Best Medicare Advantage Plans in El Paso County, CO for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in El Paso County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
El Paso County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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 |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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 |
| 19 | 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★ |
| 20 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 52 counties · drug deductible $700 | $0 | $9,500 | $9,500 | 3★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 33 in 2026, 25 in 2027.
- $0-premium plans: 27 in 2026, 21 in 2027.
- Median in-network out-of-pocket maximum: $5,500 in 2026, $6,200 in 2027.
- 45,830 people here were in a general-audience Advantage plan in October 2026; 1,517 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS), Aetna Medicare Eagle (PPO), Humana USAA Honor Giveback (PPO), Select Health Medicare Veterans (HMO), DEVOTED CHOICE MA ONLY 004 CO (PPO).
Questions
How many Medicare Advantage plans are in El Paso County for 2027?
20 general-audience plans with drug coverage, 16 of them with a $0 monthly premium, compared with 33 plans and 27 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in El Paso County?
Humana Total Complete (HMO) from Humana: $0 a month with an in-network out-of-pocket maximum of $4,825, so at most about $4,825 for the year in premiums and in-network costs.
Do any El Paso County plans have a Part B giveback?
4 do. The largest is $169 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 003 CO (PPO).
How many El Paso County plans have 4 or more stars?
15 of 20, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
Keep going
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