Medicare Advantage plans in Colorado are approved county by county, so the plan list you see depends on your address. This guide compares the 2027 lists for the nine Front Range counties Headwaters Health and Wealth serves.
From the CMS Landscape file for contract year 2027. Special Needs Plans are counted separately. The 2026 to 2027 column counts plans with drug coverage, Special Needs Plans included.
The Census Bureau counts about 5.9 million Coloradans across 64 counties, and about 914,000 of them, 15.6%, are 65 or older. The nine counties in this guide hold most of that population, from Adams and Weld in the northeast to Douglas in the south and Larimer in the north.
Some programs work the same anywhere in Colorado: standalone Part D plans are priced for the whole state, Medigap rules come from the state, and under-65 coverage runs through the Colorado marketplace. Others, like Medicare Advantage, change at every county line. This page covers both.
How Lisa helps. Lisa Asmussen works from the Brighton office in Adams County. She meets clients in person in Brighton and nearby, and by phone or video anywhere in Colorado.
Jefferson County has the most Medicare Advantage plans for 2027 (37) and Larimer County the fewest (24), so the county on your address decides how much choice you have.
| County | Plans | $0 Part C premium | $0 for Parts C and D combined | In-network out-of-pocket range | Organizations | Special Needs Plans | With drug coverage, SNPs included, 2026 to 2027 |
|---|---|---|---|---|---|---|---|
| Adams County | 36 | 33 | 30 | $3,300 to $9,850 | 10 | 28 | 64 to 59 |
| Weld County | 25 | 23 | 20 | $4,300 to $9,850 | 8 | 22 | 53 to 42 |
| Denver County | 35 | 32 | 29 | $3,300 to $9,850 | 10 | 29 | 64 to 59 |
| Broomfield County | 32 | 29 | 26 | $3,300 to $9,850 | 9 | 26 | 60 to 53 |
| Arapahoe County | 33 | 30 | 27 | $3,300 to $9,850 | 9 | 28 | 61 to 56 |
| Jefferson County | 37 | 34 | 31 | $3,300 to $9,850 | 10 | 28 | 65 to 60 |
| Boulder County | 33 | 30 | 27 | $3,300 to $9,850 | 9 | 27 | 62 to 55 |
| Larimer County | 24 | 22 | 19 | $4,300 to $9,850 | 8 | 22 | 50 to 41 |
| Douglas County | 32 | 29 | 26 | $3,300 to $9,500 | 7 | 27 | 62 to 54 |
Organizations offering Medicare Advantage plans in at least one of the nine counties for 2027: Aetna Medicare, Anthem Blue Cross and Blue Shield, Devoted Health, Elevate Medicare Advantage, HealthSpring, Humana, Kaiser Permanente, Perennial Advantage, Select Health, UnitedHealthcare. We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Jefferson County has the most residents aged 65 and over of the nine counties (103,643).
| Area | Population | Aged 65 and over | Share 65 and over | No health insurance |
|---|---|---|---|---|
| Adams County | 530,225 | 59,925 | 11.3% | 11.6% |
| Weld County | 350,396 | 45,353 | 12.9% | 8.0% |
| Denver County | 718,877 | 89,711 | 12.5% | 9.0% |
| Broomfield County | 76,304 | 11,901 | 15.6% | 4.4% |
| Arapahoe County | 659,844 | 95,133 | 14.4% | 9.3% |
| Jefferson County | 579,377 | 103,643 | 17.9% | 5.3% |
| Boulder County | 328,961 | 53,942 | 16.4% | 4.4% |
| Larimer County | 367,368 | 63,764 | 17.4% | 5.6% |
| Douglas County | 377,150 | 52,473 | 13.9% | 3.9% |
| Colorado (all 64 counties) | 5,862,189 | 914,002 | 15.6% | 7.7% |
These work the same in every county, whichever plan list your address uses.
Lisa reviews your options for free, with no obligation, in person in Brighton or by phone or video anywhere in Colorado: call (303) 887-8584. She checks your doctors and prescriptions against each 2027 plan, then helps you enroll.
Colorado’s Medicaid program is Health First Colorado; Child Health Plan Plus (CHP+) is the state’s low-cost coverage for children. People with both Medicare and Health First Colorado can look at Dual Special Needs Plans. See Medicare and Health First Colorado.
Colorado runs its own marketplace, not the federal marketplace. Open enrollment for 2027 coverage starts November 1, 2026. See the Colorado marketplace guide.
Standalone Part D plans are priced for the whole of Colorado (CMS Part D region 27), and the Colorado Division of Insurance publishes Medigap premium charts for the state. See Medigap rules in Colorado.
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
Each figure is the share of adults with the condition, marked higher or lower than the Colorado county average, so you can see where each county stands out.
| County | Diagnosed diabetes | High blood pressure | Obesity | Coronary heart disease | COPD | Uninsured, 18 to 64 |
|---|---|---|---|---|---|---|
| Adams County | 9.7% | 27.3% | 33.2% | 4.7% | 5.1% | 17.2% |
| Weld County | 9.5% | 27.8% | 33.8% | 5.1% | 5.5% | 13.7% |
| Denver County | 7.1% | 21.7% | 21.6% | 4.1% | 4.2% | 12.5% |
| Broomfield County | 7.1% | 24.5% | 22.3% | 4.4% | 4.2% | 7.8% |
| Arapahoe County | 8.5% | 27.8% | 26.1% | 4.9% | 4.9% | 11.5% |
| Jefferson County | 8.3% | 27.7% | 23.1% | 5.1% | 5.0% | 8.4% |
| Boulder County | 7.1% | 21.9% | 16.7% | 4.8% | 4.7% | 7.8% |
| Larimer County | 7.3% | 25.6% | 23.5% | 5.1% | 5.2% | 8.6% |
| Douglas County | 6.8% | 25.8% | 25.3% | 4.3% | 4.0% | 6.3% |
| Colorado county average | 8.6% | 27.0% | 26.1% | 5.1% | 5.3% | 11.1% |
CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-14. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Colorado figure: average of the 64 Colorado counties, weighted by adult population.
