Medicare Advantage
UnitedHealthcare Medicare Advantage in Colorado for 2027: 22 Plans, County by County
DENVER — For the 2027 plan year, UnitedHealthcare is offering 22 Medicare Advantage plans across Colorado, according to the Centers for Medicare & Medicaid Services (CMS) Landscape Source Files. That total includes a mix of HMO-POS and PPO plans, several Special Needs Plans, and most plans paired with Part D drug coverage. Because Medicare Advantage is sold county by county, a plan on the statewide list may or may not be available where you live.
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Key takeaways
- UnitedHealthcare lists 22 Medicare Advantage plans in Colorado for 2027, including 19 HMO-POS and 3 PPO plans.
- Of those 22 plans, 20 include Part D drug coverage, and 10 are Special Needs Plans (6 D-SNP, 3 C-SNP, 1 I-SNP).
- 3 UnitedHealthcare plans are new for 2027 and 9 of its 2026 plans are not returning; county availability still varies.
- Annual Enrollment runs October 15 through December 7, 2026, and any choice made in that window takes effect January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
This article is published by an independent Medicare education site. We are privately owned and not affiliated with the federal government or with UnitedHealthcare. Our goal is to help Colorado readers understand what the CMS files show for 2027 so they can look up the specifics themselves at medicare.gov.
What UnitedHealthcare Medicare Advantage plans are available in Colorado for 2027?
UnitedHealthcare has 22 Medicare Advantage plans listed statewide in Colorado for 2027, per the CMS Landscape Source File. By plan type, that breaks down to 19 HMO-POS plans and 3 PPO plans. Twenty of the 22 plans include Part D prescription drug coverage; two are offered without drug coverage.
Ten of the 22 are Special Needs Plans designed for specific populations: 6 Dual-eligible Special Needs Plans (D-SNP) for people enrolled in both Medicare and Medicaid, 3 Chronic Condition Special Needs Plans (C-SNP), and 1 Institutional Special Needs Plan (I-SNP). UnitedHealthcare is one of 11 carriers offering Medicare Advantage in Colorado for 2027; all carriers together list 104 plans statewide.
Which UnitedHealthcare Medicare Advantage plans reach the most Colorado counties in 2027?
The widest county reach for UnitedHealthcare in Colorado for 2027 belongs to UHC Dual Complete CO-Q1 (HMO-POS D-SNP), listed in 64 counties. Two other D-SNP plans — UHC Dual Advantage CO-V1 (PPO D-SNP) and UHC Dual Complete CO-Q2 (PPO D-SNP) — are each listed in 40 counties, and UHC Dual Complete CO-S4 (HMO-POS D-SNP) is listed in 37 counties.
Beyond the dual-eligible plans, UHC Nursing Home Plan CO-F001 (PPO I-SNP) appears in 12 counties, and several AARP Medicare Advantage HMO-POS plans and the UHC Complete Care C-SNP plans show county counts ranging from 1 to 7. The full county counts for every plan are in the table on this page.
What is new or not returning from UnitedHealthcare in Colorado for 2027?
UnitedHealthcare is introducing 3 plans in Colorado for 2027 and is not renewing 9 of its 2026 plans, according to the CMS year-over-year comparison. The new plans listed are three variants of UHC Dual Complete CO-S4 and UHC Dual Complete CO-S5 (all HMO-POS D-SNPs), offered in 37, 18, and 9 counties respectively.
Several existing D-SNPs were also renamed for 2027. UHC Dual Complete CO-V001 (PPO D-SNP) is now UHC Dual Advantage CO-V1 (PPO D-SNP); UHC Dual Complete CO-S002 (HMO-POS D-SNP) is now UHC Dual Complete CO-Q1; and UHC Dual Complete CO-S001 (PPO D-SNP) is now UHC Dual Complete CO-Q2. If you were enrolled in a plan that is not returning, you will get a non-renewal notice from the plan and have options during Annual Enrollment 2027.
How do I check whether a UnitedHealthcare plan is offered in my Colorado county and covers my doctors and drugs?
