Many Medicare Advantage plans have a $0 monthly premium, but they are not completely free. You must continue paying your Medicare Part B premium, and you may have copayments, coinsurance, and deductibles when you receive care.
Medicare Advantage plans also include an annual out-of-pocket maximum, which limits how much you pay for covered services each year. Even with a $0 premium, healthcare costs depend on how often you use services and whether you stay within the plan’s provider network.