Part D plans are priced by region, so these 8 plans for 2027 apply across Colorado. They pair with Original Medicare (often with Medigap) or with an Advantage plan that has no drug coverage.
8 plans statewide, with monthly premiums from $5.30 to $260.20; none has a $0 premium.
| Plan | Monthly premium | Annual deductible | Plan ID |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare | $5.30 | $700 | S4802_160 |
| Wellcare Classic (PDP)Wellcare | $7.30 | $700 | S4802_091 |
| Humana Basic Rx Plan (PDP)Humana | $11.30 | $700 | S5884_111 |
| Humana Value Rx Plan (PDP)Humana | $102.30 | $687 | S5884_206 |
| HealthSpring Assurance Rx (PDP)HealthSpring (CMS lists the sponsor under its legal entity name, Blue Cross and Blue Shield of IL, NM, OK, TX) | $126.50 | $700 | S5715_044 |
| Humana Premier Rx Plan (PDP)Humana | $156.40 | $350 | S5884_173 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare | $211.70 | $700 | S5921_372 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare | $260.20 | $300 | S5921_408 |
The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027 (CMS program parameters). Colorado standalone plans: 10 in 2026, 8 in 2027. What you pay also depends on Extra Help and any late enrollment penalty. See Extra Help and Medicare Savings Programs in Colorado.
Every Advantage plan on this page replaces Original Medicare with a plan network. The other path keeps Original Medicare and adds a Medicare Supplement (Medigap) policy plus a separate Part D plan.
Medigap has no network: any provider that accepts Medicare accepts it, anywhere in the country. Premiums are higher than most Advantage plans, and in exchange your costs are more predictable. The Colorado Division of Insurance publishes Medigap premium charts for every company selling in the state, so you can compare the same plan letter across insurers.
Timing matters. Your 6-month Medigap open enrollment window starts when you are 65 or older and enrolled in Part B. Inside it, an insurer cannot turn you down or charge more for your health. Outside it, in most cases it can. See Medigap rules in Colorado and Medicare Advantage vs Medigap.
Colorado runs its own marketplace for individual and family health insurance: The Colorado marketplace, not the federal marketplace. Open enrollment for 2027 coverage starts November 1, 2026. Financial help depends on household income, and people with low income may qualify for Health First Colorado, the state Medicaid program, or Child Health Plan Plus (CHP+) for children.
Lisa helps with the Colorado marketplace plans and pre-65 coverage too. Try the ACA subsidy calculator, read the Colorado marketplace guide, or see individual and family health insurance. Estimates are estimates; final premiums are set at enrollment.
Headwaters Health and Wealth is not affiliated with, endorsed by, or operating on behalf of the Colorado marketplace, CMS, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
You must have Medicare Part A and Part B to join a Medicare Advantage plan, and live in the plan’s service area, which is set county by county.
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
October 15 to December 7, 2026. Choose or change plans for 2027; coverage starts January 1.
January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or return to Original Medicare once.
Moving, losing employer coverage, gaining or losing Health First Colorado, or a plan not renewing can open a window outside the normal calendar.
To enroll, call Lisa at (303) 887-8584: she compares the 2027 plans with you and handles the enrollment. More detail: Medicare enrollment periods.
Each county guide lists every plan; each city guide adds that community’s own Census, CDC and hospital figures.
County guide only.
County guide only.
It depends on your county. Across the nine Front Range counties in this guide, CMS lists from 24 Medicare Advantage plans (Larimer County) to 37 (Jefferson County) for 2027, not counting Special Needs Plans. Source: CMS 2027 Landscape file.
Headwaters checks this for you before you decide. Call Lisa at (303) 887-8584.
No. Colorado runs its own marketplace. Open enrollment for 2027 coverage starts November 1, 2026. Medicare plans are separate, and Lisa compares them with you.
Lisa Asmussen is a licensed agent, and her plan reviews are free with no obligation: in person in Brighton, or by phone or video anywhere in Colorado.
CMS lists 8 standalone Part D plans for Colorado in 2027. Part D plans are priced by region, so the same plans are offered statewide. That is down from 10 in 2026, and none has a $0 monthly Part D premium for 2027.
Lisa walks you through the plans for your ZIP code at your review. Call (303) 887-8584.
Headwaters Health and Wealth is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
Book a free, no-obligation review with Lisa in Brighton, by phone or by video. Bring your questions; leave with answers.
992 South Fourth Avenue, Brighton, CO 80601 · (303) 887-8584
Content reviewed by Lisa Asmussen, Medicare Broker and Licensed Insurance Agent at Headwaters Health and Wealth in Brighton, Colorado, certified to sell Medicare plans since 2018 (8 years). How we source and review our content. Last updated .
