Best Medicare Advantage Plans in Colorado for 2027
Every general-audience Medicare Advantage plan with drug coverage in Colorado, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Colorado plans, ranked
Showing all 59 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Perennial Advantage Freedom (HMO-POS)Perennial Advantage · HMO-POS6 of 52 counties · drug deductible $0Dental up to $3,000/yr · eyewear $250/yr · hearing aids $1,350/yr | $0 | $3,500 | $3,500 | Not rated |
| 2 | Kaiser Permanente Senior Advantage Silver DM (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $1,500/yr · eyewear $300/yr · hearing aids $400/yr per ear · OTC items $100/yr | $48 | $3,600 | $4,176 | 4★ |
| 3 | AARP Medicare Advantage from UHC CO-21P (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $4,200 | $4,200 | 4★ |
| 4 | Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $1,000/yr · eyewear $250/yr · hearing aids $300/yr per ear · OTC items $80/yr | $0 | $4,400 | $4,400 | 4★ |
| 5 | AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $4,450 | $4,450 | 4★ |
| 6 | DEVOTED CORE 004 CO (HMO)Devoted Health · HMO11 of 52 counties · drug deductible $465Dental up to $3,500/yr · eyewear $350/yr · OTC items $400/yr | $0 | $4,450 | $4,450 | 4★ |
| 7 | AARP Medicare Advantage from UHC CO-0001 (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $595Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $56 | $3,900 | $4,572 | 4★ |
| 8 | Humana Total Complete (HMO)Humana · HMO3 of 52 counties · drug deductible $0Dental up to $1,750/yr · eyewear $250/yr | $0 | $4,650 | $4,650 | Not rated |
| 9 | AARP Medicare Advantage from UHC CO-0003 (HMO-POS)UnitedHealthcare · HMO-POS2 of 52 counties · drug deductible $595Preventive dental · eyewear $125/yr · hearing aids $1,000/yr | $32 | $4,300 | $4,684 | 4★ |
| 10 | Humana Total Complete (HMO)Humana · HMO7 of 52 counties · drug deductible $0Dental up to $2,500/yr · eyewear $100/yr | $0 | $4,750 | $4,750 | 4.5★ |
| 11 | Humana Total Complete (HMO)Humana · HMO3 of 52 counties · drug deductible $0Dental up to $500/yr · eyewear $350/yr | $0 | $4,825 | $4,825 | Not rated |
| 12 | DEVOTED CORE 001 CO (HMO)Devoted Health · HMO18 of 52 counties · drug deductible $461Part B giveback $2.10/mo · Dental up to $3,500/yr · eyewear $350/yr · OTC items $400/yr | $0−$2.10 Part B giveback | $4,900 | $4,875 | 4★ |
| 13 | Select Health Medicare Essential (HMO)Select Health · HMO9 of 52 counties · drug deductible $300Dental up to $3,300/yr · eyewear $200/yr · OTC items $80/yr | $0 | $4,900 | $4,900 | 4★ |
| 14 | Select Health Medicare Essential (HMO)Select Health · HMO2 of 52 counties · drug deductible $300Dental up to $2,500/yr · eyewear $200/yr · OTC items $80/yr | $0 | $4,900 | $4,900 | 4★ |
| 15 | AARP Medicare Advantage from UHC CO-0003 (HMO-POS)UnitedHealthcare · HMO-POS4 of 52 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $44 | $4,450 | $4,978 | 4★ |
| 16 | Humana Total Complete (HMO)Humana · HMO8 of 52 counties · drug deductible $0Dental up to $2,500/yr · eyewear $250/yr | $0 | $4,980 | $4,980 | 4.5★ |
| 17 | Aetna Medicare Prime (HMO)Aetna Medicare · HMO5 of 52 counties · drug deductible $400Dental up to $1,250/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $5,000 | $5,000 | 4★ |
| 18 | Kaiser Permanente Senior Advantage Silver North (HMO-POS)Kaiser Permanente · HMO-POS2 of 52 counties · drug deductible $0Dental up to $1,500/yr · eyewear $250/yr · hearing aids $400/yr per ear · OTC items $100/yr | $55 | $4,400 | $5,060 | 4★ |
