Many Medicare Advantage plans have $0 monthly premiums. However, you still pay the Medicare Part B premium ($185/month in 2026). Medicare Advantage plans have cost-sharing in the form of copays, coinsurance, and deductibles. The maximum out-of-pocket limit is $9,350 in 2026.
Key Points
- Many Medicare Advantage plans: $0 monthly premium
- Still pay Part B premium: $185/month in 2026
- Cost-sharing: copays, coinsurance, deductibles
- Maximum out-of-pocket: $9,350 in 2026
- An independent agent can compare Medicare Advantage plans in your area