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Medicare Advantage Plans in Colorado 2027: Carriers, Costs and County Options

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 13, 2026

Colorado Medicare Advantage premiums are falling for 2027. CMS’s 2027 landscape data shows 104 Medicare Advantage plans in Colorado, compared with 107 in 2026, and the average monthly premium dropped from $11.67 to $9.10.

CMS also reports that 96.5% of people with Medicare in Colorado can get a plan with a $0 monthly premium. Annual Enrollment runs October 15 to December 7, 2026, for coverage that starts January 1, 2027.

Key Takeaway

Colorado has 104 Medicare Advantage plans for 2027, the average premium fell to $9.10, and 96.5% of people with Medicare can get a $0 premium plan.

Compare 2027 Medicare Advantage Plans in Colorado

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Medicare Advantage plans in Colorado 2027 overview: 104 plans, average premium $9.10, 96.5% access to a $0 premium plan

Colorado Medicare Advantage at a Glance for 2027

Colorado 2026 2027
Medicare Advantage plans offered 107 104
Average monthly MA premium (Colorado) $11.67 $9.10
Average monthly MA premium (national) $14.37 $12.00

Source: CMS 2027 Medicare Advantage and Part D Landscape state fact sheets and press release, September 28, 2026.

Colorado’s average premium is now below the national average. You still pay your Part B premium with any Medicare Advantage plan. For the national picture, see our guide to Medicare Advantage plans 2027.

What Changed in Colorado for 2027

Three changes matter most for Colorado Medicare Advantage shoppers this year:

Lower premiums

Colorado has three fewer plans for 2027, but the average premium dropped by $2.57 a month to $9.10.

Anthem chronic care plan

Anthem’s chronic condition special needs plans are expanding into Colorado for 2027. See our guide to Anthem Medicare Advantage plans.

Devoted’s big lineup

Devoted ties UnitedHealthcare for the most Colorado plan options, with plans in up to 39 counties. See our guide to Devoted Medicare Advantage plans.

Good to know: Current members should still read their Annual Notice of Change, since benefits, copays and networks can change from year to year.

Compare 2027 Medicare Advantage Plans in Colorado

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Colorado Medicare Advantage carriers 2027 by number of plans: Devoted Health, UnitedHealthcare, Humana, Kaiser Permanente, Aetna, HealthSpring and Select Health

Colorado Medicare Advantage Carriers for 2027

These carriers sell individual Medicare Advantage plans in Colorado for 2027. Not every carrier is available in every county:

Carrier What to Know for 2027
UnitedHealthcare HMO-POS plans in the Denver, Colorado Springs and Front Range counties, and dual-eligible plans in all 64 counties.
Devoted Health Tied with UnitedHealthcare for the most plan options in Colorado, with HMO and PPO plans in up to 39 counties, including chronic care plans.
Humana PPO and HMO plans in up to 47 counties, including the Essentials Plus Giveback PPO and the USAA Honor Giveback PPO.
Kaiser Permanente Senior Advantage HMO plans in 17 counties, around Denver, Boulder, Northern Colorado, Colorado Springs and Pueblo.
Aetna Medicare HMO and PPO plans in up to 17 counties, including the Eagle PPO.
HealthSpring HMO and PPO plans in up to 18 counties, plus dual-eligible plans.
Select Health HMO plans in up to 18 counties, including a plan for veterans.
Anthem Blue Cross and Blue Shield HMO-POS plans in 11 counties, plus a new chronic care plan for 2027.
Elevate, Perennial Advantage and Longevity Health Plan Smaller plans in select counties, mostly for people with Medicaid or who live in a nursing home.

Sources: CMS 2027 Plan Benefit Package and service area data; carrier announcements.

The national average star rating for 2027 is 3.99. Learn more in our guides to UnitedHealthcare, Humana, Aetna and HealthSpring Medicare Advantage plans, or compare neighboring Arizona.

Colorado Medicare Advantage Options by County

Where you live in Colorado makes a big difference:

Denver metro and Front Range

Jefferson, Denver, Adams, Arapahoe, Boulder, Douglas and Broomfield counties each have about 60 plan options, including special needs plans.

Colorado Springs

El Paso County has about 50 plan options.

Mountain and rural counties

Some counties, including Eagle, Garfield, Moffat, Baca and Rio Grande, have only a couple of individual plans, so Medigap may be worth comparing too.