| 19 | Kaiser Permanente Senior Advantage Enhanced (HMO-POS)Kaiser Permanente · HMO-POS4 of 52 counties · drug deductible $0Dental up to $1,500/yr · eyewear $300/yr · hearing aids $400/yr per ear · OTC items $100/yr | $59 | $4,400 | $5,108 | 4★ |
| 20 | HumanaChoice H5216-223 (PPO)Humana · PPO40 of 52 counties · drug deductible $300Dental up to $2,500/yr · eyewear $300/yr | $20 | $4,900 | $5,140 | 4★ |
| 21 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 52 counties · drug deductible $500Dental up to $800/yr · eyewear $125/yr · OTC items $60/yr | $0 | $5,150 | $5,150 | Not rated |
| 22 | AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS)UnitedHealthcare · HMO-POS4 of 52 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,200 | $5,200 | 4★ |
| 23 | AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS)UnitedHealthcare · HMO-POS2 of 52 counties · drug deductible $685Part B giveback $16/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$16 Part B giveback | $5,500 | $5,308 | 4★ |
| 24 | Humana Essentials Plus Giveback (HMO)Humana · HMO7 of 52 counties · drug deductible $50Part B giveback $75/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$75 Part B giveback | $6,500 | $5,600 | 4.5★ |
| 25 | Kaiser Permanente Senior Advantage Gold (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $1,500/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $140/yr | $194 | $3,300 | $5,628 | 4★ |
| 26 | DEVOTED GIVEBACK EXTRAS 019 CO (HMO)Devoted Health · HMO11 of 52 counties · drug deductible $700Part B giveback $90/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $800/yr | $0−$90 Part B giveback | $6,750 | $5,670 | 4★ |
| 27 | AARP Medicare Advantage from UHC CO-0011 (HMO-POS)UnitedHealthcare · HMO-POS4 of 52 counties · drug deductible $685Part B giveback $10/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$10 Part B giveback | $5,900 | $5,780 | Not rated |
| 28 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO5 of 52 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $100/yr | $0 | $5,900 | $5,900 | 4★ |
| 29 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO5 of 52 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0 | $5,900 | $5,900 | 4★ |
| 30 | DEVOTED GIVEBACK EXTRAS 020 CO (HMO)Devoted Health · HMO18 of 52 counties · drug deductible $700Part B giveback $90/mo · Dental up to $2,500/yr · eyewear $400/yr · OTC items $800/yr | $0−$90 Part B giveback | $7,000 | $5,920 | 4★ |
| 31 | DEVOTED CHOICE 002 CO (PPO)Devoted Health · PPO11 of 52 counties · drug deductible $650Part B giveback $10/mo · Dental up to $3,000/yr · eyewear $300/yr · OTC items $48/yr | $0−$10 Part B giveback | $6,050 | $5,930 | 3★ |
| 32 | DEVOTED CHOICE 005 CO (PPO)Devoted Health · PPO10 of 52 counties · drug deductible $650Part B giveback $2/mo · Dental up to $2,000/yr · eyewear $300/yr · OTC items $136/yr | $0−$2 Part B giveback | $6,000 | $5,976 | 3★ |
| 33 | DEVOTED CHOICE 001 CO (PPO)Devoted Health · PPO18 of 52 counties · drug deductible $461Dental up to $3,000/yr · eyewear $300/yr · OTC items $240/yr | $0 | $6,050 | $6,050 | 3★ |
| 34 | Humana Value Choice (PPO)Humana · PPO8 of 52 counties · drug deductible $425Dental up to $5,000/yr · eyewear $250/yr | $0 | $6,200 | $6,200 | 4★ |
| 35 | Humana Value Choice (PPO)Humana · PPO9 of 52 counties · drug deductible $400Dental up to $4,000/yr · eyewear $400/yr | $0 | $6,250 | $6,250 | 4★ |
| 36 | Kaiser Permanente Senior Advantage Core South (HMO-POS)Kaiser Permanente · HMO-POS4 of 52 counties · drug deductible $0Dental up to $1,000/yr · eyewear $100/yr · hearing aids $250/yr per ear · OTC items $80/yr | $0 | $6,400 | $6,400 | 4★ |
