D-SNP: 19 plans
For people with both Medicare and Health First Colorado (Colorado Medicaid).
Adams County, Colorado
Medicare Plans in Adams County, CO: 2027 Guide
Adams County is home base: the office is in Brighton, the county seat. This guide lays out every Medicare Advantage plan CMS lists for the county in 2027, with the numbers that decide which ones deserve a closer look.
- 36 Medicare Advantage plans in Adams County, 2027
- 33 With a $0 Part C premium (30 with $0 for Parts C and D combined)
- 10 Organizations offering plans
- 28 Special Needs Plans, counted separately
Adams County Medicare at a glance for 2027
- 36 Medicare Advantage plans for Adams County, Special Needs Plans not counted. Of those, 33 have a $0 Part C premium, and 30 have a $0 combined monthly premium for Parts C and D (25 of those include drug coverage; 5 have no drug coverage, so no Part D premium).
- In-network out-of-pocket maximums from $3,300 to $9,850 a year
- 10 insurance companies offer them
- 8 standalone Part D plans in Colorado
- You still pay the Part B premium, $202.90 a month in 2026 (the 2027 amount is announced by CMS around November)
- Annual Enrollment: October 15 to December 7, 2026, for coverage that starts January 1, 2027
Examples of plans with drug coverage and a $0 combined monthly premium for Parts C and D, by 2026 star rating and out-of-pocket limit
- AARP Medicare Advantage from UHC CO-21P (HMO-POS)UnitedHealthcare · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $4,200 · drug deductible $685
- Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $4,400 · drug deductible $0
- AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)UnitedHealthcare · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $4,450 · drug deductible $685
CMS Medicare Advantage and Part D Landscape, contract year 2027. A plan's fit depends on your doctors and prescriptions; Lisa checks both before you choose.
By the numbers
2027 Medicare Advantage in Adams County
Every figure comes from the CMS Landscape file for contract year 2027. Special Needs Plans are counted separately.
- $6.97 Average monthly Part C premium
- $12.56 Average Part C + D premium
- 31 Plans that include drug coverage
- $3,300 Lowest in-network out-of-pocket limit
- $6,142 Average in-network out-of-pocket limit
- $9,850 Highest in-network out-of-pocket limit
- $401.16 Average Part D deductible (plans with drugs)
- 18 Plans with a 2026 rating of 4★ or more
- 4.02★ Average 2026 star rating (rated plans)
Two ways to count "$0 premium" plans: 33 have a $0 Part C premium, and 30 have a $0 combined monthly premium for Parts C and D (25 of those include drug coverage; 5 have no drug coverage, so no Part D premium). The average premium figures likewise show the Part C premium and the combined Part C + D premium separately. Star ratings shown are 2026 ratings, because CMS’s 2027 ratings are not yet in our data snapshot.
PPO plans are the largest group here (14 of 36), and 5 plans have no drug coverage.
| Plan type | Plans | $0 Part C premium | Average Part C premium | Average out-of-pocket limit | Without drug coverage |
|---|---|---|---|---|---|
| PPO | 14 | 13 | $0.64 | $7,057 | 3 |
| HMO-POS | 12 | 10 | $20.17 | $5,192 | 1 |
| HMO | 10 | 10 | $0 | $6,000 | 1 |
Every plan
2027 Medicare Advantage plans in Adams County
Grouped by plan type, because type decides how the network works: HMOs expect you to stay in network, PPOs let you go outside it at a higher cost.
