Best Medicare Advantage Plans in Larimer County, CO for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Larimer 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.
Larimer County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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 |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | Select Health Medicare Essential (HMO)Select Health · HMO2 of 52 counties · drug deductible $700eyewear $150/yr | $0 | $7,100 | $7,100 | 4★ |
| 14 | 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★ |
| 15 | 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 |
| 16 | Humana Value Choice (PPO)Humana · PPO21 of 52 counties · drug deductible $400Dental · eyewear $100/yr | $53 | $6,700 | $7,336 | 4★ |
| 17 | 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★ |
| 18 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 52 counties · drug deductible $700 | $0 | $9,500 | $9,500 | 3★ |
| 19 | 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★ |
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: 34 in 2026, 24 in 2027.
- $0-premium plans: 26 in 2026, 19 in 2027.
- Median in-network out-of-pocket maximum: $5,900 in 2026, $6,650 in 2027.
- 25,047 people here were in a general-audience Advantage plan in October 2026; 3,016 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 Larimer County for 2027?
19 general-audience plans with drug coverage, 14 of them with a $0 monthly premium, compared with 34 plans and 26 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Larimer County?
AARP Medicare Advantage from UHC CO-0003 (HMO-POS) from UnitedHealthcare: $32 a month with an in-network out-of-pocket maximum of $4,300, so at most about $4,684 for the year in premiums and in-network costs.
Do any Larimer County plans have a Part B giveback?
5 do. The largest is $169 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 003 CO (PPO).
How many Larimer County plans have 4 or more stars?
13 of 19, 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
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