| 37 | DEVOTED CORE 014 CO (HMO)Devoted Health · HMO10 of 52 counties · drug deductible $650Dental up to $1,750/yr · eyewear $300/yr · OTC items $300/yr | $0 | $6,600 | $6,600 | 4★ |
| 38 | Kaiser Permanente Senior Advantage Core North (HMO-POS)Kaiser Permanente · HMO-POS2 of 52 counties · drug deductible $0Dental up to $1,000/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $80/yr | $0 | $6,600 | $6,600 | 4★ |
| 39 | Humana Essentials Plus Giveback (PPO)Humana · PPO47 of 52 counties · drug deductible $450Part B giveback $97/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$97 Part B giveback | $7,850 | $6,686 | 4★ |
| 40 | Humana Essentials Plus Giveback (PPO)Humana · PPO7 of 52 counties · drug deductible $450Part B giveback $97/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$97 Part B giveback | $7,850 | $6,686 | 4.5★ |
| 41 | Select Health Medicare Essential (HMO)Select Health · HMO5 of 52 counties · drug deductible $700Preventive dental up to $1,500/yr · eyewear $200/yr · OTC items $140/yr | $0 | $6,700 | $6,700 | 4★ |
| 42 | Kaiser Permanente Senior Advantage Bronze DM (HMO-POS)Kaiser Permanente · HMO-POS11 of 52 counties · drug deductible $0Dental up to $2,000/yr · eyewear $225/yr · hearing aids $300/yr per ear · OTC items $140/yr | $0 | $6,800 | $6,800 | 4★ |
| 43 | AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS)UnitedHealthcare · HMO-POS4 of 52 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $6,900 | $6,900 | 4★ |
| 44 | AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 counties · drug deductible $685Dental up to $2,000/yr · eyewear $125/yr · hearing aids $700/yr | $0 | $6,900 | $6,900 | 4★ |
| 45 | Humana Value Choice (PPO)Humana · PPO8 of 52 counties · drug deductible $425Dental up to $3,000/yr · eyewear $100/yr | $0 | $6,900 | $6,900 | 4.5★ |
| 46 | DEVOTED CHOICE GIVEBACK 003 CO (PPO)Devoted Health · PPO39 of 52 counties · drug deductible $461Part B giveback $169/mo · Dental up to $250/yr · eyewear $200/yr | $0−$169 Part B giveback | $8,950 | $6,922 | 3★ |
| 47 | Select Health Medicare Essential (HMO)Select Health · HMO2 of 52 counties · drug deductible $700eyewear $150/yr | $0 | $7,100 | $7,100 | 4★ |
| 48 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO5 of 52 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 49 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO6 of 52 counties · drug deductible $700Preventive dental · eyewear $150/yr · hearing aids $1,250/yr per ear | $0 | $7,150 | $7,150 | 4★ |
| 50 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 52 counties · drug deductible $500Dental up to $500/yr · eyewear $125/yr | $0 | $7,150 | $7,150 | Not rated |
| 51 | HealthSpring Preferred (HMO)HealthSpring · HMO4 of 52 counties · drug deductible $500Dental up to $500/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | Not rated |
| 52 | HealthSpring Preferred (HMO)HealthSpring · HMO2 of 52 counties · drug deductible $400Dental up to $500/yr · eyewear $100/yr · OTC items $60/yr | $0 | $7,150 | $7,150 | Not rated |
| 53 | DEVOTED GIVEBACK EXTRAS 021 CO (HMO)Devoted Health · HMO10 of 52 counties · drug deductible $700Part B giveback $90/mo · Dental up to $2,000/yr · eyewear $350/yr · OTC items $632/yr | $0−$90 Part B giveback | $8,400 | $7,320 | 4★ |
| 54 | Humana Value Choice (PPO)Humana · PPO21 of 52 counties · drug deductible $400Dental · eyewear $100/yr | $53 | $6,700 | $7,336 | 4★ |
