Medicare in Colorado: 2026 Plans, Costs, and Enrollment Guide

Colorado Medicare Snapshot

Colorado has 108 Medicare Advantage plans from 12 carriers for 2026 (CMS CY2026 Landscape), with availability across all 64 Colorado counties. Colorado Medigap uses the standard federal plan letters with attained-age pricing — there is no state Birthday Rule or Anniversary Rule. The federal 6-month Medigap Open Enrollment Period applies as the first-time guaranteed-issue window.

The average consolidated MA premium is $12.91/month (CMS CY2026 Landscape). The standard Medicare Part B premium is $202.90/month in 2026. Top MA carriers by plan count are UnitedHealthcare (26), Humana (17), and Devoted Health (14).

Plan Types Available in Colorado

Medicare Advantage (Part C)

In Colorado, 108 MA plans are available for 2026 from 12 carriers (CMS CY2026 Landscape). The largest plan-type categories are PPO (25), HMO-POS (24), HMO (18), HMO D-SNP (15), and PPO D-SNP (5); additional MA plans fall outside the top categories.

Top carriers by plan count: UnitedHealthcare (26 plans), Humana (17 plans), and Devoted Health (14 plans). Average MA star rating is 3.97.

Medigap (Medicare Supplement)

Colorado uses the standard federal Medigap plan letters (A, B, C, D, F, G, K, L, M, N, plus HDG and HDF). 33 carriers offer Plan G in Colorado in the TPP rate database (CY2026, non-tobacco, ages 65–85). Plans C, F, and High-Deductible Plan F (HDF) are closed to anyone who first became Medicare-eligible on or after January 1, 2020 (under MACRA 2015); beneficiaries who were Medicare-eligible before that date may still buy Plans C, F, or HDF from carriers that continue to offer them. High-Deductible Plan G (HDG) is the post-2020 high-deductible Medigap option and is offered by 25 Colorado carriers.

Colorado Medigap rates use attained-age pricing — premiums increase as you age. Colorado does not have a state Medigap Birthday Rule or Anniversary Rule. See our MA vs Medigap comparison →

Standalone Part D (Prescription Drug Plans)

Colorado is a single-state PDP region (CMS PDP Region 27). For 2026, there are 10 standalone PDP plans from 5 carriers in Colorado (CMS CY2026 Landscape).

Costs in Colorado

Medicare Advantage Premiums

The average consolidated MA premium in Colorado is $12.91/month (CMS 2026 Medicare MA & Part D Landscape State-by-State Fact Sheet) — many Colorado MA plans carry a zero monthly premium. The standard Medicare Part B premium is $202.90/month in 2026.

Medigap Premiums — Plan G and HDG

Colorado Medigap rates use attained-age pricing (premiums based on current age). Across the 33 Colorado Plan G carriers (non-tobacco, ages 65–85), Plan G monthly premiums in 2026 range from approximately $128 to $700/month (TPP rate database, CY2026).

High-Deductible Plan G (HDG) is offered by 25 Colorado carriers; premiums range from approximately $119 to $795/month (TPP rate database, CY2026, non-tobacco, ages 65–85). HDG works well for beneficiaries who want catastrophic protection at a lower monthly cost and can absorb the $2,950 annual deductible (2026 CMS high-deductible Medigap deductible).

Part D Costs and the LIS Benchmark

For 2026, Colorado (PDP Region 27 — single-state) has 10 standalone PDP plans from 5 carriers (CMS CY2026 Landscape). The CMS Low Income Subsidy (LIS / Extra Help) benchmark premium for Region 27 is $35.24/month (CMS CY2026 Regional Rates and Benchmarks).

Colorado-Specific Medicare Rules

No State Medigap Birthday Rule

Unlike states such as Maryland, Missouri, California, Oregon, or Idaho, Colorado does not have a state Medigap Birthday Rule or Anniversary Rule. Outside of the federal 6-month Medigap Open Enrollment Period and qualifying federal guaranteed-issue events, most Medigap purchases in Colorado are subject to medical underwriting at the carrier's discretion.

Medicare Savings Programs (MSPs)

Colorado offers Medicare Savings Programs (MSPs) through Health First Colorado (the state Medicaid program):

• QMB (Qualified Medicare Beneficiary): Covers Part A and Part B premiums, deductibles, and cost-sharing.
• SLMB (Specified Low-Income Medicare Beneficiary): Covers Part B premiums only.
• QI (Qualifying Individual): Also covers Part B premiums; subject to annual appropriations.

Apply through Health First Colorado or contact Colorado SHIP (1-888-696-7213) for free enrollment assistance. MSP enrollment also automatically qualifies you for Extra Help / LIS on Part D. Learn more about MSPs →

Colorado SHIP

Colorado SHIP (State Health Insurance Assistance Program) is administered through the Colorado Department of Public Health and Environment. Colorado SHIP provides free, unbiased Medicare counseling statewide through trained volunteers at local Area Agencies on Aging.

Phone: 1-888-696-7213
Website: cdphe.colorado.gov/ship

Enrolling in Medicare in Colorado

Standard Enrollment Periods

• Initial Enrollment Period (IEP): 7-month window centered on your 65th birthday month. Enroll at ssa.gov or call 1-800-772-1213.
• Annual Election Period (AEP): October 15 – December 7 each year.
• Medicare Advantage Open Enrollment Period (OEP): January 1 – March 31.
• Federal 6-month Medigap OEP: Starts when you are 65+ and enrolled in Part B; first-time Medigap guaranteed issue.
• Special Enrollment Periods (SEPs): Learn more →

Colorado SHIP Counseling

Contact Colorado SHIP at 1-888-696-7213 for free one-on-one Medicare guidance statewide.

Frequently Asked Questions