Last updated: March 2026
How Much Does Medicare Advantage (Part C) Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Medicare Advantage HMO ($0 premium, monthly) | $0 – $0 | $0 – $0 |
| Medicare Advantage PPO (monthly) | $0 – $0 | $25 – $100 |
| Medicare Advantage with Dental/Vision (monthly) | $0 – $0 | $0 – $75 |
| Medicare Advantage Special Needs Plan (monthly) | $0 – $0 | $0 – $150 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: Medicare Advantage plans are private insurance alternatives to Original Medicare. Many have $0 premiums beyond the standard Part B premium and include extra benefits.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
Many Medicare Advantage plans have $0 monthly premiums beyond the required Medicare Part B premium ($174.70 in 2024). Some plans with richer benefits charge $25 to $150 per month.
Medicare Advantage often includes dental, vision, and drug coverage with lower premiums. However, it uses provider networks and may have higher costs for serious illness. The best choice depends on your health needs.
Yes, you can switch during the Annual Enrollment Period (October 15 to December 7) or the Medicare Advantage Open Enrollment Period (January 1 to March 31).