| 55 | Aetna Medicare Value Care (PPO)Aetna Medicare · PPO16 of 52 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · hearing aids $1,250/yr per ear · OTC items $200/yr | $18.40 | $7,150 | $7,371 | 4★ |
| 56 | DEVOTED GIVEBACK 015 CO (HMO)Devoted Health · HMO10 of 52 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $9,850 | $8,434 | 4★ |
| 57 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 52 counties · drug deductible $700 | $0 | $9,500 | $9,500 | 3★ |
| 58 | Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield · HMO-POS11 of 52 counties · drug deductible $325Preventive dental · eyewear $75/yr · hearing aids $500/yr | $0 | $9,850 | $9,850 | 3.5★ |
| 59 | Elevate Medicare Select (HMO)Elevate Medicare Advantage · HMO4 of 52 counties · drug deductible $300Dental up to $2,000/yr · eyewear $220/yr · hearing aids $500/yr · OTC items $160/yr | $0 | $9,850 | $9,850 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 6 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS)UnitedHealthcare · HMO-POS7 of 52 countiesPart B giveback $150/mo · Dental up to $3,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$150 Part B giveback | $5,500 | $3,700 | 4★ |
| 2 | AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS)UnitedHealthcare · HMO-POS6 of 52 countiesPart B giveback $150/mo · Dental up to $2,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$150 Part B giveback | $5,500 | $3,700 | 4★ |
| 3 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO17 of 52 countiesPart B giveback $85/mo · Dental up to $2,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $360/yr | $0−$85 Part B giveback | $5,500 | $4,480 | 4★ |
| 4 | Humana USAA Honor Giveback (PPO)Humana · PPO46 of 52 countiesPart B giveback $135/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$135 Part B giveback | $6,200 | $4,580 | 4★ |
| 5 | Select Health Medicare Veterans (HMO)Select Health · HMO18 of 52 countiesPart B giveback $125/mo · Dental up to $3,500/yr · eyewear $200/yr · OTC items $300/yr | $0−$125 Part B giveback | $6,750 | $5,250 | 4★ |
| 6 | DEVOTED CHOICE MA ONLY 004 CO (PPO)Devoted Health · PPO36 of 52 countiesPart B giveback $166/mo · Dental up to $1,000/yr · eyewear $400/yr | $0−$166 Part B giveback | $7,900 | $5,908 | 3★ |
County pages
Adams County · Arapahoe County · Boulder County · Denver County · Douglas County · El Paso County · Jefferson County · Larimer County · Mesa County · Pueblo County · Weld County
Questions
How many Medicare Advantage plans are available in Colorado for 2027?
CMS lists 59 general-audience Medicare Advantage plans with drug coverage in Colorado for 2027, from 10 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Colorado?
Yes. 49 of the 59 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Colorado Medicare Advantage plan has the lowest worst-case cost?
Perennial Advantage Freedom (HMO-POS) from Perennial Advantage: $0 a month with an in-network out-of-pocket maximum of $3,500, so at most about $3,500 in premiums and in-network costs for the year. It is offered in 6 of 52 counties.
Which Colorado Medicare Advantage plans have 4 or more stars?
44 of the 59 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Colorado Medicare Advantage plans have a Part B giveback?
13 of the 59 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $169 a month, from DEVOTED CHOICE GIVEBACK 003 CO (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Colorado?
The median in-network out-of-pocket maximum among these plans is $6,050. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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