We moved out of Kaiser territory and my husband is on a different HMO/Medicare Advantage plan and we were pleasantly surprised that that new plan has zero premium and zero copays. The plan even includes things like $50 back every quarter to buy over the counter stuff from an online website, free gym membership at one of the 24-hour fitness type chain, free transportation to/from doctors' appointments if needed etc. We had initially looked at a Medigap plan F, and because it has been more than 2 years from when Medicare started, they bumped him up to tier 2 rates. Could not justify paying another $5K to $6K a year, so he picked the Medicare Advantage plan that many of our neighbors are on and so far for his health care needs, it is at least as good as Kaiser.