Colorado has 50 HMO plans, 31 HMO-POS plans and 23 PPO plans for 2027. See our guides to Medicare Advantage PPO plans and Medicare Advantage special needs plans.

What Colorado Medicare Advantage Plans May Include

Benefits depend on the plan and county, but Colorado Medicare Advantage plans may include:

May include

✔

$0 monthly premium plans, available to 96.5% of people with Medicare in Colorado. You still pay your Part B premium.
✔

Part B giveback plans from Humana and Devoted, which can lower what you pay for Part B each month.
✔

Prescription drug coverage, with Part D out-of-pocket costs capped at $2,400 in 2027.
✔

Dental, vision and hearing benefits on many plans.
✔

Special needs plans for people with Medicaid, chronic conditions or long-term care needs.

Good to know: Not all plans offer all benefits. Check each plan’s 2027 Summary of Benefits for exact premiums, copays and out-of-pocket limits.

Before You Enroll: Colorado 2027 Checklist

Your 2027 checklist

1

Confirm your county. Front Range counties have far more choices than mountain and rural counties.
2

Check your premium. Colorado’s average premium fell for 2027, but your plan’s premium may still change.
3

Check your doctors and hospitals. Kaiser Permanente and many HMOs require you to use their network.
4

Run your prescriptions. Drug costs can vary widely between plans.
5

Read your Annual Notice of Change. It lists every change to your current plan.
6

Mark the dates. Medicare Open Enrollment 2027 runs October 15 to December 7, 2026.

Free help: For free, unbiased counseling, Colorado residents can also contact SHIP, the State Health Insurance Assistance Program.

Find 2027 Medicare Advantage Plans in Your Colorado County

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Medicare Advantage Plans in Colorado 2027 — Frequently Asked Questions

➤ How many Medicare Advantage plans are in Colorado for 2027?

CMS’s 2027 landscape data shows 104 Medicare Advantage plans in Colorado, compared with 107 in 2026. The number available to you depends on your county.

➤ What is the average Medicare Advantage premium in Colorado for 2027?

The average monthly Medicare Advantage premium in Colorado is $9.10 for 2027, down from $11.67 in 2026 and below the national average of $12.00. You still pay your Part B premium.

➤ Are there $0 premium Medicare Advantage plans in Colorado?

Yes. CMS reports that 96.5% of people with Medicare in Colorado can get a Medicare Advantage plan with a $0 monthly premium for 2027. You still pay your Part B premium.

➤ Which companies sell Medicare Advantage plans in Colorado?

UnitedHealthcare, Devoted Health, Humana, Kaiser Permanente, Aetna, HealthSpring, Select Health and Anthem all sell Colorado plans for 2027, along with several smaller plans for people with special needs.

➤ What is the best Medicare Advantage plan in Colorado?

It depends on your county, doctors and prescriptions. Denver-area residents have dozens of choices, while some mountain counties have only a few. Compare premiums, networks and drug costs in your ZIP code before you decide.

➤ Is Kaiser Permanente available in Colorado for 2027?

Yes. Kaiser Permanente sells Senior Advantage HMO plans in 17 Colorado counties for 2027, around Denver, Boulder, Northern Colorado, Colorado Springs and Pueblo. You generally need to use Kaiser’s network.

➤ Are there Medicare Advantage PPO plans in Colorado?

Yes. Colorado has 23 PPO plans for 2027 from carriers including Humana, Devoted, Aetna, HealthSpring and UnitedHealthcare. PPOs let you see out-of-network providers, usually at a higher cost.

➤ Can I get a Medicare Advantage plan with Medicaid in Colorado?

Yes. UnitedHealthcare, Devoted, Humana, Kaiser Permanente, Aetna, HealthSpring, Anthem and Elevate offer dual-eligible special needs plans in parts of Colorado for people with both Medicare and Medicaid.

➤ Where can I get free Medicare help in Colorado?

Colorado residents can contact SHIP, the State Health Insurance Assistance Program, for free, unbiased Medicare counseling. You can also compare plans by ZIP code online or call 1-800-MEDICARE.

➤ When can I enroll in a Medicare Advantage plan in Colorado for 2027?

Annual Enrollment runs October 15 to December 7, 2026, with coverage starting January 1, 2027. If you’re already in a Medicare Advantage plan, you can also make one change from January 1 to March 31, 2027.