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By YourBest Editorial Team · Updated · How we rank

Spring 2026 rates · Colorado official rate guide · Ranked by math

Cheapest Medigap Plan G and Plan N in Colorado

Plan G from one insurer covers exactly what Plan G from any other covers, so price is the main difference. We rank every insurer in Colorado’s official rate guide by its yearly premium at 65.

28insurers ranked
$1,536lowest yearly Plan G premium at 65
$1,116lowest yearly Plan N premium at 65
$3,180gap between the cheapest and priciest Plan G
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What these rates are. Monthly premiums at age 65 for a non-smoker in Denver ZIP code 80202, female and male, as insurers reported them to the Colorado Division of Insurance in spring 2026. Other ZIP codes may cost more or less. The state’s chart also has sheets for ages 70, 75 and 80, but they contain copy and column errors, so we use the age-65 sheets only. Source: the Colorado Division of Insurance, rates reported by insurers in spring 2026; chart posted October 13, 2026. Rates change during the year and your quote depends on your age, ZIP code, health and when you apply, so treat this as a shortlist and get quotes.

Showing: Female.

Plan G, ranked

Plan G covers everything Medicare-approved except the Part B deductible. What each plan covers.

#InsurerMonthly at 65Yearly at 65Pricing
1 Atlantic Capital Life Assurance InsuranceRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD $128 $1,536 Attained age
2 Lifeshield National Insurance Co.Rate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $143 $1,716 Attained age
3 Washington National Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $144 $1,728 Attained age
4 MedMutual Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($15)One-time policy fee: $15 $153 $1,836 Attained age
5 Insurance Company of North AmericaRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $154 $1,848 Attained age
6 Physicians Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $158 $1,896 Attained age
7 Monitor Life Insurance Company of New YorkRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $165 $1,980 Attained age
8 Old Surety Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: IA, AC, HD, PF ($20) Pre-Ex (6)Pre-existing condition waiting period: 6 monthsOne-time policy fee: $20 $170 $2,040 Issue age
9 Woodmen of the World Life Insurance SocietyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD PF ($25)One-time policy fee: $25 $181 $2,172 Attained age
10 Anthem Blue Cross and Blue ShieldRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $183 $2,196 Attained age
11 The EPIC Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $183 $2,196 Attained age
12 HealthSpring Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $186 $2,232 Attained age
13 Medico Corp Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $186 $2,232 Attained age
14 Nassau Life Insurance Company of KansasRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD, PF ($25)One-time policy fee: $25 $191 $2,292 Attained age
15 First Health Life & Health Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD $196 $2,352 Attained age
16 United American Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, Pre-Ex (2)Pre-existing condition waiting period: 2 months $204 $2,448 Attained age
17 State Farm Mutual Automobile Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $205 $2,460 Attained age
18 Humana Benefit Plan of Illinois Inc.Rate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, IA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $206 $2,472 Attained age / Issue age
19 Federal Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $208 $2,496 Attained age
20 Tier One Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD, PF ($20)One-time policy fee: $20 $219 $2,628 Attained age
21 USAA Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD $221 $2,652 Attained age
22 HealthSpring National Health Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, Pre-Ex (2)Pre-existing condition waiting period: 2 months $225 $2,700 Attained age
23 Omaha Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $232 $2,784 Attained age
24 Everence Association, Inc.Rate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: IA, AC, HD $238 $2,856 Issue age
25 Transamerica Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: IA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $254 $3,048 Issue age
26 Aetna Health Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD, PF ($20)One-time policy fee: $20 $302 $3,624 Attained age
27 GPM Health and Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $337 $4,044 Attained age
28 Guarantee Trust Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $351 $4,212 Attained age

Plan N, ranked

Plan N costs less but you pay up to $20 for some office visits, up to $50 for an ER visit that doesn’t lead to admission, and any Part B excess charges. The last column compares each insurer’s Plan N with its own Plan G. Which one comes out ahead.

