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HomeMedicare SupplementColoradoMedigap in Colorado for 2027: 24 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Colorado for 2027: 24 Insurers and the Plans They Sell

DENVER — For Coloradans who want Original Medicare paired with a policy that helps with the out-of-pocket costs Medicare leaves behind, a Medicare Supplement — commonly called Medigap — is the tool federal law provides. For the 2027 plan year, Medicare.gov's Medigap policy search for ZIP code 80202 lists 24 insurers selling standardized Medigap policies in Colorado, across plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N.

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Key takeaways

  • Medicare.gov's Medigap search for Colorado's 80202 ZIP code lists 24 insurers and plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N.
  • The best time to buy a Medigap policy is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B.
  • About 30 Medicare Advantage plans offered somewhere in Colorado in 2026 will not be offered anywhere in the state in 2027; members of a non-renewing plan have a federal guaranteed-issue right to buy certain Medigap policies.
  • Medigap does not cover prescriptions, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage starting January 1, 2027.
Happy senior couple at home — illustrating this Medicare guideMedicare SupplementColorado
Photo: Polifoto Image by Polifoto on Pixabay
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Colorado
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Colorado?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay cost-sharing such as coinsurance and deductibles. It is not Medicare Advantage. Medicare Advantage (Part C) replaces the way you get Original Medicare and typically bundles medical and drug coverage with a plan network. With Medigap, you keep Original Medicare and can generally see any provider in the U.S. that accepts Medicare; you pay a monthly premium to the Medigap insurer, and the policy picks up a defined share of the costs Medicare does not pay. You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time.

Which insurers sell Medigap in Colorado for 2027, and which plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 80202 lists 24 insurers for Colorado. What any one person is actually offered can differ by ZIP code and by age, sex and tobacco use. The listed insurers and the plan letters shown for each are:

Within a given letter, the benefits are standardized by federal rule, so a Plan G from one insurer covers the same services as a Plan G from another. Plans C and F are closed to anyone newly eligible for Medicare on or after January 1, 2020. For specific premiums, benefits and whether a policy is available at your ZIP code and age, use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE, or go directly to the insurer.

When is the six-month Medigap Open Enrollment Period in Colorado?

The strongest federal protection for buying a Medigap policy is the one-time, six-month Medigap Open Enrollment Period that starts the month you are 65 or older and enrolled in Medicare Part B. During that window, insurers in Colorado must sell you any Medigap policy they offer, cannot turn you down for health reasons, and cannot charge more because of your health history. Outside that six-month window, in most situations insurers may use medical underwriting, which can affect whether you are offered a policy and at what price.

What happens in Colorado if my Medicare Advantage plan is not returning in 2027?

About 30 Medicare Advantage plans offered somewhere in Colorado in 2026 will not be offered anywhere in the state in 2027, according to the CMS Landscape files. If your Medicare Advantage plan is one that is not returning, federal rules give you a guaranteed-issue right to buy certain Medigap policies — meaning an insurer must sell you one of the plans the right applies to, without medical underwriting, within set time limits. Other guaranteed-issue situations exist too (for example, if you move out of a plan's service area or lose other coverage through no fault of your own). Medicare.gov explains which Medigap plans each right covers and the deadlines to use them.

Does Medigap cover prescription drugs in Colorado?

No. Medigap policies sold today do not include prescription drug coverage, so Coloradans who want help paying for prescriptions typically add a stand-alone Medicare Part D plan. Annual Enrollment runs October 15 – December 7, 2026, with coverage effective January 1, 2027. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum allowable Part D deductible is $700, and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Actual plan premiums are set plan by plan and are shown in the Medicare Plan Finder.

How should Coloradans compare Medigap policies for 2027?

Because benefits within each plan letter are standardized, the practical comparison across insurers comes down to price, how the insurer sets and raises premiums over time, customer service and billing, and whether the insurer offers household or other discounts. Get quotes from more than one insurer for the same plan letter, confirm the quote is for your ZIP code and age, and ask how future rate changes are determined. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which can affect household budgeting for premiums.

Where can Coloradans get free help with Medigap?

Free, personalized Medicare help is available from the federal program itself. Call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week, or go to medicare.gov to use the Medigap policy search and the Medicare Plan Finder. Insurers' own websites and documents are the authoritative source for a specific policy's terms.

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.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Do I have to buy Medigap during Annual Enrollment in Colorado?
No. Medigap has its own enrollment rules. The strongest federal protection to buy a policy is the six-month Medigap Open Enrollment Period that begins when you are 65 or older and enrolled in Part B. Annual Enrollment, October 15 – December 7, 2026, is for Medicare Advantage and Part D choices that take effect January 1, 2027.
Are Medigap benefits the same from every insurer in Colorado?
Within a given plan letter, yes. Federal law standardizes the benefits, so a Plan G or Plan N has the same core benefits no matter which insurer sells it. What can differ is the premium, how the insurer sets and raises premiums, and customer service. Compare the same plan letter across insurers using the Medicare Plan Finder at medicare.gov.
Can I be turned down for a Medigap policy in Colorado?
Inside your six-month Medigap Open Enrollment Period, or when you have a federal guaranteed-issue right (for example, your Medicare Advantage plan is not returning in 2027), insurers cannot turn you down or charge more because of health. Outside those windows, in most situations insurers may use medical underwriting.
Does Medigap work with a Part D drug plan?
Yes. Medigap works with Original Medicare and does not include drug coverage, so you choose a stand-alone Medicare Part D plan separately. For help comparing Part D plans or Medigap options, go to medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search listing of 24 insurers and plan letters offered in ZIP code 80202.
  • CMS Landscape Source Files: the count of Medicare Advantage plans offered in Colorado in 2026 that will not be offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardized plan letters, the six-month Medigap Open Enrollment Period, guaranteed-issue rights, and the closure of Plans C and F to those newly eligible on or after January 1, 2020.
  • CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
  • CMS: the 2027 Part D out-of-pocket cap ($2,400), maximum Part D deductible ($700) and Part D base beneficiary premium ($41.33).
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

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.

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