PPO
14 plans, 13 with a $0 Part C premium, average Part C premium $0.64, average out-of-pocket limit $7,057, 3 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Eagle (PPO)Aetna Medicare, no drug coverage | 4.5★ | $0 | Not published | $5,500 | No drug coverage | H5521_378 |
| Aetna Medicare Signature (PPO)Aetna Medicare | 4.5★ | $0 | $0 | $7,150 | $700 | H5521_250 |
| Aetna Medicare Value Care (PPO)Aetna Medicare | 4.5★ | $0 | $18.40 | $7,150 | $700 | H5521_443 |
| Humana Essentials Plus Giveback (PPO)Humana | 4.5★ | $0 | $0 | $7,850 | $450 | H7617_061 |
| Humana Value Choice (PPO)Humana | 4.5★ | $0 | $0 | $6,900 | $425 | H7617_064 |
| DEVOTED CHOICE 002 CO (PPO)Devoted Health | 4.0★ | $0 | $0 | $6,050 | $650 | H4808_002 |
| DEVOTED CHOICE GIVEBACK 003 CO (PPO)Devoted Health | 4.0★ | $0 | $0 | $8,950 | $461 | H4808_003 |
| DEVOTED CHOICE MA ONLY 004 CO (PPO)Devoted Health, no drug coverage | 4.0★ | $0 | Not published | $7,900 | No drug coverage | H4808_004 |
| Humana Essentials Plus Giveback (PPO)Humana | 3.5★ | $0 | $0 | $7,850 | $450 | H5216_435 |
| Humana USAA Honor Giveback (PPO)Humana, no drug coverage | 3.5★ | $0 | Not published | $6,200 | No drug coverage | H5216_436 |
| Humana Value Choice (PPO)Humana | 3.5★ | $0 | $0 | $6,200 | $425 | H5216_261 |
| Humana Value Choice (PPO)Humana | 3.5★ | $0 | $53 | $6,700 | $400 | H5216_078 |
| HumanaChoice H5216-223 (PPO)Humana | 3.5★ | $9 | $20 | $4,900 | $300 | H5216_223 |
| HealthSpring True Choice (PPO)HealthSpring | 3.0★ | $0 | $0 | $9,500 | $700 | H7849_147 |
HMO-POS
12 plans, 10 with a $0 Part C premium, average Part C premium $20.17, average out-of-pocket limit $5,192, 1 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC CO-2 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $0 | $4,450 | $685 | H0609_012 |
| AARP Medicare Advantage Extras from UHC CO-5 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $0 | $6,900 | $685 | H0609_048 |
| AARP Medicare Advantage from UHC CO-0001 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $56 | $3,900 | $595 | H0609_007 |
| AARP Medicare Advantage from UHC CO-21P (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $0 | $4,200 | $685 | H0609_079 |
| AARP Medicare Advantage Patriot No Rx CO-MA01 (HMO-POS)UnitedHealthcare, no drug coverage | 4.5★ | $0 | Not published | $5,500 | No drug coverage | H0609_018 |
| Kaiser Permanente Senior Advantage Bronze DM (HMO-POS)Kaiser Permanente | 4.5★ | $0 | $0 | $6,800 | $0 | H0630_025 |
| Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente | 4.5★ | $0 | $0 | $4,400 | $0 | H0630_013 |
| Kaiser Permanente Senior Advantage Gold (HMO-POS)Kaiser Permanente | 4.5★ | $194 | $194 | $3,300 | $0 | H0630_016 |
| Kaiser Permanente Senior Advantage Silver DM (HMO-POS)Kaiser Permanente | 4.5★ | $48 | $48 | $3,600 | $0 | H0630_015 |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield | 3.5★ | $0 | $0 | $9,850 | $325 | H4346_012 |
| AARP Medicare Advantage from UHC CO-0011 (HMO-POS)UnitedHealthcare | Not rated | $0 | $0 | $5,900 | $685 | H6706_001 |
| Perennial Advantage Freedom (HMO-POS)Perennial Advantage | Not rated | $0 | $0 | $3,500 | $0 | H3419_003 |
HMO
10 plans, 10 with a $0 Part C premium, average Part C premium $0, average out-of-pocket limit $6,000, 1 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| DEVOTED CORE 004 CO (HMO)Devoted Health | 4.0★ | $0 | $0 | $4,450 | $465 | H7147_004 |
| Elevate Medicare Select (HMO)Elevate Medicare Advantage | 3.5★ | $0 | $0 | $9,850 | $300 | H5608_002 |
| Humana Essentials Plus Giveback (HMO)Humana | 3.5★ | $0 | $0 | $6,500 | $50 | H0028_063 |
| Humana Total Complete (HMO)Humana | 3.5★ | $0 | $0 | $4,750 | $0 | H0028_081 |
| Select Health Medicare Essential (HMO)Select Health | 3.5★ | $0 | $0 | $4,900 | $300 | H1994_027 |
| Select Health Medicare Veterans (HMO)Select Health, no drug coverage | 3.5★ | $0 | Not published | $6,750 | No drug coverage | H1994_033 |
| Aetna Medicare Prime (HMO)Aetna Medicare | Not rated | $0 | $0 | $5,000 | $400 | H5593_008 |
| Aetna Medicare Signature (HMO)Aetna Medicare | Not rated | $0 | $0 | $5,900 | $400 | H5593_006 |
| DEVOTED GIVEBACK EXTRAS 019 CO (HMO)Devoted Health | Not rated | $0 | $0 | $6,750 | $700 | H7147_019 |
| HealthSpring Preferred (HMO)HealthSpring | Not rated | $0 | $0 | $5,150 | $500 | H2752_005 |
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Quality
How the 2026 stars fall
CMS rates each contract from 1 to 5 stars. This shows the 2026 rating for each of the 36 Adams County plans, because CMS’s 2027 ratings are not yet in our data snapshot. New plans and some small contracts are not rated.
- 4.5★ 14 plans (39%)
- 4.0★ 4 plans (11%)
- 3.5★ 11 plans (31%)
- 3.0★ 1 plan (3%)
- Not rated 6 plans (17%)
No plan on the Adams County list has a 5-star 2026 rating.