#InsurerMonthly at 65Yearly at 65Pricingvs. same insurer’s Plan G
1 Atlantic Capital Life Assurance InsuranceRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD $93 $1,116 Attained age $420 a year less= 21 office visits at the $20 copay
2 Insurance Company of North AmericaRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $103 $1,236 Attained age $612 a year less= 30 office visits at the $20 copay
3 MedMutual Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($15)One-time policy fee: $15 $104 $1,248 Attained age $588 a year less= 29 office visits at the $20 copay
4 Lifeshield National Insurance Co.Rate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $105 $1,260 Attained age $456 a year less= 22 office visits at the $20 copay
5 HealthSpring Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $110 $1,320 Attained age $912 a year less= 45 office visits at the $20 copay
6 Humana Benefit Plan of Illinois Inc.Rate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, IA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $115 $1,380 Attained age / Issue age $1,092 a year less= 54 office visits at the $20 copay
7 First Health Life & Health Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD $119 $1,428 Attained age $924 a year less= 46 office visits at the $20 copay
8 Washington National Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $124 $1,488 Attained age $240 a year less= 12 office visits at the $20 copay
9 Monitor Life Insurance Company of New YorkRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $125 $1,500 Attained age $480 a year less= 24 office visits at the $20 copay
10 Tier One Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD, PF ($20)One-time policy fee: $20 $125 $1,500 Attained age $1,128 a year less= 56 office visits at the $20 copay
11 Federal Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $126 $1,512 Attained age $984 a year less= 49 office visits at the $20 copay
12 Woodmen of the World Life Insurance SocietyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD PF ($25)One-time policy fee: $25 $131 $1,572 Attained age $600 a year less= 30 office visits at the $20 copay
13 Omaha Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $134 $1,608 Attained age $1,176 a year less= 58 office visits at the $20 copay
14 Medico Corp Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $135 $1,620 Attained age $612 a year less= 30 office visits at the $20 copay
15 Nassau Life Insurance Company of KansasRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD, PF ($25)One-time policy fee: $25 $139 $1,668 Attained age $624 a year less= 31 office visits at the $20 copay
16 HealthSpring National Health Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, Pre-Ex (2)Pre-existing condition waiting period: 2 months $153 $1,836 Attained age $864 a year less= 43 office visits at the $20 copay
17 State Farm Mutual Automobile Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $156 $1,872 Attained age $588 a year less= 29 office visits at the $20 copay
18 USAA Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD $159 $1,908 Attained age $744 a year less= 37 office visits at the $20 copay
19 Anthem Blue Cross and Blue ShieldRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $160 $1,920 Attained age $276 a year less= 13 office visits at the $20 copay
20 The EPIC Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $166 $1,992 Attained age $204 a year less= 10 office visits at the $20 copay
21 Aetna Health Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD, PF ($20)One-time policy fee: $20 $185 $2,220 Attained age $1,404 a year less= 70 office visits at the $20 copay
22 Transamerica Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: IA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $217 $2,604 Issue age $444 a year less= 22 office visits at the $20 copay
23 United American Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, Pre-Ex (2)Pre-existing condition waiting period: 2 months $220 $2,640 Attained age $192 a year more
24 GPM Health and Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $255 $3,060 Attained age $984 a year less= 49 office visits at the $20 copay
25 Guarantee Trust Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $281 $3,372 Attained age $840 a year less= 42 office visits at the $20 copay

High-deductible Plan G

Same benefits as Plan G after you pay a yearly deductible ($2,950 in 2026), so it isn’t ranked against standard plans. A low premium here means you carry more of the risk yourself.

#InsurerMonthly at 65Yearly at 65Pricing
1 Atlantic Capital Life Assurance InsuranceRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, HD $46 $552 Attained age
2 Washington National Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $46 $552 Attained age
3 Humana Benefit Plan of Illinois Inc.Rate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, IA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $53 $636 Attained age / Issue age
4 MedMutual Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($15)One-time policy fee: $15 $55 $660 Attained age
5 Insurance Company of North AmericaRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, PF ($25)One-time policy fee: $25 $56 $672 Attained age
6 HealthSpring Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD, Pre-Ex (6)Pre-existing condition waiting period: 6 months $57 $684 Attained age
7 Monitor Life Insurance Company of New YorkRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $60 $720 Attained age
8 United American Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, Pre-Ex (2)Pre-existing condition waiting period: 2 months $60 $720 Attained age
9 Woodmen of the World Life Insurance SocietyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD PF ($25)One-time policy fee: $25 $62 $744 Attained age
10 Medico Corp Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $64 $768 Attained age
11 Omaha Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $64 $768 Attained age
12 Physicians Life Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: AA, AC, HD $77 $924 Attained age

Plans with membership or eligibility limits

These plans appear in the Colorado guide but aren’t open to every resident (for example, AARP plans require AARP membership) or are Medicare SELECT plans with a provider network, so we list them as published instead of ranking them.

