Medicare Advantage plans in Colorado for 2027
Front Range residents pick from dozens of plans for 2027, while 12 Colorado counties, including ski country around Vail, have none open to the general public.
Jefferson, Colorado: plans open to everyone on Parts A and B
37 plans
26 with a $0 premium and drug coverage · out-of-pocket limits $3,300 to $9,850 · best rating 4.5★ · 12 plan IDs of 2026 not renewed here
37 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Perennial Advantage Freedom (HMO-POS)Perennial Advantage · HMO-POS · H3419-003-0 | $0 | $0 | $3,500 | too few data |
| AARP Medicare Advantage from UHC CO-21P (HMO-POS)UnitedHealthcare · HMO-POS · H0609-079-0 | $0 | $685 | $4,200 | 4.0★ |
| Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente · HMO-POS · H0630-013-0 | $0 | $0 | $4,400 | 4.0★ |
| AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-012-0 | $0 | $685 | $4,450 | 4.0★ |
| DEVOTED CORE 004 CO (HMO)Devoted Health · HMO · H7147-004-0 | $0 | $465 | $4,450 | 4.0★ |
| Humana Total Complete (HMO)Humana · HMO · H5178-003-0 | $0 | $0 | $4,650 | too few data |
| Humana Total Complete (HMO)Humana · HMO · H0028-081-1 | $0 | $0 | $4,750 | 4.5★ |
| Select Health Medicare Essential (HMO)Select Health · HMO · H1994-027-0 | $0 | $300 | $4,900 | 4.0★ |
| Aetna Medicare Prime (HMO)Aetna Medicare · HMO · H5593-008-0 | $0 | $400 | $5,000 | 4.0★ |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H2752-005-0 | $0 | $500 | $5,150 | too few data |
| AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-018-0 | $0 | no drugs | $5,500 | 3.5★ |
| Aetna Medicare Eagle (PPO)Aetna Medicare · PPO · H5521-378-0 | $0 | no drugs | $5,500 | 4.5★ |
| AARP Medicare Advantage from UHC CO-0011 (HMO-POS)UnitedHealthcare · HMO-POS · H6706-001-0 | $0 | $685 | $5,900 | too few data |
| Aetna Medicare Signature (HMO)Aetna Medicare · HMO · H5593-006-0 | $0 | $400 | $5,900 | 4.0★ |
| DEVOTED CHOICE 002 CO (PPO)Devoted Health · PPO · H4808-002-0 | $0 | $650 | $6,050 | 3.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-436-2 | $0 | no drugs | $6,200 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-261-0 | $0 | $425 | $6,200 | 4.0★ |
| Humana Essentials Plus Giveback (HMO)Humana · HMO · H0028-063-0 | $0 | $50 | $6,500 | 4.5★ |
| DEVOTED GIVEBACK EXTRAS 019 CO (HMO)Devoted Health · HMO · H7147-019-0 | $0 | $700 | $6,750 | 4.0★ |
| Select Health Medicare Veterans (HMO)Select Health · HMO · H1994-033-0 | $0 | no drugs | $6,750 | 4.0★ |
| Kaiser Permanente Senior Advantage Bronze DM (HMO-POS)Kaiser Permanente · HMO-POS · H0630-025-0 | $0 | $0 | $6,800 | 4.0★ |
| AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-048-0 | $0 | $685 | $6,900 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H7617-064-0 | $0 | $425 | $6,900 | 4.5★ |
| Aetna Medicare Signature (PPO)Aetna Medicare · PPO · H5521-250-0 | $0 | $700 | $7,150 | 4.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H5216-435-2 | $0 | $450 | $7,850 | 4.0★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-061-0 | $0 | $450 | $7,850 | 4.5★ |
| DEVOTED CHOICE MA ONLY 004 CO (PPO)Devoted Health · PPO · H4808-004-0 | $0 | no drugs | $7,900 | 3.0★ |
| DEVOTED CHOICE GIVEBACK 003 CO (PPO)Devoted Health · PPO · H4808-003-0 | $0 | $461 | $8,950 | 3.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-147-0 | $0 | $700 | $9,500 | 3.0★ |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS · H4346-012-0 | $0 | $325 | $9,850 | 3.5★ |
| Elevate Medicare Select (HMO)Elevate Medicare Advantage · HMO · H5608-002-0 | $0 | $300 | $9,850 | 3.5★ |
| Aetna Medicare Value Care (PPO)Aetna Medicare · PPO · H5521-443-0 · was $34 in 2026 | $18.40 | $700 | $7,150 | 4.0★ |