What changes for 2027
Adams County plans: 2026 to 2027
Your plan mailed an Annual Notice of Change by September 30, 2026. It lists what changes on January 1, 2027: premium, deductible, out-of-pocket limit, copays, drug list and network. Compare it line by line, or bring it to Lisa.
Counting plans with drug coverage, Special Needs Plans included, the Adams County list goes from 64 plans in 2026 to 59 in 2027, and the average in-network out-of-pocket limit moves from $6,497 to $7,199.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans with drug coverage (SNPs included) | 64 | 59 |
| With a $0 combined monthly premium for Parts C and D | 38 | 43 |
| Average in-network out-of-pocket limit | $6,497 | $7,199 |
| Average Part D deductible | $404.69 | $510.90 |
| Maximum Part D deductible allowed by CMS | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
These counts cover plans with drug coverage, Special Needs Plans included, so they differ from the headline count of 36, which leaves out Special Needs Plans and includes plans without drug coverage. Clear Spring Health has no Medicare Advantage plan with drug coverage in Adams County for 2027.
Of the 15 plans below, 8 plans end with no similar plan in the county, 4 plans end but the same company offers a plan with the same or a similar name under a new plan ID, and 3 plans fold into another plan automatically.
| 2026 plan | Carrier | CMS crosswalk status | Members move to |
|---|---|---|---|
UHC Dual Complete CO-S4 (HMO-POS D-SNP) H0624-006 | UnitedHealthcare | Consolidated Renewal Plan / Terminated/Non-renewed Contract | UHC Dual Complete CO-S4 (HMO-POS D-SNP)H0624-008 (moved automatically) |
HealthSpring TotalCare (HMO D-SNP) H0672-009 | HealthSpring | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but HealthSpring offers a plan with the same name under a new plan ID: HealthSpring TotalCare (HMO D-SNP)H2752_009. To keep it, enroll in the new plan by December 7, 2026. |
HealthSpring TotalCare Plus (HMO D-SNP) H0672-010 | HealthSpring | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but HealthSpring offers a plan with the same name under a new plan ID: HealthSpring TotalCare Plus (HMO D-SNP)H2752_008. To keep it, enroll in the new plan by December 7, 2026. |
HealthSpring Preferred (HMO) H0672-024 | HealthSpring | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but HealthSpring offers a plan with the same name under a new plan ID: HealthSpring Preferred (HMO)H2752_005. To keep it, enroll in the new plan by December 7, 2026. |
Select Health Medicare + Kroger (HMO) H1994-030 | Select Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Select Health Medicare Flex (HMO) H1994-031 | Select Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Select Health Medicare Active (HMO) H1994-035 | Select Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Kaiser Permanente Senior Advantage Choice DM (PPO) H3138-001 | Kaiser Permanente | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Aetna Medicare Signature (HMO-POS) H4711-008 | Aetna Medicare | Terminated/Non-renewed Contract | Not moved automatically. This plan ends in this county, but Aetna Medicare offers a similarly named plan under a new plan ID: Aetna Medicare Signature (HMO)H5593_006. To keep it, enroll in the new plan by December 7, 2026. |
Aetna Medicare Dual Care (HMO D-SNP) H4711-012 | Aetna Medicare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Humana Value Plus H5216-195 (PPO) H5216-195 | Humana | Consolidated Renewal Plan | HumanaChoice H5216-223 (PPO)H5216-223 (moved automatically) |
Humana Full Access H5216-333 (PPO) H5216-333 | Humana | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
HumanaChoice SNP-DE H5216-468 (PPO D-SNP) H5216-468 | Humana | Consolidated Renewal Plan | HumanaChoice SNP-DE H5216-267 (PPO D-SNP)H5216-267 (moved automatically) |
Clear Spring Health BrightPath Advantage (HMO) H6379-001 | Clear Spring Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Clear Spring Health Balance+ Diabetes & Heart (HMO C-SNP) H6379-002 | Clear Spring Health | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
New to the Adams County list for 2027: UHC Dual Complete CO-S4 (HMO-POS D-SNP), HealthSpring Preferred (HMO), HealthSpring TotalCare Plus (HMO D-SNP), HealthSpring TotalCare (HMO D-SNP), Aetna Medicare Chronic Care (HMO C-SNP), Aetna Medicare Full Dual Extra Care (HMO D-SNP), Aetna Medicare Signature (HMO), Aetna Medicare Prime (HMO), DEVOTED C-SNP GIVEBACK EXTRAS 016 CO (HMO C-SNP), DEVOTED GIVEBACK EXTRAS 019 CO (HMO). Some of these carry the same or a similar name as a 2026 plan that ends (see the table above); they are new plan IDs, so members of the old plan must enroll in them.
