Medicare Advantage Plans in Colorado 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Colorado has a competitive Medicare Advantage market concentrated along the Front Range corridor from Fort Collins through Denver to Colorado Springs. That area has 25 to 40 plan options annually from carriers including UnitedHealthcare, Humana, and Kaiser Permanente Colorado. Mountain communities and rural counties on the Western Slope have significantly fewer choices.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Colorado.
Rural Coverage Note
Parts of Colorado have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Colorado Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Colorado
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Colorado
Medigap is a strong option for Colorado residents who live in mountain communities or who travel frequently between metro and rural areas. Medicare Advantage networks are often thin outside the Front Range.