$0 Premium Medicare Advantage Plans in Colorado
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Colorado for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 49 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 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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 |
| 7 | 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★ |
| 8 | 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 |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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 |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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 |
| 20 | 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★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | 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★ |
| 32 | 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★ |
| 33 | 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★ |
| 34 | 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★ |
| 35 | 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★ |
| 36 | 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★ |
| 37 | 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★ |
| 38 | 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★ |
| 39 | Select Health Medicare Essential (HMO)Select Health · HMO2 of 52 counties · drug deductible $700eyewear $150/yr | $0 | $7,100 | $7,100 | 4★ |
| 40 | 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★ |
| 41 | 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★ |
| 42 | 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 |
| 43 | 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 |
| 44 | 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 |
| 45 | 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★ |
| 46 | 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★ |
| 47 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 52 counties · drug deductible $700 | $0 | $9,500 | $9,500 | 3★ |
| 48 | 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★ |
| 49 | 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. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Colorado Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Colorado for 2027?
49 of the 59 general-audience Medicare Advantage plans with drug coverage in Colorado have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Colorado's $0 plans, the lowest in-network maximum is $3,500 and the median is $6,400.
Which $0 premium plan in Colorado has the lowest worst-case cost?
Perennial Advantage Freedom (HMO-POS) from Perennial Advantage, with an in-network out-of-pocket maximum of $3,500. It is sold in 6 of 52 counties.
Do any $0 premium plans in Colorado also have a Part B giveback?
Yes, 13 of them. See the Colorado Part B giveback plans.
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
Keep going
- All Colorado Medicare Advantage plans, ranked →
- Part B giveback plans in Colorado →
- Where $0 plans are disappearing in 2027 →
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