If your plan is not renewing: you receive a non-renewal letter in October. You can pick a new plan during the Annual Enrollment Period (October 15 to December 7, 2026), and a Special Enrollment Period runs through the end of February 2027. Confirm your dates on Medicare.gov. The official Medicare & You handbook explains each option.
The county
Who lives in Adams County
The Census Bureau counts about 530,200 Adams County residents, and about 59,900 of them, 11.3%, are 65 or older, a younger profile than Colorado as a whole (15.6%). 11.6% of residents have no health insurance, against 7.7% statewide.
Medicare Advantage plans are approved county by county. If you live anywhere in Adams County, from Brighton and Henderson to Thornton, Commerce City and the northern part of Aurora, the plans below are the ones CMS lists for your address in 2027. Whether a plan suits you depends on your doctors, your prescriptions and the hospitals you use, so that is where every review starts.
How Lisa helps here. Lisa Asmussen meets Adams County clients at the Brighton office and by phone or video. Her focus is education: you leave knowing what your plan covers, how to use it and what it costs, and she is there for the yearly review.
11.3% of Adams County residents are 65 or older, against 15.6% for Colorado, and 11.6% have no health insurance.
| Measure | Adams County | Colorado |
|---|---|---|
| Population | 530,225 | 5,862,189 |
| Residents aged 65 and over | 59,925 | 914,002 |
| Share aged 65 and over | 11.3% | 15.6% |
| Median age | 34.8 | Not shown |
| Median household income | $94,571 | Not shown |
| Share with no health insurance (all ages) | 11.6% | 7.7% |
How big is Adams County, and which communities share one Medicare plan list?
Adams County covers 1,166.3 square miles and borders Arapahoe, Washington, Morgan, Weld, Jefferson, Broomfield and Denver counties. According to the county, it includes the cities of Brighton, Commerce City, Federal Heights, Northglenn and Thornton, parts of Arvada, Aurora, Lochbuie and Westminster, the Town of Bennett, and the unincorporated communities of Henderson, Strasburg and Watkins.
Voters created the county in 1902 out of what had been a much larger Arapahoe County, and it was named for Alva Adams, a former governor. Brighton became the permanent county seat in a November 8, 1904 election, and the 1906 courthouse at 4th and Bridge Street now serves as Brighton City Hall.
That whole range, from Federal Heights on the west side to Strasburg and Watkins far to the east, sits under one county plan list. A plan that fits Federal Heights may be a poor fit out east, where in-network doctors can be a long drive away. If you live in the eastern half of the county, look closely at where a plan's network doctors actually are, and at whether a PPO's out-of-network coverage is worth the higher cost.
Who is the Area Agency on Aging for Adams County, and where do I get unbiased Medicare counseling?
The Denver Regional Council of Governments (DRCOG) is the Area Agency on Aging for Adams, Arapahoe, Broomfield, Clear Creek, Denver, Douglas, Jefferson and Gilpin counties. Through DRCOG you can get Medicare help by phone, email or in person, request a ride to the doctor, and reach a long-term care ombudsman if a relative lives in a nursing home or assisted living residence.
Colorado's State Health Insurance Assistance Program (SHIP), run by the Division of Insurance, takes calls statewide at 888-696-7213. Inside the county, the city senior centers add local options: the Sue Corbett Active Adult Center at Eagle View in Brighton hosts a SHIP counselor monthly, and the Thornton Active Adult Center offers free Medicare 101 classes and counseling with Benefits in Action counselors by appointment.
Counselors explain the rules without selling anything. Lisa Asmussen is a licensed broker who can compare the plans she is contracted with and enroll you, and she is glad to work alongside a SHIP counselor if you have already spoken with one.
Where do Adams County residents apply for Health First Colorado and help with Medicare costs?
Adams County Human Services runs the Health First Colorado program from the Pete Mirelez Human Services Center at 11860 Pecos Street in Westminster, open weekdays from 7:30 a.m. to 5 p.m. (720-523-2000 for the department, 720-523-2700 for the main location). There is also a Brighton Workforce and Business Center at 36 South 18th Avenue, and the department lists a Veterans Office among its services.
The county resource guide lists more help: Benefits in Action keeps hours in the Community Partners Suite at Human Services, Connect for Health Colorado takes calls at 855-752-6749 for anyone under 65, and the guide names community health centers including Salud Family Health (Brighton and Commerce City), Clinica Family Health Services (Thornton and Westminster) and Metro Community Provider Network (Aurora).
If you have both Medicare and Health First Colorado, the Dual Special Needs Plans on the county list coordinate the two. If you qualify for a Medicare Savings Program, the state can pay your Part B premium. Lisa looks at those programs first, before premiums or extras.
Which hospitals are inside Adams County?
