Most Medicare Advantage enrollees have access to at least one zero-premium plan, but only about half of them take that option. According to Kaiser Family Foundation’s analysis of 2019 Medicare Advantage enrollment, 90 percent of people who enrolled in an MA-PD (Medicare Advantage plan with prescription drug coverage) had the option to select a zero-premium plan. But only 56 percent did so. The other 44 percent opted to pay premiums that ranged from under $20/month to over $100/month.