Colorado residents can enroll in Original Medicare (parts A and B) or a Medicare Advantage (Part C) plan. For more coverage, Original Medicare enrollees can get a Medigap or a Part D plan.

Are you shopping for a Medicare plan in Colorado? There are plans available to suit every need.

Continue reading to discover your options before choosing a plan, and learn everything you need to know about Medicare plans in Colorado.

The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in Colorado for the 2025 plan year:

  • A total of 1,028,799 residents of Colorado are enrolled in Medicare.
  • The average Medicare Advantage monthly premium decreased in Colorado from $15.11 in 2024 to $12.20 in 2025.
  • There are 120 Medicare Advantage plans available in Colorado for 2025, compared to 132 plans in 2024.
  • All Colorado residents with Medicare have access to buy a Medicare Advantage plan, and 99.7% of residents can access plans with $0 premiums.
  • There are 16 stand-alone Part D prescription drug plans available in Colorado for 2025 for individuals with Original Medicare.

Original Medicare

Original Medicare (Part A and Part B) covers hospital and general medical care. If you’re 65 or older, this government-funded health insurance program will help cover your health costs. You may also qualify for Medicare if you are under 65 and have a disability or chronic condition.

Coverage under Original Medicare includes:

Medicare Advantage in Colorado

Medicare Advantage (Part C) provides comprehensive coverage through private health insurance companies.

A Medicare Advantage plan covers all the basics, like hospital and medical costs, and many plans also offer prescription drug coverage. You can also get extra coverage for:

  • vision
  • dental
  • hearing
  • wellness programs
  • transportation to medical appointments

Each county in Colorado has unique Medicare Advantage plan options, with different rates, coverage options, and network providers. The following carriers offer a range of Advantage Plans to Colorado residents.

Carriers vary by county, so make sure you select a plan that’s available in your area.

Medicare supplement plans in Colorado

Original Medicare doesn’t pay for all healthcare costs. Depending on your needs, you may decide to get Medicare supplement insurance, also called Medigap. These policies can help you pay for deductibles, coinsurance, and copayments.

In Colorado, many insurance companies offer Medigap plans. Some of the companies offering Medigap plans throughout the state include:

To be eligible for a Medicare Advantage plan, you’ll need to be 65 or older and meet the following criteria:

  • be enrolled in Original Medicare, either Part A or B (if you collect Railroad Retirement Board or Social Security benefits, you will be automatically enrolled in Original Medicare)
  • be a U.S. citizen or permanent resident
  • have paid Medicare payroll taxes while working for at least 10 years

You may also qualify if you’re under 65 and have a disability or chronic condition like end stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

When can I enroll in a Medicare Advantage plan in Colorado?

You’ll be able to apply during your initial enrollment period (IEP), which starts 3 months before your 65th birthday month and ends 3 months after your birthday month.

You may also qualify for a special enrollment period if you’re no longer insured at work or have a disability.

After the IEP, you can enroll in a Medicare Advantage plan or a Part D drug plan or switch between providers during the Part C and D open enrollment period from October 15 to December 7.

You can also enroll in Original Medicare or drop your Medicare Part C plan with Part D coverage from January 1 to March 31.

Before enrolling in a Medicare Advantage plan, you’ll first need to enroll in Original Medicare.

Tips for enrolling in Medicare in Colorado

Before you enroll in a Medicare plan, think carefully about what kind of coverage you need.

When shopping for the right plan for you, you can read reviews of several carriers, and analyze costs. Compare plans by looking at deductibles, drug coverage or copays, the plan premium, and the plan’s network.

Ask yourself these questions:

  • How much are my current premiums, deductibles, and other healthcare costs, and do I have the coverage I need?
  • Am I happy with my current doctor, or would I be willing to switch to a network doctor? As part of your search, call your doctor’s office to ask what plans they accept. Look for a plan that will cover your doctor’s appointments, or search for a network doctor. Some plans may have a narrow network that only covers a specific geographic area.
  • How much do I pay out of pocket per year for prescription medication? If you take regular medications, a prescription drug plan or an Advantage plan may save you money.
  • Is there a better pharmacy nearby? Switching your pharmacy can also help lower medication costs. The pharmacy on the corner is convenient, but a pharmacy across town could provide better coverage and save you money on your monthly prescriptions.

For more information on Original Medicare and Medicare Advantage plans in Colorado, reach out for help. You can find more information by contacting:

  • State Health Insurance Assistance Program (SHIP): You can speak with a SHIP counselor by calling 888-696-7213 to get more information on Medicare, receive enrollment assistance, and find out if you qualify for Low Income Assistance Programs to help cover Medicare costs in Colorado.
  • Colorado Department of Regulatory Agencies (888-696-7213): Find SHIP Locations, learn about prescription drug benefits, get Medicare basics, and discover senior Medicare patrol.
  • Old Age Pension Health and Medical Care Program (OAP): If you receive an Old Age Pension but do not qualify for Health First Colorado, you can get assistance. Contact numbers vary by county.
  • Prescription drug discount resources: Find information on purchasing lower cost prescription medication, and learn more about patient assistance programs.
  • Medicare (800-633-4227): Get more information on Medicare plans, coverage, and carriers in Colorado.
  • Railroad Retirement Board (877-772-5772): If you qualify for benefits from the Railroad Retirement Board, find the information you need by contacting them directly.

Evaluate your health insurance in 2025, and find the Medicare Advantage plan that works for you.

Choose the type of Medicare Advantage plan you need, and determine your budget. Then compare Advantage Plans in Colorado, and make sure the plans you’re looking at are available in your county.

Once you’ve found the right plan, visit the carrier’s website for more information, fill out a paper enrollment form, or call the carrier to start the application process on the phone.

Whether you opt for Original Medicare coverage or a Medicare Advantage plan, carefully evaluate your options and prepare for a healthy year.