In the CMS Hospital General Information file, four hospitals carry an Adams County record: University of Colorado Hospital at 12605 East 16th Avenue and VA Eastern Colorado Healthcare System at 1700 North Wheeling Street, both in the Adams County part of Aurora, Intermountain Health Platte Valley Hospital at 1600 Prairie Center Parkway in Brighton, and HCA HealthOne Mountain Ridge at 9191 Grant Street in Thornton.
Those four belong to different health systems, and Medicare Advantage networks are set plan by plan. Before you enroll, Lisa checks the hospital you would actually go to in an emergency, and the one your specialists use, against each plan for 2027. She meets Adams County clients at the Brighton office or by phone or video.
Local sources: Adams County: History and Profile · DRCOG: Area Agency on Aging · Colorado Division of Insurance: Senior Health Care and Medicare (SHIP 888-696-7213) · City of Brighton: Eagle View services (SHIP counseling) · City of Thornton: Active Adult Assistance and Resources · Adams County Human Services: locations · Adams County Resource Guide: Medical and Dental Care · CMS Hospital General Information
Colorado totals are the sum of all 64 Colorado counties in the same Census release; a statewide median is not computed here. Survey estimates for small towns carry wide margins of error.
Health profile
What is common in Adams County
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
Compared with the Colorado county average, Adams County reads higher on diagnosed diabetes, high blood pressure, obesity and adults under 65 without insurance.
| Measure | Adams County | Colorado county average |
|---|---|---|
| Diagnosed diabetes | 9.7% | 8.6% |
| High blood pressure | 27.3% | 27.0% |
| Obesity | 33.2% | 26.1% |
| Coronary heart disease | 4.7% | 5.1% |
| COPD | 5.1% | 5.3% |
| Adults 18 to 64 without health insurance | 17.2% | 11.1% |
| Arthritis | 20.0% | 22.9% |
| High cholesterol | 31.0% | 31.5% |
| Stroke | 2.6% | 2.7% |
CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-14. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Crude rates follow the age mix of a place: an older community reads higher on most conditions. Colorado figure: average of the 64 Colorado counties, weighted by adult population.
Why this matters for plan choice
Adams County runs above the Colorado county average on diagnosed diabetes and high blood pressure. The chronic-condition Special Needs Plans on the Adams County list are built around: Cardiovascular Disorders; Chronic Heart Failure; Diabetes Mellitus. If you live with one of those, a C-SNP may be worth a look; you need a qualifying diagnosis to join.
Special needs
28 Special Needs Plans in Adams County
An SNP is a Medicare Advantage plan limited to people who meet a condition. They are left out of the counts above because not everyone can join.
C-SNP: 5 plans
For people with qualifying chronic conditions: Cardiovascular Disorders; Chronic Heart Failure; Diabetes Mellitus.
I-SNP: 4 plans
For people who live in, or need the level of care of, a long-term care facility.
D-SNP
19 plans, with monthly Part C + D premiums from $0 to $18.40. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| HumanaChoice SNP-DE H7617-067 (PPO D-SNP)Humana | PPO D-SNP | 4.5★ | $0 | $9,850 | H7617_067 |
| Kaiser Permanente Dual Essential (HMO D-SNP)Kaiser Permanente | HMO D-SNP | 4.5★ | $0 | $5,900 | H0630_014 |
| Kaiser Permanente Dual Complete (HMO D-SNP)Kaiser Permanente | HMO D-SNP | 4.5★ | $0 | $9,850 | H0630_027 |
| UHC Dual Advantage CO-V1 (PPO D-SNP)UnitedHealthcare | PPO D-SNP | 4.5★ | $18.40 | $5,900 | H2001_052 |
| UHC Dual Complete CO-Q2 (PPO D-SNP)UnitedHealthcare | PPO D-SNP | 4.5★ | $18.40 | $9,850 | H2001_053 |
| DEVOTED DUAL PLUS 003 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $9,850 | H7147_003 |
| DEVOTED DUAL 007 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $4,450 | H7147_007 |
| DEVOTED DUAL FULL 012 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $9,850 | H7147_012 |
| UHC Dual Complete CO-Q1 (HMO-POS D-SNP)UnitedHealthcare | HMO-POS D-SNP | 4.0★ | $18.40 | $9,850 | H0624_001 |
| Elevate Medicare Choice (HMO D-SNP)Elevate Medicare Advantage | HMO D-SNP | 3.5★ | $0 | $9,850 | H5608_001 |
| Humana Dual Select H0028-078 (HMO D-SNP)Humana | HMO D-SNP | 3.5★ | $0 | $6,500 | H0028_078 |
| Anthem Dual Advantage (HMO D-SNP)Anthem Blue Cross and Blue Shield | HMO D-SNP | 3.5★ | $18.40 | $9,850 | H4346_014 |
