By the Kryder Cares data team · Reviewed by Kris Kryder, licensed agent · Last updated
A $0-premium Medicare Advantage plan has no monthly premium of its own, but you still pay your Medicare Part B premium, plus copays or coinsurance, a drug deductible of up to $700 in 2027, and up to the plan’s yearly out-of-pocket maximum. For 2027, CMS lists 43 plans with drug coverage and a $0 premium in Wood County and 45 in Lucas County (CMS CY2027 landscape).
This applies to Medicare Advantage plans with drug coverage in Wood and Lucas County for 2027. “$0 premium” describes the plan’s own monthly charge, not your total cost for the year.
How it works: what $0 covers and what it leaves out
A Medicare Advantage plan (Part C) replaces Original Medicare with a private plan. “$0 premium” means the plan does not charge a monthly premium on top of what you already pay Medicare. You must still keep paying your Part B premium (the standard premium was $202.90 a month in 2026; CMS had not published the 2027 amount when we pulled this data), and your plan can still charge:
- Copays or coinsurance each time you see a doctor, visit a specialist, use the hospital or fill a prescription.
- A drug deductible, up to $700 in 2027 for plans that have one.
- Up to the out-of-pocket maximum (MOOP), the most the plan lets you pay for covered care in a year, which differs by plan.
| County | Plans in 2027 | Plans with a $0 premium | Average out-of-pocket maximum |
|---|---|---|---|
| Wood County (Perrysburg, Bowling Green, Rossford) | 72 | 43 | $6,975 |
| Lucas County (Toledo, Maumee, Sylvania, Oregon) | 76 | 45 | $6,977 |
Source: CMS CY2027 Medicare Advantage and Part D landscape, including Special Needs Plans, pulled October 26 and 30, 2026.
What it costs you: the lowest-MOOP $0 plans for 2027
A lower MOOP protects you more if you have a bad year. These are the eight $0-premium plans with drug coverage that have the lowest out-of-pocket maximum for 2027 (Special Needs Plans left out). The same eight are offered in Wood and Lucas County. This is a starting list, not a recommendation.
| Plan | Carrier | Type | 2027 MOOP | 2027 Part D deductible | CMS rating |
|---|---|---|---|---|---|
| DEVOTED CORE 022 OH (HMO) | Devoted Health | HMO | $4,750 | $650 | 4.0 stars |
| DEVOTED CORE 001 OH (HMO) | Devoted Health | HMO | $4,900 | $650 | 4.0 stars |
| Perennial Advantage Freedom (HMO-POS) | Perennial Advantage | HMO-POS | $4,900 | $350 | Not rated |
| SummaCare Medicare Quartz (HMO) | SummaCare | HMO | $5,200 | $410 | 4.0 stars |
| MedMutual Advantage Elite Standard (HMO-POS) | Medical Mutual of Ohio | HMO-POS | $5,200 | $380 | 3.5 stars |
| DEVOTED CHOICE 001 OH (PPO) | Devoted Health | PPO | $5,300 | $650 | 4.5 stars |
| DEVOTED CHOICE 003 OH (PPO) | Devoted Health | PPO | $5,300 | $650 | 4.5 stars |
| MedMutual Advantage Elite Preferred (PPO) | Medical Mutual of Ohio | PPO | $5,300 | $300 | 4.5 stars |
Source: CMS CY2027 landscape with ratings as carried in the Brain county report, pulled October 26, 2026. Kryder Cares does not represent every plan listed. Every year, Medicare evaluates plans based on a 5-star rating system.
What to do next
Bring your doctor list and your prescriptions. Kris adds up your likely yearly cost in each plan, premium, copays, drug deductible and MOOP together, instead of ranking plans by premium alone, and enrolls you by December 7, 2026 for a January 1 start. You can also send your list through the Rx drug lookup form.
Sources
We do not offer every plan available in your area. Currently we represent 14 organizations which offer 119 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at www.medicare.gov.
This answer is general education, not a recommendation for any specific plan. Figures were current as of November 5, 2026.