{
  "finding": "zero-premium",
  "title": "Where $0 plans are, and are not",
  "generated": "2026-09-17",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Advantage Index (https://advantageindex.com/findings/zero-premium/), from CMS published files",
  "source": "Centers for Medicare & Medicaid Services: Medicare Advantage/Part D landscape, plan crosswalk",
  "count": 51,
  "rows": [
    {
      "area": "VT",
      "plans": 15,
      "zero": 15,
      "counties": 6
    },
    {
      "area": "PR",
      "plans": 3134,
      "zero": 3056,
      "counties": 78
    },
    {
      "area": "NM",
      "plans": 863,
      "zero": 718,
      "counties": 33
    },
    {
      "area": "NV",
      "plans": 278,
      "zero": 207,
      "counties": 11
    },
    {
      "area": "CA",
      "plans": 1334,
      "zero": 963,
      "counties": 56
    },
    {
      "area": "FL",
      "plans": 4243,
      "zero": 2943,
      "counties": 67
    },
    {
      "area": "IL",
      "plans": 3544,
      "zero": 2448,
      "counties": 102
    },
    {
      "area": "AR",
      "plans": 4094,
      "zero": 2586,
      "counties": 75
    },
    {
      "area": "GA",
      "plans": 11617,
      "zero": 7021,
      "counties": 159
    },
    {
      "area": "KS",
      "plans": 2119,
      "zero": 1279,
      "counties": 101
    },
    {
      "area": "TX",
      "plans": 10378,
      "zero": 6209,
      "counties": 254
    },
    {
      "area": "AZ",
      "plans": 534,
      "zero": 317,
      "counties": 15
    },
    {
      "area": "SC",
      "plans": 2675,
      "zero": 1523,
      "counties": 46
    },
    {
      "area": "WV",
      "plans": 2526,
      "zero": 1418,
      "counties": 55
    },
    {
      "area": "OK",
      "plans": 2557,
      "zero": 1391,
      "counties": 77
    },
    {
      "area": "CO",
      "plans": 1812,
      "zero": 970,
      "counties": 64
    },
    {
      "area": "ME",
      "plans": 511,
      "zero": 272,
      "counties": 16
    },
    {
      "area": "IN",
      "plans": 5215,
      "zero": 2719,
      "counties": 92
    },
    {
      "area": "MI",
      "plans": 4524,
      "zero": 2320,
      "counties": 83
    },
    {
      "area": "NJ",
      "plans": 1020,
      "zero": 519,
      "counties": 21
    },
    {
      "area": "AL",
      "plans": 3572,
      "zero": 1810,
      "counties": 67
    },
    {
      "area": "UT",
      "plans": 692,
      "zero": 349,
      "counties": 29
    },
    {
      "area": "KY",
      "plans": 6779,
      "zero": 3418,
      "counties": 120
    },
    {
      "area": "MS",
      "plans": 3669,
      "zero": 1847,
      "counties": 82
    },
    {
      "area": "VA",
      "plans": 7100,
      "zero": 3563,
      "counties": 133
    },
    {
      "area": "DE",
      "plans": 96,
      "zero": 48,
      "counties": 3
    },
    {
      "area": "ID",
      "plans": 713,
      "zero": 354,
      "counties": 44
    },
    {
      "area": "NC",
      "plans": 6208,
      "zero": 3036,
      "counties": 100
    },
    {
      "area": "CT",
      "plans": 333,
      "zero": 162,
      "counties": 8
    },
    {
      "area": "WA",
      "plans": 1520,
      "zero": 736,
      "counties": 39
    },
    {
      "area": "WI",
      "plans": 2782,
      "zero": 1320,
      "counties": 72
    },
    {
      "area": "TN",
      "plans": 5498,
      "zero": 2567,
      "counties": 95
    },
    {
      "area": "IA",
      "plans": 2975,
      "zero": 1386,
      "counties": 99
    },
    {
      "area": "OR",
      "plans": 595,
      "zero": 277,
      "counties": 30
    },
    {
      "area": "RI",
      "plans": 112,
      "zero": 52,
      "counties": 5
    },
    {
      "area": "MO",
      "plans": 5152,
      "zero": 2374,
      "counties": 115
    },
    {
      "area": "OH",
      "plans": 7455,
      "zero": 3355,
      "counties": 88
    },
    {
      "area": "MT",
      "plans": 596,
      "zero": 261,
      "counties": 50
    },
    {
      "area": "WY",
      "plans": 118,
      "zero": 51,
      "counties": 23
    },
    {
      "area": "MD",
      "plans": 639,
      "zero": 275,
      "counties": 24
    },
    {
      "area": "NE",
      "plans": 2350,
      "zero": 1007,
      "counties": 93
    },
    {
      "area": "PA",
      "plans": 5708,
      "zero": 2440,
      "counties": 67
    },
    {
      "area": "NH",
      "plans": 83,
      "zero": 34,
      "counties": 10
    },
    {
      "area": "DC",
      "plans": 20,
      "zero": 8,
      "counties": 1
    },
    {
      "area": "LA",
      "plans": 3047,
      "zero": 1166,
      "counties": 64
    },
    {
      "area": "NY",
      "plans": 2940,
      "zero": 1089,
      "counties": 62
    },
    {
      "area": "MA",
      "plans": 544,
      "zero": 200,
      "counties": 14
    },
    {
      "area": "HI",
      "plans": 99,
      "zero": 35,
      "counties": 5
    },
    {
      "area": "MN",
      "plans": 1576,
      "zero": 450,
      "counties": 87
    },
    {
      "area": "SD",
      "plans": 943,
      "zero": 193,
      "counties": 66
    },
    {
      "area": "ND",
      "plans": 804,
      "zero": 155,
      "counties": 53
    }
  ]
}