To confirm whether a specific UnitedHealthcare plan is offered in your Colorado county for 2027 — and whether it covers your doctors, hospitals, and prescriptions — use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. Enter your ZIP code and your prescriptions, and the tool will show the plans available in your county with their current details.
Because Medicare Advantage is sold county by county, a plan on UnitedHealthcare's statewide list may not be offered in your county, and county reach can differ from one plan to the next. For network and formulary questions, the authoritative documents are the plan's Evidence of Coverage, Summary of Benefits, provider directory, and drug list — all available from the plan itself. If you take specific medications or see specific providers, check each one by name before enrolling.
What should Colorado Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, review any Annual Notice of Change (ANOC) letter from your current plan and compare it against other plans available in your Colorado county for 2027. Annual Enrollment runs October 15 through December 7, 2026, and the choice you make — or don't make — takes effect January 1, 2027.
A short checklist: read the ANOC that arrives in the fall; list your prescriptions, pharmacies, and providers; run those details through the Plan Finder at medicare.gov; and confirm anything important directly with the plan. If you are happy with your current coverage and it is returning for 2027, you generally don't need to do anything to stay enrolled.
Where can Colorado residents get free help with Medicare questions for 2027?
Free, unbiased Medicare help is available directly from the federal Medicare program. Call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, any time of day, any day of the week, or go to medicare.gov to use the Plan Finder and read official plan materials.
You can also contact a plan directly for its Evidence of Coverage, Summary of Benefits, provider directory, or drug list. These documents — not marketing summaries — are what govern what a plan actually covers.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Colorado for 2027
CMS lists 22 UnitedHealthcare Medicare Advantage plans across Colorado for 2027, alphabetically by carrier, widest county reach first. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 22 plans | |||
| UHC Dual Complete CO-Q1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 64 |
| UHC Dual Advantage CO-V1 (PPO D-SNP) | PPO D-SNP | Yes | 40 |
| UHC Dual Complete CO-Q2 (PPO D-SNP) | PPO D-SNP | Yes | 40 |
| UHC Dual Complete CO-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 37 |
| UHC Dual Complete CO-S4 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 18 |
| UHC Nursing Home Plan CO-F001 (PPO I-SNP) | PPO I-SNP | Yes | 12 |
| UHC Dual Complete CO-S5 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 9 |
| AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS) | HMO-POS | Yes | 7 |
| AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS) | HMO-POS | Yes | 7 |
| AARP Medicare Advantage from UHC CO-0001 (HMO-POS) | HMO-POS | Yes | 7 |
| AARP Medicare Advantage from UHC CO-21P (HMO-POS) | HMO-POS | Yes | 7 |
| AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS) | HMO-POS | No | 7 |
| UHC Complete Care CO-1P (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 7 |
| AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS) | HMO-POS | No | 6 |
| UHC Complete Care CO-19 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 5 |
| AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage from UHC CO-0003 (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage from UHC CO-0011 (HMO-POS) | HMO-POS | Yes | 4 |
| AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) | HMO-POS | Yes | 2 |
| AARP Medicare Advantage from UHC CO-0003 (HMO-POS) | HMO-POS | Yes | 2 |
| UHC Complete Care CO-2P (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 1 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How UnitedHealthcare Medicare Advantage plans across Colorado break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many UnitedHealthcare Medicare Advantage plans are offered in Colorado for 2027?
Does every UnitedHealthcare plan on the Colorado list serve my county?
What is new from UnitedHealthcare in Colorado for 2027, and what is leaving?
When can I make a change for 2027 coverage?
Watch
The Medicare Advantage changes for 2027 in every state, in 30 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — MA Landscape Source File (CY2027): the Colorado plan counts, plan types, SNP counts, drug-coverage counts, and county reach for UnitedHealthcare.
- CMS — MA Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing new plans, non-renewals, and renamed plans.
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
- Medicare.gov — Medicare Plan Finder and 1-800-MEDICARE: how to confirm county availability, networks, and drug coverage.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.