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

2026 Medicare Advantage Plans in Larimer County, CO

Last update: September 2, 2026.

For 2026, Larimer County, CO includes 34 Medicare Advantage plans. Enrollment across these plans totals approximately 24,999, with 26 $0 premium options and 42% rated 4 stars or higher.

Totals on this page exclude Medicare Advantage Special Needs Plans (SNPs). SNP plans for Larimer County, CO are provided separately. Or you can discover all Medicare Options in Larimer 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: $9.99/mo
  • $0 Premium Plans: 26
  • Average MOOP: $5,877 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 42% · 3 Stars: 58% · Below 3: 0%
  • Average Part D Deductible: $319.63
  • Total MA/MAPD Enrollment: 24,999
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) — 5,274 enrollees
    2. Humana Total Complete H0028-081 (HMO) — 4,492 enrollees
    3. Humana Essentials Plus Giveback H5216-435 (PPO) — 2,173 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
16
Average Monthly Premium
$15.23/mo
Total PPO Enrollment
7,337
$0 Premium PPO Plans
10
Average MOOP
$6,416
Top PPO by Enrollment
Humana Essentials Plus Giveback H5216-435 (PPO) — 2,173 enrollees
PPO Plans Without Drug Coverage
4

2026 PPO Medicare Advantage plans in Larimer County, Colorado (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,500 N/A H5521-378-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,350 $615 H5521-250-0
Aetna Medicare Value Care
☆☆☆☆☆
$34 $5,500 $615 H5521-443-0
AARP Medicare Advantage from UHC CO-0013
☆☆☆☆☆
$29 $6,700 $600 H2406-104-0
AARP Medicare Advantage from UHC CO-0017
☆☆☆☆☆
$80 $6,700 $600 H2406-110-0
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 USAA Honor Giveback
☆☆☆☆☆
$0 $6,200 N/A H5216-436-2
Humana Value Choice H5216-078
☆☆☆☆☆
$59 $6,750 $615 H5216-078-1
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 North
☆☆☆☆☆
$0 $6,500 $0 H3138-003-0

What is the typical premium for PPO plans available in Larimer?

PPO plans in Larimer cost $15.23 per month on average.

Which PPO plan do most beneficiaries choose in Larimer?

The most popular PPO plan in Larimer is Humana Essentials Plus Giveback H5216-435 (PPO), with 2,173 enrollees.

How many PPO options are offered without drug coverage in Larimer?

4 PPO plans in Larimer do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 11
  • Average Monthly Premium $0.00/mo
  • Total HMO Enrollment 7,906
  • $0 Premium HMO Plans 11
  • Average MOOP $5,751
  • Top HMO by Enrollment Humana Total Complete H0028-081 (HMO) — 4,492 enrollees
  • HMO Plans Without Drug Coverage 1

2026 HMO Medicare Advantage plans in Larimer County, Colorado (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Kaiser Permanente Senior Advantage Core North
☆☆☆☆☆
$0 $5,700 $0 H0630-020-0
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
Select Health Medicare + Kroger
☆☆☆☆☆
$0 $6,275 $0 H1994-030-0
Select Health Medicare Active
☆☆☆☆☆
$0 $6,750 $0 H1994-035-0
Select Health Medicare Essential
☆☆☆☆☆
$0 $4,900 $0 H1994-027-0
Select Health Medicare Flex
☆☆☆☆☆
$0 $5,900 $0 H1994-031-0
Select Health Medicare NoRx
☆☆☆☆☆
$0 $6,750 N/A H1994-033-0
Clear Spring Health BrightPath Advantage
☆☆☆☆☆
$0 $3,315 $400 H6379-001-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,700 $250 H0672-024-0
What is the total number of HMO plans offered in Larimer?

In 2026, Larimer County has 11 HMO plans with 7,906 enrollees.

How much do HMO plans cost in Larimer?

The typical HMO premium in Larimer is $0.00, and 11 plans have no monthly premium.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
7
Average Monthly Premium
$13.71/mo
Total HMO-POS Enrollment
9,756
$0 Premium HMO-POS Plans
5
Average MOOP
$4,843
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) — 5,274 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Larimer County, Colorado (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage Essentials from UHC CO-4
☆☆☆☆☆
$0 $4,900 $520 H0609-036-1
AARP Medicare Advantage from UHC CO-0003
☆☆☆☆☆
$49 $3,500 $440 H0609-034-1
AARP Medicare Advantage Patriot No Rx CO-MA02
☆☆☆☆☆
$0 $4,200 N/A H0609-041-0
Kaiser Permanente Senior Advantage Silver North
☆☆☆☆☆
$47 $4,900 $0 H0630-021-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $5,500 N/A H4711-010-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H4711-008-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $4,150 $615 H3931-153-0
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Larimer cost $13.71 per month on average.
Which HMO-POS plan is most popular in Larimer?
The most popular HMO-POS plan in Larimer is AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS), with 5,274 enrollees.
How many HMO-POS plans in Larimer do not include drug coverage?
There are 2 HMO-POS plans in Larimer without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Larimer County, CO (2026) are summarized below.

Quality Ratings for Medicare Advantage Plans in Larimer County, CO (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 14 42%
3 Stars 19 58%
Below 3 Stars 0 0%
Not Rated 1 3%
Average Rating 3.74

* Star ratings are based on CMS quality measures and reflect plan performance for the 2026 rating period.

  • 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

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 is documented in accordance 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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