Medicare 2026

Medicare in Colorado for 2027: 30 Advantage Plans Leaving, 27 New, and What Else Changes

DENVER — Coloradans on Medicare will see a reshuffled menu for 2027. Statewide, 104 Medicare Advantage plans will be offered across the state's 64 counties, down from 107 in 2026, with 30 plans not returning anywhere in Colorado, 27 new plans arriving, and 31 continuing plans changing something about how they're sold — a different premium, drug deductible, plan type or plan name. The Annual Enrollment Period for 2027 coverage runs October 15 through December 7, 2026, and choices made in that window take effect January 1, 2027.

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

Colorado will have 104 Medicare Advantage plans available across its 64 counties in 2027, compared with 107 in 2026. Within that total, 30 plans are not returning anywhere in the state, 27 plans are new, and 31 continuing plans are changing a premium, drug deductible, plan type or plan name. One carrier, Clear Spring Health, will not offer any Medicare Advantage plan in Colorado for 2027.

Because Medicare Advantage plans are sold county by county, a plan counted statewide may or may not appear on your doorstep. The practical step for every Colorado member is the same: read the Annual Notice of Change (ANOC) your plan mailed in September 2026. It spells out what, if anything, will be different about your plan on January 1. If your plan is leaving, you should also receive a non-renewal letter from the insurer. That letter triggers a Special Enrollment Period through February 28, 2027 to choose a different Medicare Advantage plan or move to Original Medicare with a stand-alone Part D plan.

Which Colorado counties are seeing the most Medicare Advantage change for 2027?

Five counties along the Front Range and in the foothills account for the biggest churn in Colorado for 2027. Clear Creek County has 31 plans leaving and 13 changing. Douglas County has 24 leaving and 19 changing. Denver County has 18 leaving and 22 changing. Jefferson County has 18 leaving and 22 changing. Adams County has 17 leaving and 22 changing.

If you live in one of those counties, there is a higher-than-average chance your current plan either won't be back in 2027 or will look different on January 1. The county-level counts don't tell you which specific plan is yours — that's what the ANOC and the non-renewal letter do — but they are a useful nudge to check the Medicare Plan Finder at medicare.gov before December 7, 2026.

How many stand-alone Part D drug plans are available in Colorado for 2027?

Colorado will have 8 stand-alone Part D prescription drug plans in 2027, offered by 4 insurers, down from 10 plans in 2026. These are the plans people on Original Medicare use for drug coverage; they are also an option if a Medicare Advantage plan is leaving and you want to return to Original Medicare with separate drug coverage.

Nationally for 2027, no Part D plan may charge a deductible higher than $700, and the out-of-pocket cap on what you pay for covered Part D drugs is $2,400 (it is $2,100 in 2026). The Part D base beneficiary premium for 2027 is $41.33 — a national figure used to calculate the late-enrollment penalty. Actual monthly premiums are set plan by plan and are listed on medicare.gov.

How many Medigap insurers are listed for Colorado in 2027?

Medicare.gov lists 24 Medigap (Medicare Supplement) insurers for a Colorado ZIP code going into 2027. Medigap works alongside Original Medicare and is standardized by letter (Plan G, Plan N and so on), so a given letter plan covers the same things regardless of which insurer sells it. Pricing and underwriting rules differ by insurer and by when you enroll; those details are on medicare.gov and in each insurer's own materials.

What national Medicare numbers are confirmed for 2027, and what isn't?

Confirmed for 2027: the Part D out-of-pocket cap is $2,400, the maximum Part D deductible any plan may charge is $700, and the Part D base beneficiary premium is $41.33. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

Not yet announced: the 2027 Part B standard premium and deductible, and the 2027 IRMAA income brackets and surcharges. CMS typically releases those figures in the fall, usually November. Until then, no reliable 2027 Part B number exists to share.

What should Coloradans do before December 7, 2026?

A short checklist for Annual Enrollment 2027:

• Find your Annual Notice of Change and read the section on what's different for January 1, 2027.
• If you got a non-renewal letter, note that your Special Enrollment Period runs through February 28, 2027.
• Make a list of your prescriptions, your doctors and the pharmacies you use.
• Run those details through the Medicare Plan Finder at medicare.gov to see which 2027 plans cover them in your county.
• Confirm any Medigap questions directly with the insurer or on medicare.gov, since Medigap is separate from Medicare Advantage and Part D.
• Make your choice by December 7, 2026 for a January 1, 2027 start date.

Where can Coloradans get free help with Medicare for 2027?

Two places offer free, year-round help with Medicare questions in Colorado. The official Medicare website, medicare.gov, has the Plan Finder, the full list of Medigap insurers for your ZIP code, and plan documents. The Medicare phone line, 1-800-MEDICARE (1-800-633-4227), is open 24 hours a day, 7 days a week, including TTY service. Both can walk you through 2027 plan options for your county without steering you toward any particular insurer.