| HumanaChoice H5216-223 (PPO)Humana · PPO · H5216-223-0 · was $9 in 2026 | $20 | $300 | $4,900 | 4.0★ |
| Kaiser Permanente Senior Advantage Silver DM (HMO-POS)Kaiser Permanente · HMO-POS · H0630-015-0 · was $45 in 2026 | $48 | $0 | $3,600 | 4.0★ |
| Humana Value Choice (PPO)Humana · PPO · H5216-078-1 · was $59 in 2026 | $53 | $400 | $6,700 | 4.0★ |
| AARP Medicare Advantage from UHC CO-0001 (HMO-POS)UnitedHealthcare · HMO-POS · H0609-007-0 · was $59 in 2026 | $56 | $595 | $3,900 | 4.0★ |
| Kaiser Permanente Senior Advantage Gold (HMO-POS)Kaiser Permanente · HMO-POS · H0630-016-0 · was $189 in 2026 | $194 | $0 | $3,300 | 4.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
Colorado has 65 Medicare Advantage plans open to anyone with Parts A and B for 2027, and 49 of the drug-covering ones charge no monthly premium. Those plans are not spread evenly: 12 of the state's 64 counties have no open plan at all, among them Alamosa, Baca, Cheyenne, Eagle and Garfield, and Routt County has 1. Along the Front Range the list is long, with Jefferson County at 37 and Denver at 35. In-network caps run from $3,300 to $9,850, median $6,050. 47 plans score four stars or more for 2027, a high share. The open list shrank from 71 plans in 2026, 6 fewer plans. In counties with no plan, Original Medicare with a Medigap policy and one of the 8 stand-alone drug plans is the usual route.
Mountain resorts and plains counties with no plan
The 12 Colorado counties without an open Medicare Advantage plan for 2027 are Alamosa, Baca, Cheyenne, Eagle, Garfield, Kit Carson, Moffat, Phillips, Prowers, Rio Grande, Sedgwick and Yuma. Some are on the eastern plains near Kansas and Nebraska, others in the San Luis Valley or on the Western Slope; Eagle County, home to Vail, is on the list. Insurers file a plan only where they can sign enough doctors and hospitals, and small, remote populations make that hard. A few of these counties may still show special needs plans, which are reserved for people with Medicaid or specific conditions.
What residents of those counties can buy instead
Original Medicare works at any provider that accepts Medicare. A Medigap policy covers part or all of the deductibles and coinsurance it leaves, and a stand-alone Part D plan adds drugs: 8 are sold statewide from $5.30 a month. The cheapest way to cap a bad year in Medigap is often a high-deductible Plan G, with a $3,050 deductible in 2027. Weigh the premium saved against that deductible here.
Plan G or high-deductible G?
Premium saved per year with HD-G
$1,440
| Extra deductible to cover in a bad year | $2,758 |
| Bad year verdict | Plan G cheaper |
2027 deductibles; Part B deductible taken at the Trustees’ projection.
The Front Range market
Jefferson (37), Adams (36), Denver (35), Arapahoe (33) have the longest lists. Kaiser Permanente runs its own clinics in the Denver and Boulder area, and Intermountain Health Care files plans as well. Humana Inc. (13), Devoted Health, Inc. (12), UnitedHealth Group, Inc. (12), Kaiser Foundation Health Plan, Inc. (8), CVS Health Corporation (7), Intermountain Health Care, Inc. (5) file the most open segments. The lowest cap, $3,300, belongs to Kaiser Permanente Senior Advantage Gold (HMO-POS), which costs $194 a month, so the best protection again comes at a price. The highest-rated plan is Humana Value Choice (PPO), at 4.5 stars.
HMO country with a few PPOs
Colorado has 47 HMOs against 18 PPOs. If you split the year between Colorado and another state, an HMO covers routine care only at home. Colorado also offers 23 D-SNPs for people enrolled in Health First Colorado, the state Medicaid program, and 12 C-SNPs for chronic conditions. See HMO versus PPO for the difference.
