Medicare Advantage

Compare 104 Colorado Medicare Advantage Plans for 2027 From 11 Carriers

DENVER — Colorado residents on Medicare have a bigger shopping list for 2027. The federal Centers for Medicare & Medicaid Services (CMS) has published the Medicare Advantage Landscape files for the coming plan year, and they show 104 Medicare Advantage plans available somewhere in the state from 11 carriers. Availability still runs county by county, so the question for each household is which of those plans actually show up on the doorstep in Denver, Mesa, El Paso, La Plata or wherever home happens to be.

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The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice made during that window takes effect January 1, 2027.

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

Colorado has 104 Medicare Advantage plans listed for the 2027 plan year across 11 carriers, according to the CMS Medicare Advantage Landscape Source File for CY2027. Of those 104 plans, 98 include Part D prescription drug coverage built in. The year-over-year comparison with the CY2026 file shows 27 plans are new for 2027 and 30 plans offered in 2026 are not returning for 2027.

Those statewide totals count each contract once. A plan listed in the state file may be sold in only a handful of counties, so the number a specific reader sees on the Medicare Plan Finder for their ZIP code will be smaller than 104. The tables elsewhere on this page break the full lineup out plan by plan.

What types of Medicare Advantage plans does Colorado have for 2027?

For 2027, Colorado's 104 Medicare Advantage plans break down into 54 HMO plans, 27 HMO-POS plans and 23 PPO plans. The split matters because HMO, HMO-POS and PPO plans handle referrals, out-of-network care and travel differently; the Evidence of Coverage for each plan spells out the rules.

Colorado also has 39 Special Needs Plans in the 2027 lineup: 23 Dual-Eligible SNPs (D-SNP) for people who have both Medicare and Medicaid, 12 Chronic Condition SNPs (C-SNP) for people living with qualifying conditions, and 4 Institutional SNPs (I-SNP) for people in long-term care settings. SNPs have eligibility rules, so not every shopper qualifies, and availability is still county by county.

Which carriers offer Medicare Advantage plans in Colorado for 2027?

Eleven carriers appear in the 2027 Colorado Landscape file. In alphabetical order, they are Aetna (CVS Health) with 11 plans, Devoted Health with 22 plans, Elevance Health (Anthem) with 3 plans, Elevate Medicare Advantage with 2 plans, HealthSpring with 7 plans, Humana with 17 plans, Kaiser Permanente with 11 plans, Longevity Health Plan with 1 plan, Perennial Advantage with 3 plans, Select Health with 5 plans, and UnitedHealthcare with 22 plans.

Several carriers — Aetna, Devoted, Elevance Health, Elevate, HealthSpring, Humana, Kaiser Permanente and UnitedHealthcare — also offer D-SNP plans in Colorado for 2027. The carrier table on this page shows how many plans and plan types each one brings to the state. Whether a specific carrier's plan is sold in a given Colorado county is a separate question answered by the Plan Finder.

How do I compare the Medicare Advantage plans in my Colorado county for 2027?

The simplest way is to work through the same checklist for every plan on your short list, using the plan's own documents and the Medicare Plan Finder at medicare.gov. The CMS file tells you a plan exists; the Plan Finder tells you what it costs and covers for you.

A step-by-step approach:

1. Doctors. List the primary care provider and specialists you want to keep. Check each plan's current provider directory, and call the office to confirm they will accept the plan in 2027. 2. Hospitals. Confirm your preferred hospital system — for many Coloradans that is a UCHealth, HealthONE, Centura/CommonSpirit, SCL Health/Intermountain, Denver Health or Banner facility — is in network under the plan for 2027. 3. Prescriptions. Enter every medication, exact dose and quantity, into the Plan Finder. The formulary and tier placement drive your drug costs more than the sticker premium. 4. Pharmacies. Check whether your usual pharmacy is a preferred, standard or out-of-network pharmacy under the plan; the difference can be significant. 5. Annual Notice of Change (ANOC). If you are already in a Medicare Advantage plan, read the ANOC mailed in September. It lists what changes in your current plan for 2027. 6. Medicare Plan Finder. Run the comparison at medicare.gov using your ZIP code so you only see plans sold in your county.

What should Colorado residents do before December 7, 2026?

Before December 7, 2026, confirm one of two things: either your current Medicare plan is still the right fit for 2027, or you have actively enrolled in a different one. Choices made during the October 15 – December 7, 2026 window take effect January 1, 2027.

If your current plan is one of the 30 not returning for 2027, you will get a non-renewal notice from the carrier; you will need to pick a new plan or you will fall back to Original Medicare. If you are curious about any of the 27 new 2027 plans, check the Plan Finder to see whether they are offered in your county. There is no penalty for staying put if your current plan still works for you.

Where can Coloradans get free help comparing Medicare plans for 2027?

Free, official help is available in two places. Medicare.gov hosts the Plan Finder, personalized to your ZIP code and prescriptions, and 1-800-MEDICARE is staffed 24 hours a day, seven days a week, in English, Spanish and other languages through interpreters. Both are run by CMS and neither charges a fee.