	4	$3,900
Devoted Health	5	5	4	$4,450
Aetna Medicare	5	4	3	$5,000
Kaiser Permanente	4	2	2	$3,300
HealthSpring	2	2	2	$5,150
Select Health	2	2	1	$4,900
Anthem Blue Cross and Blue Shield	1	1	1	$9,850
Elevate Medicare Advantage	1	1	1	$9,850
Perennial Advantage	1	1	1	$3,500

Why so many plans have a $0 premium

Medicare pays each Advantage plan a monthly amount for every member, and many carriers set the plan premium at $0 and recover costs through copays, networks and the out-of-pocket maximum. In Adams County the remaining 6 plans charge a premium, the highest at $194 a month for 2027.

5 of the $0 plans have no drug coverage at all. Those suit people with VA or other creditable drug coverage; anyone else would need to think about the Part D late enrollment penalty.

What separates one $0 plan from another

The network, the drug list, the out-of-pocket maximum and the extras. In-network maximums on Adams County plans run from $3,300 to $9,850 for 2027. CMS published 2027 star ratings on October 8, 2026, but the figures on this page still use each plan's 2026 rating until our data snapshot is refreshed: 18 of the 2027 plans carry a 2026 star rating of 4 or higher. Check a plan's 2027 rating on Medicare.gov Plan Finder.

The choice also shrank: Adams County had 43 plans and 35 with a $0 premium in 2026, against 36 and 30 for 2027.

Worked example: $0 premium against a low cap

Two UnitedHealthcare HMO-POS plans in the 2027 Adams County file show the trade. One charges a $0 premium with a $6,900 in-network cap. The other charges $56 a month, $672 a year, with a $3,900 cap. In a quiet year the $0 plan wins by $672. In a year with a surgery that hits both caps, the premium plan costs $4,572 against $6,900, a gap of $2,328 in its favor.

Either way, the $202.90 Part B premium, $2,434.80 over 2026, comes out of your Social Security first. Humana and UnitedHealthcare field the most $0 plans in the county, and Kaiser Permanente offers both $0 and premium options.

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. Our plan finder lists 2027 plans by ZIP code, and we can review the finalists with you in Brighton before December 7, 2026.

Related questions

Sources

1. CMS Medicare Advantage and Part D Landscape, Contract Year 2027 Centers for Medicare & Medicaid Services
2. CMS Medicare Advantage and Part D Landscape, Contract Year 2026 Centers for Medicare & Medicaid Services
3. 2027 Medicare Advantage and Part D Star Ratings (CMS fact sheet, October 8, 2026) Centers for Medicare & Medicaid Services
4. 2026 Medicare Parts A & B Premiums and Deductibles Centers for Medicare & Medicaid Services

Please note: We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.Headwaters Health and Wealth is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.