The other 6 plans charge between $9 and $173 a month for 2027. In 2026, 43 of 50 plans had a $0 premium. Among the 62 Special Needs Plans, which are counted separately, 51 have a $0 premium. The Part B premium is $202.90 a month in 2026; the 2027 amount has not been published yet, and CMS normally announces it in the fall, ahead of January.
| Plan type | Plans | With a $0 premium |
|---|---|---|
| HMO | 23 | 23 |
| HMO-POS | 4 | 4 |
| PPO | 12 | 10 |
| Regional PPO | 5 | 1 |
| All Medicare Advantage plans | 44 | 38 |
| Special Needs Plans, counted separately | 62 | 51 |
What $0 actually means
A $0 premium is the plan’s own monthly charge, Part C and Part D together. It sits on top of the Part B premium, which you keep paying in every Medicare Advantage plan. It says nothing about what you pay when you use care: copays, coinsurance, the drug deductible and the out-of-pocket maximum all differ between $0 plans. Among Broward’s $0 plans the in-network maximum runs from $750 to $9,250 for 2027, so two plans with the same $0 premium can leave you facing very different worst-case bills.
Why some plans charge more
All 6 plans with a premium are PPOs, 4 of them regional PPOs, which let you use providers outside the network at a higher share of the cost. Every HMO and HMO-POS plan in Broward has a $0 premium for 2027. A premium can buy a wider network; whether that is worth it depends on how often you see doctors, and whether the ones you see are in an HMO network.
What to do next
Start from your doctors and your prescriptions, not the premium. Check each $0 plan’s network and its 2027 formulary, then compare the out-of-pocket maximum and the drug deductible, which is $700 on 13 of the 38 $0 plans. A $0 plan that covers your drugs poorly can cost more over a year than a plan with a premium. Annual Enrollment for 2027 coverage ends December 7, 2026.
Read the full guide: Every 2027 Medicare plan in Broward County
Related questions
Do I still pay the Part B premium with a $0 plan?
Yes. You pay the Part B premium whichever Medicare Advantage plan you choose. It is $202.90 a month in 2026, and the 2027 amount has not been published yet.
Is a $0 plan worse than a plan with a premium?
Not as a rule. The premium is one part of how a plan is priced. Compare the network, the drug coverage and the out-of-pocket maximum instead of reading quality into the price.
Are there $0 stand-alone drug plans in Florida?
No. None of the 11 stand-alone Part D plans offered in Florida for 2027 has a $0 premium. In 2026, 2 did.
Sources
- CY2027 Medicare Advantage / Part D Landscape Source Files — Centers for Medicare & Medicaid Services · 2026-09-28 · read 2026-10-30
- CY2026 Medicare Advantage / Part D Landscape Source Files — Centers for Medicare & Medicaid Services · 2026-03 · read 2026-10-12
- Costs — Medicare.gov (CMS) · read 2026-10-30
- Joining a plan — enrollment periods — Medicare.gov (CMS) · read 2026-10-13
This page explains published rules and figures, with the source for each one. It is not advice about your own situation.