How many Medicare Advantage plans in Washington have a $0 premium?

56 of 124 plans charge no monthly plan premium for 2026, based on CMS plan data. Which plans you can join depends on your county, so check the plans at your ZIP code on Medicare.gov Plan Finder. Benefits vary by plan and location.

Who can join a $0-premium plan in Washington?

Anyone with Medicare Part A and Part B who lives in the plan's service area. Some $0 plans are Special Needs Plans with extra eligibility rules. Benefits vary by plan and location.

When can I switch to a $0-premium plan?

During Open Enrollment, October 15, 2026, to December 7, 2026. Coverage starts January 1, 2027. Outside that window you need a Special Enrollment Period, or the January 1 to March 31 window if you are already in Medicare Advantage.

Washington · $0-premium plans

$0 Premium Medicare Advantage Plans in Washington (2026)

56 of 124 Medicare Advantage plans in Washington (45%) charge no monthly plan premium for 2026.

Plan year 2026Data as of September 2026

These plan figures are for 2026, the latest plan year in our data. Plans, premiums, and benefits for 2027 can differ. Compare 2027 plans on Medicare.gov Plan Finder before you choose.

The short answer

56 of 124 Medicare Advantage plans in Washington (45%) charge no monthly plan premium for 2026.

44 of the $0-premium plans are not Special Needs Plans, so people with Medicare Part A and Part B can join them if they live in the plan's service area.

$0-premium plans: 56
Share of plans: 45%
Plans checked (2026): 124
$0-premium plans that are not Special Needs Plans: 44
Median monthly premium across all plans: $0.70

About $0-premium plans

A $0-premium Medicare Advantage plan charges no monthly premium of its own. You still pay your Medicare Part B premium, and you still pay copays, coinsurance, and deductibles when you get care, up to the plan's yearly out-of-pocket limit.

What to check before you choose

A $0 premium does not mean low total cost. Check the out-of-pocket limit, copays for the care you use, and whether your doctors are in the network.
Check whether the plan includes Part D drug coverage and whether your drugs are on its list.
Some $0 plans are Special Needs Plans open only to people with Medicaid, certain chronic conditions, or who live in a facility.

More on Medicare Advantage in Washington

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Key dates

Plans mail an Annual Notice of Change by September 30. Read it before Open Enrollment: it lists what your plan changes next year.

October 15, 2026 – December 7, 2026: Open Enrollment for 2027 coverage. Join, switch, or drop a Medicare Advantage or drug plan.
January 1, 2027: Changes made during Open Enrollment take effect.
January 1, 2027 – March 31, 2027: Medicare Advantage Open Enrollment. If you are already in a Medicare Advantage plan, you can make one change.
December 8, 2026 – November 30, 2027: You can switch once into a plan with a 5-star overall rating, if one is sold where you live.

Free, unbiased help in Washington

Medicare.govMedicare Plan FinderEnter your ZIP code to see every plan sold where you live, with premiums, drug costs, and star ratings.SHIP National Technical Assistance CenterFind your State Health Insurance Assistance Program (SHIP)Every state has trained SHIP counselors who give free, one-on-one Medicare advice and do not sell insurance.

You can also call Medicare at 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), 24 hours a day, 7 days a week.

Other senior benefits in Washington

Frequently asked questions

How many Medicare Advantage plans in Washington have a $0 premium?: 56 of 124 plans charge no monthly plan premium for 2026, based on CMS plan data. Which plans you can join depends on your county, so check the plans at your ZIP code on Medicare.gov Plan Finder. Benefits vary by plan and location.
Who can join a $0-premium plan in Washington?: Anyone with Medicare Part A and Part B who lives in the plan's service area. Some $0 plans are Special Needs Plans with extra eligibility rules. Benefits vary by plan and location.
When can I switch to a $0-premium plan?: During Open Enrollment, October 15, 2026, to December 7, 2026. Coverage starts January 1, 2027. Outside that window you need a Special Enrollment Period, or the January 1 to March 31 window if you are already in Medicare Advantage.

Sources and method

Source: CMS Medicare Advantage plan data, 2026 plan year

Built from the CMS Medicare Advantage landscape, Plan Benefit Package, star rating, and monthly enrollment files. Plan figures are for the 2026 plan year. Enrollment data as of September 2026. Each plan counts once statewide, even when it is sold in many counties. Employer group plans are left out. CMS hides enrollment counts of 10 or fewer, so shares can add up to a little under 100%.

About this page

Senior Deal Club is not affiliated with or endorsed by Medicare, the Centers for Medicare & Medicaid Services (CMS), or any government agency. This page is educational. It is not an offer of insurance and does not recommend a plan.

Plan and enrollment figures on these pages come from public CMS data and cover every insurer in that data, listed in a neutral order. Not all plans offer all benefits. Benefits, premiums, and costs vary by plan and location, and limitations and exclusions may apply.

For information on all of your options, contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), or your State Health Insurance Assistance Program (SHIP).

Senior Deal Club may be paid when visitors to other parts of this site speak with licensed insurance agents. That does not change the figures here. See our editorial policy.