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

2027 Medicare Advantage Plans in Larimer County, CO

Last update: October 4, 2026.

In Larimer County, CO, there are 24 Medicare Advantage plans available for 2027. Of these, 19 offer a $0 monthly premium, and about 77% are rated 4 stars or higher based on CMS quality ratings.

  • 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
$7.43/mo
Plans with $0 Premium
19
Average MOOP Limit
$6,529 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 77% · 3 Stars: 23% · Below 3: 0%
Average Part D Deductible
$423.05
Total MA/MAPD Enrollment
21,858
Plans with the Highest Enrollment
(as of October 5, 2026)
1. AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) — 5,276 enrollees
2. Humana Total Complete (HMO) — 4,479 enrollees
3. Humana Essentials Plus Giveback (PPO) — 2,165 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Larimer County, CO. Or explore all Medicare Options available in Larimer County, CO. To understand how local plans fit into the broader market, visit our Colorado Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

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
11
Average Monthly Premium
$8.31/mo
Total PPO Enrollment
5,872
$0 Premium PPO Plans
8
Average MOOP
$7,077
Top PPO by Enrollment
Humana Essentials Plus Giveback (PPO) — 2,165 enrollees
PPO Plans Without Drug Coverage
3

PPO Medicare Advantage plan comparison – Larimer County, Colorado, 2027
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 $7,150 $700 H5521-250-0
Aetna Medicare Value Care
☆☆☆☆☆
$18 $7,150 $700 H5521-443-0
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $7,850 $450 H5216-435-2
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $6,200 N/A H5216-436-2
Humana Value Choice
☆☆☆☆☆
$53 $6,700 $400 H5216-078-1
HumanaChoice H5216-223
☆☆☆☆☆
$20 $4,900 $300 H5216-223-0
DEVOTED CHOICE 001 CO
☆☆☆☆☆
$0 $6,050 $461 H4808-001-0
DEVOTED CHOICE GIVEBACK 003 CO
☆☆☆☆☆
$0 $8,950 $461 H4808-003-0
DEVOTED CHOICE MA ONLY 004 CO
☆☆☆☆☆
$0 $7,900 N/A H4808-004-0
HealthSpring True Choice
☆☆☆☆☆
$0 $9,500 $700 H7849-147-0
What is the total number of PPO plans offered in Larimer?

Larimer County has 11 PPO plans for 2027, with 5,872 enrolled.

How much do PPO plans cost in Larimer?

The typical PPO premium in Larimer is $8.31, and 8 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
7
Average Monthly Premium
$0.00/mo
Total HMO Enrollment
4,714
$0 Premium HMO Plans
7
Average MOOP
$6,101
Top HMO by Enrollment
Humana Total Complete (HMO) — 4,479 enrollees
HMO Plans Without Drug Coverage
1

HMO Medicare Advantage plan comparison – Larimer County, Colorado, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Total Complete
☆☆☆☆☆
$0 $4,980 $0 H0028-081-2
DEVOTED CORE 001 CO
☆☆☆☆☆
$0 $4,900 $461 H7147-001-0
DEVOTED GIVEBACK EXTRAS 020 CO
☆☆☆☆☆
$0 $7,000 $700 H7147-020-0
Select Health Medicare Essential
☆☆☆☆☆
$0 $7,100 $700 H1994-047-0
Select Health Medicare Veterans
☆☆☆☆☆
$0 $6,750 N/A H1994-033-0
HealthSpring Preferred
☆☆☆☆☆
$0 $7,150 $400 H2752-006-0
Humana Total Complete
☆☆☆☆☆
$0 $4,825 $0 H5178-004-0
What is the average monthly premium for HMO plans?
HMO plans in Larimer cost $0.00 per month on average.
Which HMO plan is most popular in Larimer?
The most popular HMO plan in Larimer is Humana Total Complete (HMO), with 4,479 enrollees.
How many HMO plans in Larimer do not include drug coverage?
There are 1 HMO plans in Larimer 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 6
  • Average Monthly Premium $14.50/mo
  • Total HMO-POS Enrollment 11,272
  • $0 Premium HMO-POS Plans 4
  • Average MOOP $6,025
  • Top HMO-POS by Enrollment AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) — 5,276 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Larimer County, Colorado, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage Essentials from UHC CO-4
☆☆☆☆☆
$0 $5,500 $685 H0609-036-1
AARP Medicare Advantage from UHC CO-0003
☆☆☆☆☆
$32 $4,300 $595 H0609-034-1
AARP Medicare Advantage Patriot No Rx CO-MA02
☆☆☆☆☆
$0 $5,500 N/A H0609-041-0
Kaiser Permanente Senior Advantage Core North
☆☆☆☆☆
$0 $6,600 $0 H0630-020-0
Kaiser Permanente Senior Advantage Silver North
☆☆☆☆☆
$55 $4,400 $0 H0630-021-0
Anthem Medicare Advantage
☆☆☆☆☆
$0 $9,850 $325 H4346-012-0
What is the total number of HMO-POS plans in Larimer?

There are 6 HMO-POS plans in 2027, covering 11,272 enrollees.

How much do HMO-POS plans cost in Larimer?

The average HMO-POS premium in Larimer is $14.50 per month, with 4 plans offering $0 premiums.

What is the leading HMO-POS plan in Larimer?

AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS) is the top HMO-POS in Larimer, with 5,276 enrollees.

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

1 HMO-POS plans in Larimer do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Larimer County, CO for 2027.

CMS Star Ratings for Medicare Advantage Plans in Larimer County, CO (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 17 77%
3 Stars 5 23%
Below 3 Stars 0 0%
Not Rated 2 8%
Average Rating 3.82

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Larimer County, Colorado, including communities such as Bellvue, Berthoud, Estes Park, Fort Collins, Laporte, Livermore, Loveland, Wellington, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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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