How can my Medicare plan premium be zero dollars ($0) or have no premium?

How can my Medicare plan premium be zero dollars ($0) or have no premium?
Medicare Part A is free if you've worked at least 10 years and contributed to Medicare taxes. If you do not qualify under these guidelines, you can pay a monthly premium that is determined by your work history and employment quarters. 

This premium is also known as a "Notice of Medicare Premium Payment Due."

No Premium Medicare Advantage Plans 

Medicare Advantage plans offer the same, minimum coverage as Medicare Parts A and B. Private insurance companies offer Medicare Advantage plans through their own pricing, which are monitored by the Centers for Medicare & Medicaid Services (CMS).

Your Medicare Advantage plan may offer a low or $0 monthly premium, but you should be sure to review and understand other costs for which you may be responsible. For example, you may be responsible for prescription drug costs, copayments, coinsurance, and annual deductibles.

Experts recommend that you compare the costs of a Medicare Advantage plan with Medicare Part A and Part B before enrolling. 

Need Help Finding a Medicare Plan?

For help finding a plan, try our Medicare Cost Revealer to find a plan that fits your needs. If you have any questions, please contact Medicare anytime at 1-800-MEDICARE (1-800-633-4227; TTY users 1-877-486-2048).

Medicare True-Cost Revealer. Now you can see the real costs of each Medicare plan... before you buy it.

Helpful Hint

Find out what every Medicare plan really costs

Each Medicare plan covers different drugs, and re-imburses different amounts.

Until now, it was impossible to compare Medicare plans — to know how much you will really pay under each plan.

Medicare Helper is proud to introduce our Medicare True-Cost Revealer. Just tell us your drugs, and we’ll show you the "Everything Cost" for each plan — that is, the real cost of the plan through the year.

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How can my Medicare plan premium be zero dollars ($0) or have no premium?