What is the 2027 Medicare Advantage MOOP in Adams County?
In-network out-of-pocket maximums (MOOP) on Adams County, Colorado Medicare Advantage plans range from $3,300 to $9,850 for 2027, with an average of $6,142 across the 36 plans in the CMS 2027 landscape, up from $5,518 in 2026.
These figures exclude Special Needs Plans. The out-of-pocket maximum is the most you pay in a year for covered in-network Part A and Part B services; it does not include your plan premium, your Part B premium or Part D drug costs, which have their own $2,400 cap for 2027.
| Plan type | Plans 2026 / 2027 | Average 2026 | Average 2027 | Change |
|---|---|---|---|---|
| HMO | 13 / 10 | $5,649 | $6,000 | +$351 |
| HMO-POS | 12 / 12 | $4,496 | $5,192 | +$696 |
| PPO | 18 / 14 | $6,106 | $7,057 | +$951 |
How the out-of-pocket maximum works
Every Medicare Advantage plan must cap what you pay for covered in-network medical care each year. Once your copays and coinsurance reach the cap, the plan pays 100% of covered in-network services for the rest of the calendar year. PPO plans also have a separate, higher combined cap that includes out-of-network care.
What changed for 2027
The caps went up. Of the 32 Adams County plans offered in both 2026 and 2027, 21 raised their in-network maximum and 1 lowered it. The lowest cap in the county moved from $2,900 to $3,300, and the highest from $9,250 to $9,850.
Plan type matters. HMO-POS plans average $5,192 for 2027 and PPO plans $7,057. A lower cap often comes with a tighter network, so check that your doctors are in it.
Where the 2027 caps cluster
Sorting the 36 plans by in-network cap: 4 sit under $4,000, 13 fall between $4,000 and $5,999, 15 between $6,000 and $7,999, and 4 at $8,000 or more. The median is $6,200, so on half the county plans a costly year can reach at least that figure.
Southern Weld County, around Fort Lupton, Hudson and Keenesburg, looks similar but narrower: 25 plans for 2027 with caps from $4,300 to $9,850, according to the same CMS file.
Worked example: a hospital year
Picture a member on a plan at the $6,200 median who has a hospital stay, rehab and follow-up visits in 2027. Copays stop once they total $6,200; plan premiums, the Part B premium and drug costs are extra. The same year on Original Medicare with Medigap Plan G would leave the Part B deductible ($283 in 2026) plus the Plan G premium, which varies by insurer and age. That difference is the real comparison, not the premium alone.
What to do next
Ask yourself whether you could pay the full cap in a bad year, such as a hospital stay plus follow-up care. If not, compare plans with a lower cap, look at a Medicare Supplement, or price a hospital indemnity policy. We run those comparisons at our Brighton office or by phone during Annual Enrollment, October 15 to December 7, 2026.
Related questions
What is the 2027 Medicare Advantage MOOP in Adams County?
In-network out-of-pocket maximums (MOOP) on Adams County, Colorado Medicare Advantage plans range from $3,300 to $9,850 for 2027, with an average of $6,142 across the 36 plans in the CMS 2027 landscape, up from $5,518 in 2026.
Does the out-of-pocket maximum include prescription drugs?
No. Part D drug costs have their own cap: $2,100 in 2026 and $2,400 in 2027, according to the CMS landscape.
Does the out-of-pocket maximum include premiums?
No. Plan premiums and your Part B premium do not count toward it.
What is the lowest out-of-pocket maximum in Adams County for 2027?
$3,300 in network, on the plan with the lowest cap in the CMS 2027 file for Adams County.
Do PPO plans have higher out-of-pocket maximums in Adams County?
On average, yes. PPO plans average $7,057 in network for 2027, against $6,000 for HMOs and $5,192 for HMO-POS plans. The PPO trade is the freedom to see out-of-network providers.
Sources
- CMS Medicare Advantage and Part D Landscape, Contract Year 2027 Centers for Medicare & Medicaid Services
- CMS Medicare Advantage and Part D Landscape, Contract Year 2026 Centers for Medicare & Medicaid Services
- 2027 Medicare Advantage and Part D Star Ratings (CMS fact sheet, October 8, 2026) Centers for Medicare & Medicaid Services
- 2026 Medicare Parts A & B Premiums and Deductibles Centers for Medicare & Medicaid Services
Please note: 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 or 1-800-MEDICARE to get information on all of your options.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.