| HumanaChoice SNP-DE H5216-267 (PPO D-SNP)Humana | PPO D-SNP | 3.5★ | $2.10 | $9,850 | H5216_267 |
| Aetna Medicare Dual Extra Care (HMO D-SNP)Aetna Medicare | HMO D-SNP | 3.0★ | $0 | $9,850 | H3931_175 |
| Aetna Medicare Full Dual Care (HMO D-SNP)Aetna Medicare | HMO D-SNP | 3.0★ | $0 | $9,850 | H3931_196 |
| Aetna Medicare Full Dual Extra Care (HMO D-SNP)Aetna Medicare | HMO D-SNP | Not rated | $0 | $9,850 | H5593_005 |
| UHC Dual Complete CO-S4 (HMO-POS D-SNP)UnitedHealthcare | HMO-POS D-SNP | Not rated | $18.40 | $9,850 | H0624_008 |
| HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring | HMO D-SNP | Not rated | $18.40 | $9,850 | H2752_008 |
| HealthSpring TotalCare (HMO D-SNP)HealthSpring | HMO D-SNP | Not rated | $18.40 | $9,850 | H2752_009 |
C-SNP
5 plans, with monthly Part C + D premiums from $0 to $0. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| UHC Complete Care CO-1P (HMO-POS C-SNP)UnitedHealthcare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | 4.5★ | $0 | $4,100 | H0609_047 |
| DEVOTED C-SNP ENHANCED 009 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $4,700 | H7147_009 |
| DEVOTED C-SNP PLUS 013 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $9,850 | H7147_013 |
| Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $6,750 | H5593_004 |
| DEVOTED C-SNP GIVEBACK EXTRAS 016 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $6,750 | H7147_016 |
I-SNP
4 plans, with monthly Part C + D premiums from $0 to $18.40. You must meet the plan’s condition to join.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Plan ID |
|---|---|---|---|---|---|
| UHC Nursing Home Plan CO-F001 (PPO I-SNP)UnitedHealthcare | PPO I-SNP | 4.5★ | $0 | $9,850 | H0710_007 |
| Perennial Advantage Premier (HMO-POS I-SNP)Perennial Advantage | HMO-POS I-SNP | Not rated | $0 | $3,300 | H3419_004 |
| Perennial Advantage Strive (HMO I-SNP)Perennial Advantage | HMO I-SNP | Not rated | $14.60 | $9,850 | H3419_001 |
| Longevity Health Plan (HMO I-SNP)Longevity Health Plan | HMO I-SNP | Not rated | $18.40 | $9,850 | H0363_001 |
Hospitals
Hospitals in Adams County
Medicare-certified hospitals the CMS Hospital General Information file records in Adams County, with the CMS overall star rating. A rating is not network status: check each hospital against a plan.
4 Medicare-certified hospitals are listed, 2 with a 5 of 5 CMS overall rating; whether each is in a plan’s network is a separate question.
| Hospital | Address | Emergency services | CMS overall rating |
|---|---|---|---|
| University of Colorado Hospital AuthorityAcute Care | 12605 East 16th Avenue, Aurora, CO 80045 | Yes | 5 of 5 |
| VA Eastern Colorado Healthcare SystemVeterans Affairs | 1700 North Wheeling Street, Aurora, CO 80045 | Yes | 5 of 5 |
| Intermountain Health Platte Valley HospitalAcute Care | 1600 Prairie Center Parkway, Brighton, CO 80601 | Yes | 3 of 5 |
| HCA HealthOne Mountain RidgeAcute Care | 9191 Grant Street, Thornton, CO 80229 | Yes | 3 of 5 |
Names, addresses, counties and emergency flags are shown as the CMS file records them, except rows marked "Corrected", which we checked against the hospital’s own website (listed under Sources). County pages group hospitals by the county in the CMS record.
The other path
Medigap in Adams County
Every Advantage plan on this page replaces Original Medicare with a plan network. The other path keeps Original Medicare and adds a Medicare Supplement (Medigap) policy plus a separate Part D plan.
Medigap has no network: any provider that accepts Medicare accepts it, anywhere in the country. Premiums are higher than most Advantage plans, and in exchange your costs are more predictable. The Colorado Division of Insurance publishes Medigap premium charts for every company selling in the state, so you can compare the same plan letter across insurers.
Timing matters. Your 6-month Medigap open enrollment window starts when you are 65 or older and enrolled in Part B. Inside it, an insurer cannot turn you down or charge more for your health. Outside it, in most cases it can. See Medigap rules in Colorado and Medicare Advantage vs Medigap.
Under 65
Health insurance before Medicare in Adams County
Colorado runs its own marketplace for individual and family health insurance: Connect for Health Colorado, not HealthCare.gov. Open enrollment for 2027 coverage starts November 1, 2026. Financial help depends on household income, and people with low income may qualify for Health First Colorado, the state Medicaid program, or Child Health Plan Plus (CHP+) for children.
