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  1. 🏠
  2. Medicare Advantage Plans
  3. Colorado
  4. Fremont County

2026 Medicare Advantage Plans in Fremont County, CO

Last update: September 1, 2026.

In Fremont County, CO, there are 29 Medicare Advantage plans available for 2026. Of these, 23 offer a $0 monthly premium, and about 46% are rated 4 stars or higher based on CMS quality ratings.

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Fremont County, CO. Or explore all Medicare Options available in Fremont County, CO.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$9.44/mo
Plans with $0 Premium
23
Average MOOP Limit
$5,670 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 46% · 3 Stars: 54% · Below 3: 0%
Average Part D Deductible
$363.04
Total MA/MAPD Enrollment
5,045
Plans with the Highest Enrollment
(as of September 8, 2026)
1. AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) — 1,952 enrollees
2. AARP Medicare Advantage Extras from UHC CO-20 (HMO-POS) — 613 enrollees
3. DEVOTED CHOICE GIVEBACK 003 CO (PPO) — 328 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
15
Average Monthly Premium
$11.31/mo
Total PPO Enrollment
1,288
$0 Premium PPO Plans
11
Average MOOP
$6,073
Top PPO by Enrollment
DEVOTED CHOICE GIVEBACK 003 CO (PPO) — 328 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Fremont County, Colorado, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,500 N/A H5521-378-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-207-0
Aetna Medicare Value Care
☆☆☆☆☆
$34 $5,500 $615 H5521-443-0
DEVOTED CHOICE 001 CO
☆☆☆☆☆
$0 $5,900 $375 H4808-001-0
DEVOTED CHOICE GIVEBACK 003 CO
☆☆☆☆☆
$0 $7,900 $605 H4808-003-0
DEVOTED CHOICE MA ONLY 004 CO
☆☆☆☆☆
$0 $7,900 N/A H4808-004-0
Humana Essentials Plus Giveback H5216-435
☆☆☆☆☆
$0 $7,850 $0 H5216-435-2
Humana Full Access H5216-333
☆☆☆☆☆
$94 $3,800 $400 H5216-333-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,200 N/A H5216-436-2
Humana Value Choice H5216-078
☆☆☆☆☆
$0 $5,000 $615 H5216-078-2
Humana Value Plus H5216-195
☆☆☆☆☆
$33 $7,050 $615 H5216-195-0
HumanaChoice H5216-223
☆☆☆☆☆
$9 $4,900 $200 H5216-223-0
HumanaChoice H5216-437
☆☆☆☆☆
$0 $4,150 N/A H5216-437-1
HealthSpring True Choice
☆☆☆☆☆
$0 $6,800 $250 H7849-147-0
Kaiser Permanente Senior Advantage Choice South
☆☆☆☆☆
$0 $5,900 $0 H3138-002-0
What is the total number of PPO plans offered in Fremont?

Fremont County has 15 PPO plans for 2026, with 1,288 enrolled.

How much do PPO plans cost in Fremont?

The typical PPO premium in Fremont is $11.31, and 11 plans have no monthly premium.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
6
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
619
$0 Premium HMO Plans
6
Average MOOP
$5,415
Top HMO by Enrollment
Humana Total Complete H0028-081 (HMO) — 309 enrollees
HMO Plans Without Drug Coverage
0

HMO Medicare Advantage plan comparison – Fremont County, Colorado, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Kaiser Permanente Senior Advantage Core South
☆☆☆☆☆
$0 $5,500 $0 H0630-017-0
DEVOTED CORE 001 CO
☆☆☆☆☆
$0 $4,900 $375 H7147-001-0
Anthem Medicare Advantage
☆☆☆☆☆
$0 $9,250 $325 H4346-012-0
Humana Total Complete H0028-081
☆☆☆☆☆
$0 $4,825 $0 H0028-081-2
Clear Spring Health BrightPath Advantage
☆☆☆☆☆
$0 $3,315 $400 H6379-001-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,700 $250 H0672-024-0
What is the average monthly premium for HMO plans?
HMO plans in Fremont cost $0.00 per month on average.
Which HMO plan is most popular in Fremont?
The most popular HMO plan in Fremont is Humana Total Complete H0028-081 (HMO), with 309 enrollees.
How many HMO plans in Fremont do not include drug coverage?
There are 0 HMO plans in Fremont without prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network requirements with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

  • Total HMO-POS Plans 8
  • Average Monthly Premium $13.00/mo
  • Total HMO-POS Enrollment 3,138
  • $0 Premium HMO-POS Plans 6
  • Average MOOP $5,106
  • Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) — 1,952 enrollees
  • HMO-POS Plans Without Drug Coverage 2

HMO-POS Medicare Advantage plan comparison – Fremont County, Colorado, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage Essentials from UHC CO-4
☆☆☆☆☆
$0 $4,200 $520 H0609-036-2
AARP Medicare Advantage Extras from UHC CO-20
☆☆☆☆☆
$0 $5,900 $520 H0609-073-0
AARP Medicare Advantage from UHC CO-0003
☆☆☆☆☆
$49 $3,500 $440 H0609-034-2
AARP Medicare Advantage Patriot No Rx CO-MA02
☆☆☆☆☆
$0 $4,200 N/A H0609-041-0
Kaiser Permanente Senior Advantage Enhanced
☆☆☆☆☆
$55 $4,900 $0 H0630-023-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,500 N/A H4711-010-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $5,900 $615 H3931-154-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H4711-008-0
What is the total number of HMO-POS plans in Fremont?

There are 8 HMO-POS plans in 2026, covering 3,138 enrollees.

How much do HMO-POS plans cost in Fremont?

The average HMO-POS premium in Fremont is $13.00 per month, with 6 plans offering $0 premiums.

What is the leading HMO-POS plan in Fremont?

AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) is the top HMO-POS in Fremont, with 1,952 enrollees.

What is the number of HMO-POS plans without Part D coverage in Fremont?

2 HMO-POS plans in Fremont do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Fremont County, CO for 2026.

CMS Star Ratings for Medicare Advantage Plans in Fremont County, CO (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 13 46%
3 Stars 15 54%
Below 3 Stars 0 0%
Not Rated 1 3%
Average Rating 3.79

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

  • Medicare.gov, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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