InsurerPlanPremiums as publishedWhy not ranked
AARP/UnitedHealthcare Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: CR, AC, HD, Pre-Ex (3)Pre-existing condition waiting period: 3 months G age 65: $207Monthly premium AARP membership
AARP/UnitedHealthcare Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: CR, AC, HD, Pre-Ex (3)Pre-existing condition waiting period: 3 months N age 65: $179Monthly premium AARP membership
AARP/UnitedHealthcare Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: CR, AC, HD, Pre-Ex (3)Pre-existing condition waiting period: 3 months G age 65: $223Monthly premium AARP membership
AARP/UnitedHealthcare Insurance CompanyRate class: Non-smoker, ZIP 80202 (Denver)Codes in the Colorado chart: CR, AC, HD, Pre-Ex (3)Pre-existing condition waiting period: 3 months N age 65: $202Monthly premium AARP membership

How we rank

We take each insurer’s premium for Plan G and Plan N at 65 straight from Colorado’s official guide and multiply monthly premiums by 12 to get the yearly cost. Each insurer appears once, at its best published rate class that isn’t a tobacco rate. Lower ranks higher; ties go to the lower premium at 75 where the guide shows it, then the insurer’s name. We don’t estimate, round or adjust any premium. Full methodology.

The cheapest policy at 65 isn’t always the cheapest later. An attained-age policy goes up as you get older, an issue-age policy is priced on your age when you buy, and a community-rated policy charges everyone the same. How the three methods compare.

Before you buy: get a written quote from the insurer, ask how its rates have risen, and check Medicare.gov’s Medigap policy search. Your State Health Insurance Assistance Program gives free, unbiased help. Buying during your Medigap Open Enrollment Period means insurers can’t turn you down or charge more for health problems.

Questions

What is the cheapest Medigap Plan G in Colorado?

In the rate guide from the Colorado Division of Insurance (rates reported by insurers in spring 2026; chart posted October 13, 2026), the lowest Plan G premium at 65 from an insurer open to all applicants is: Female: Atlantic Capital Life Assurance Insurance, $1,536 a year ($128 a month); Male: Atlantic Capital Life Assurance Insurance, $1,764 a year ($147 a month). Your own quote depends on your age, ZIP code, health and the date you apply.

What is the cheapest Medigap Plan N in Colorado?

Female: Atlantic Capital Life Assurance Insurance, $1,116 a year ($93 a month); Male: Atlantic Capital Life Assurance Insurance, $1,284 a year ($107 a month). Plan N has copays of up to $20 for some office visits and up to $50 for emergency room visits and doesn’t cover Part B excess charges, which is why it usually costs less than Plan G.

How much do Plan G premiums vary between insurers in Colorado?

Plan G benefits are the same from every insurer, but in this guide the yearly premium at 65 runs from $1,536 to $4,716. Insurers also price future increases differently (attained-age, issue-age or community-rated), so compare the older-age premiums too where they’re shown.

Where do these Colorado Medigap rates come from?

From the Colorado Division of Insurance: “2026-2027 Medigap Premium Charts” (rates reported by insurers in spring 2026; chart posted October 13, 2026). We copy the premiums exactly as published and rank them; we don’t estimate or adjust them. Monthly premiums at age 65 for a non-smoker in Denver ZIP code 80202, female and male, as insurers reported them to the Colorado Division of Insurance in spring 2026. Other ZIP codes may cost more or less. The state’s chart also has sheets for ages 70, 75 and 80, but they contain copy and column errors, so we use the age-65 sheets only.

Sources

Rates exactly as published by the state (rates reported by insurers in spring 2026; chart posted October 13, 2026).

  1. Colorado Division of Insurance, “2026-2027 Medigap Premium Charts” (rates reported by insurers in spring 2026; chart posted October 13, 2026) — doi.colorado.gov.
  2. CMS and NAIC, “Choosing a Medigap Policy” (CMS Product No. 02110, March 2026) — medicare.gov.
  3. Medicare.gov, “Compare Medigap plan benefits” (2026 high-deductible amount) — medicare.gov.

Educational information, not a recommendation to buy any policy. 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. Insurers don’t pay to be listed or ranked. · Advertiser disclosure

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