CDC estimates that 17.2% of adults aged 18 to 64 in Adams County have no health insurance (2023 estimates), against a Colorado county average of 11.1%.
Lisa helps with Connect for Health Colorado plans and pre-65 coverage too. Try the ACA subsidy calculator, read the Connect for Health Colorado guide, or see individual and family health insurance. Estimates are estimates; final premiums are set at enrollment.
Headwaters Health and Wealth is not affiliated with, endorsed by, or operating on behalf of Connect for Health Colorado, HealthCare.gov, the Health Insurance Marketplace, or any federal or state government agency. Plan availability, premiums and advance premium tax credits are set by the carriers and the Marketplace.
When you can change
How and when to enroll
You must have Medicare Part A and Part B to join a Medicare Advantage plan, and live in the plan's service area, here Adams County.
Initial Enrollment Period
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Annual Enrollment Period
October 15 to December 7, 2026. Choose or change plans for 2027; coverage starts January 1.
Medicare Advantage Open Enrollment
January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or return to Original Medicare once.
Special Enrollment Periods
Moving, losing employer coverage, gaining or losing Health First Colorado, or a plan not renewing can open a window outside the normal calendar.
Ways to enroll: with a licensed agent such as Lisa ((303) 887-8584), directly with a plan, or on Medicare.gov. Free counseling is also available from the Colorado SHIP at 888-696-7213. More detail: Medicare enrollment periods.
Next steps
Before you choose a plan in Adams County
- Medigap in Colorado, including the rules for people under 65: Colorado Medigap rules.
- Standalone Part D plans are sold statewide: the full 2027 list is on the Colorado page, and how they work in Part D explained.
- Under 65 in Adams County? Plans and tax credits come through Connect for Health Colorado: the guide and the subsidy calculator.
- When you can join or switch: Medicare enrollment periods. To compare the plans above for your own doctors and prescriptions, call Lisa at (303) 887-8584 or use Compare 2027 plans.
Plain English
Medicare plan terms on this page
- Medicare Advantage (Part C)
- A Medicare approved plan from a private company that provides your Part A and Part B benefits in place of Original Medicare. Most include drug coverage and some extras. You keep paying your Part B premium.
- $0 Part C premium
- The plan charges no monthly premium of its own for medical coverage. You still pay your Part B premium, any drug premium the plan lists, and copays or coinsurance when you use care.
- In-network out-of-pocket maximum (MOOP)
- The most you pay in a calendar year for covered Part A and Part B services from in-network providers. Once you reach it, the plan pays for covered in-network care for the rest of the year. Premiums and Part D drug costs do not count toward it.
- HMO
- Health Maintenance Organization. You generally use doctors and hospitals in the plan network, except for emergencies and urgent care, and many HMOs ask for a referral before you see a specialist.
- PPO
- Preferred Provider Organization. You can use doctors in or out of the network, but out-of-network care usually costs more. Referrals are usually not required.
- HMO-POS
- An HMO with a point of service option. You mostly use the network, but the plan lets you get some services out of network, usually at a higher cost.
- Special Needs Plan (SNP)
- A Medicare Advantage plan open only to people with particular needs: both Medicare and Medicaid (Health First Colorado in Colorado), certain chronic conditions, or living in an institution such as a nursing home.
- Star rating
- A yearly CMS quality score from 1 to 5 stars, based on measures such as preventive care, member experience and customer service. It describes the plan overall; it does not tell you whether your doctors or drugs are covered.
FAQ
Adams County Medicare questions
How many Medicare Advantage plans are available in Adams County for 2027?
Adams County has 36 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 10 organizations. Of those, 33 have a $0 Part C premium, and 30 have a $0 combined monthly premium for Parts C and D (25 of those include drug coverage; 5 have no drug coverage, so no Part D premium). You still pay the Part B premium, which is $202.90 a month in 2026; the 2027 amount is announced around November 2026. Source: CMS 2027 Landscape file.
Which cities use the Adams County Medicare plan list?
Brighton (except a small Weld County part), Commerce City, Thornton, Northglenn, Federal Heights, Henderson, the Adams County part of Westminster and the northern, Adams County part of Aurora. The plan list follows the county on your address, not the name of your city.
Do Adams County plans cover hospitals in Denver and Aurora?
Each plan has its own network. An HMO usually expects you to use its network hospitals, while a PPO lets you go out of network at a higher cost. Before you enroll, check that the hospitals you would actually use, in Adams County or across the metro, are in the plan network for 2027.
Where can I meet Lisa in person?
At the Headwaters Health and Wealth office in Brighton, or by phone or video wherever you live in Colorado. Call (303) 887-8584 to set a time that suits you.
What changes for Medicare plans in Adams County in 2027?