Every county of Colorado, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Adams | 36 | 25 | $3,300 | 26 | -7 |
| Alamosa | 0 | 0 | none | 0 | -7 |
| Arapahoe | 33 | 22 | $3,300 | 25 | -7 |
| Archuleta | 3 | 1 | $6,200 | 3 | -9 |
| Baca | 0 | 0 | none | 0 | same |
| Bent | 8 | 5 | $4,900 | 5 | -2 |
| Boulder | 33 | 22 | $3,300 | 23 | -9 |
| Broomfield | 32 | 21 | $3,300 | 23 | -9 |
| Chaffee | 5 | 4 | $4,900 | 2 | -3 |
| Cheyenne | 0 | 0 | none | 0 | same |
| Clear Creek | 18 | 11 | $3,300 | 13 | -19 |
| Conejos | 10 | 6 | $4,900 | 7 | -6 |
| Costilla | 9 | 5 | $4,900 | 6 | -2 |
| Crowley | 9 | 5 | $4,900 | 6 | -9 |
| Custer | 8 | 5 | $4,900 | 5 | -9 |
| Delta | 10 | 5 | $4,900 | 8 | -10 |
| Denver | 35 | 24 | $3,300 | 26 | -8 |
| Dolores | 3 | 1 | $4,900 | 3 | -3 |
| Douglas | 32 | 21 | $3,300 | 25 | -11 |
| Eagle | 0 | 0 | none | 0 | -2 |
| El Paso | 25 | 16 | $4,400 | 18 | -8 |
| Elbert | 16 | 10 | $3,300 | 13 | -17 |
| Fremont | 23 | 15 | $4,400 | 16 | -6 |
| Garfield | 0 | 0 | none | 0 | same |
| Gilpin | 15 | 8 | $3,300 | 12 | -15 |
| Grand | 11 | 6 | $4,900 | 8 | -8 |
| Gunnison | 9 | 6 | $4,900 | 6 | same |
| Hinsdale | 9 | 6 | $4,900 | 6 | same |
| Huerfano | 8 | 5 | $4,900 | 5 | -9 |
| Jackson | 8 | 5 | $4,900 | 5 | -9 |
| Jefferson | 37 | 26 | $3,300 | 26 | -7 |
| Kiowa | 5 | 5 | $6,000 | 3 | +5 |
| Kit Carson | 0 | 0 | none | 0 | same |
| La Plata | 7 | 4 | $5,500 | 6 | -5 |
| Lake | 7 | 6 | $6,000 | 5 | same |
| Larimer | 24 | 14 | $4,300 | 16 | -10 |
| Las Animas | 5 | 4 | $4,900 | 2 | -9 |
| Lincoln | 8 | 5 | $4,900 | 5 | -8 |
| Logan | 4 | 1 | $4,900 | 4 | -5 |
| Mesa | 13 | 8 | $4,900 | 10 | -8 |
| Mineral | 9 | 6 | $4,900 | 6 | same |
| Moffat | 0 | 0 | none | 0 | same |
| Montezuma | 2 | 2 | $7,150 | 1 | -2 |
| Montrose | 7 | 3 | $4,900 | 7 | -4 |
| Morgan | 4 | 1 | $4,900 | 4 | -12 |
| Otero | 4 | 1 | $4,900 | 4 | -3 |
| Ouray | 9 | 6 | $4,900 | 6 | same |
| Park | 15 | 9 | $3,300 | 12 | -13 |
| Phillips | 0 | 0 | none | 0 | -2 |
| Pitkin | 6 | 5 | $6,000 | 3 | +3 |
| Prowers | 0 | 0 | none | 0 | same |
| Pueblo | 23 | 15 | $4,400 | 17 | -10 |
| Rio Blanco | 3 | 1 | $4,900 | 3 | -3 |
| Rio Grande | 0 | 0 | none | 0 | -4 |
| Routt | 1 | 1 | $9,850 | 0 | same |
| Saguache | 8 | 5 | $4,900 | 5 | -6 |
| San Juan | 9 | 6 | $4,900 | 6 | same |
| San Miguel | 3 | 1 | $4,900 | 3 | -3 |
| Sedgwick | 0 | 0 | none | 0 | same |
| Summit | 8 | 6 | $4,900 | 6 | +1 |
| Teller | 21 | 14 | $4,400 | 14 | -13 |
| Washington | 8 | 5 | $4,900 | 5 | -10 |
| Weld | 25 | 15 | $4,300 | 17 | -12 |
| Yuma | 0 | 0 | none | 0 | -2 |
Stand-alone Part D plans in Colorado
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-160-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-091-0 · Extra Help benchmark | $7.30 | $0 | $700 | $2.20 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-111-0 · Extra Help benchmark | $11.30 | $0 | $700 | $0 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-206-0 | $102.30 | $83.90 | $687 | $48.50 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-044-0 | $126.50 | $108.10 | $700 | new | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-173-0 | $156.40 | $138 | $350 | $137.10 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-372-0 | $211.70 | $193.30 | $700 | $125 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-408-0 | $260.20 | $241.80 | $300 | $151.90 | 3.0 |