Under the Affordable Care Act, new insurance plans will have to offer preventive care at no out-of-pocket costs. That goes for seniors on Medicare as well. Starting in 2011, seniors are eligible for a free annual physical, which will provide another opportunity to discuss ongoing health needs with your doctor. Seniors can also receive screenings for conditions like colorectal cancer and breast cancer without a co-pay or a deductible fee. The best way to stay healthy is to avoid getting sick in the first place, so these preventive screenings and regular checkups are supposed to catch problems before they become serious.