Counting Medicare Advantage plans with drug coverage, Special Needs Plans included, Adams County goes from 64 plans in 2026 to 59 in 2027. (The headline count of 36 plans on this page leaves out Special Needs Plans and includes plans without drug coverage, which is why the numbers differ.) The CMS crosswalk shows 8 plans ending with no similar plan in the county, 4 plans ending while the same company offers a plan with the same or a similar name under a new plan ID (members must enroll in it themselves), 3 plans folding into another plan automatically, and 10 new plans. Clear Spring Health has no Medicare Advantage plan with drug coverage in Adams County for 2027. Your plan’s Annual Notice of Change lists what changes for you on January 1.
Provenance
Sources and methodology
- Plan data: CMS Medicare Advantage / Part D Landscape, contract year 2027 (https://www.cms.gov/files/zip/cy2027-landscape-202609.zip), filtered to Adams County (FIPS 08001), retrieved 2026-10-14. Star ratings: CMS 2026 Star Ratings joined by plan ID (CMS’s 2027 ratings are not yet in our data snapshot).
- 2027 changes: CMS Landscape 2026 (https://www.cms.gov/files/zip/cy2026-landscape-202609.zip) and 2027, with the CMS CY2026 to CY2027 plan crosswalk, retrieved 2026-10-14.
- Health data: CDC PLACES: Local Data for Better Health, County Data, 2025 release (2023 survey estimates), retrieved 2026-10-14. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Query: https://data.cdc.gov/resource/swc5-untb.json?locationid=08001&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Adams County, Colorado, retrieved 2026-10-14. Queries: detailed tables and subject table S2701. Residents 65 and over are the sum of the 12 age groups 65 and older in table B01001.
- Hospitals: CMS Hospital General Information (Provider Data Catalog) (https://data.cms.gov/provider-data/dataset/xubh-q36u), Colorado records retrieved 2026-10-14 from the data.cms.gov Provider Data API. Corrections checked against the hospitals’ own websites: uchealth.org/locations/uchealth-broomfield-hospital, intermountainhealthcare.org/locations/intermountain-health-lutheran-hospital, adventhealth.com/hospital/adventhealth-avista/emergency-care, mountain.commonspirit.org/location/st-anthony-north-hospital, mountain.commonspirit.org/location/st-anthony-hospital.
- Colorado programs: SHIP phone and Medigap premium charts from the Colorado Division of Insurance.
- Federal figures: 2026 Part B premium and deductible and Part D base premium ($38.99) from CMS. 2027 values are announced around November 2026.
How the figures are derived
- Headline plan counts and averages exclude Special Needs Plans, which have their own eligibility rules and are reported separately.
- "$0 Part C premium" counts plans whose Part C premium is $0. "$0 combined monthly premium for Parts C and D" counts plans whose consolidated Part C + D premium is $0 (for a plan without drug coverage, its Part C premium); our guides and blog use this second count. Out-of-pocket limits are in-network amounts. The average Part D deductible covers plans with drug coverage only.
- The 2026 to 2027 comparison counts Medicare Advantage plans with drug coverage, Special Needs Plans included, and its "$0" row uses the combined Part C + D premium, so it differs from the headline count.
- When the CMS crosswalk ends a plan with no successor but the same company files a plan with the same or a similar name under a new plan ID, we say so; members are not moved into the new ID automatically.
- We do not publish per-plan enrollment: the source does not carry it, and we never estimate plan figures.
Headwaters Health and Wealth is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
Areas we serve
More Colorado guides
- BrightonAdams County
- Commerce CityAdams County
- ThorntonAdams County
- HendersonAdams County
- NorthglennAdams County
- WestminsterAdams County
- Federal HeightsAdams County
- Fort LuptonWeld County
- LochbuieWeld County
- HudsonWeld County
- KeenesburgWeld County
- DaconoWeld County
- FrederickWeld County
- FirestoneWeld County
- ErieWeld County
- PlattevilleWeld County
- GreeleyWeld County
- LongmontBoulder County
- AuroraArapahoe County
- DenverDenver County
- BroomfieldBroomfield County
- Fort CollinsLarimer County
- ColoradoStatewide guide
- Weld CountyCounty guide
- Denver CountyCounty guide
- Broomfield CountyCounty guide
- Arapahoe CountyCounty guide
- Jefferson CountyCounty guide
- Boulder CountyCounty guide
- Larimer CountyCounty guide
- Douglas CountyCounty guide
Let's talk about your coverage in Adams County
Book a free, no-obligation review with Lisa in Brighton, by phone or by video. Bring your questions; leave with answers.
992 South Fourth Avenue, Brighton, CO 80601 · (303) 887-8584
Content reviewed by Lisa Asmussen, Medicare Broker and Licensed Insurance Agent at Headwaters Health and Wealth in Brighton, Colorado, certified to sell Medicare plans since 2018 (8 years). Last updated .