D-SNP: 18 plans
For people with both Medicare and Health First Colorado (Colorado Medicaid).
Douglas County, Colorado
Douglas County, CO Medicare Plans for 2027
Douglas County has the lowest uninsured rate and the highest incomes of the nine counties in this guide. Here is every Medicare Advantage plan CMS lists for it in 2027.
- 32 Medicare Advantage plans in Douglas County, 2027
- 29 With a $0 Part C premium (26 with $0 for Parts C and D combined)
- 7 Organizations offering plans
- 27 Special Needs Plans, counted separately
Douglas County Medicare at a glance for 2027
- 32 Medicare Advantage plans for Douglas County, Special Needs Plans not counted. Of those, 29 have a $0 Part C premium, and 26 have a $0 combined monthly premium for Parts C and D (21 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 $9,500 a year
- 7 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 Douglas County
Every figure comes from the CMS Landscape file for contract year 2027. Special Needs Plans are counted separately.
- $7.84 Average monthly Part C premium
- $14.42 Average Part C + D premium
- 27 Plans that include drug coverage
- $3,300 Lowest in-network out-of-pocket limit
- $5,922 Average in-network out-of-pocket limit
- $9,500 Highest in-network out-of-pocket limit
- $386.15 Average Part D deductible (plans with drugs)
- 17 Plans with a 2026 rating of 4★ or more
- 4.04★ Average 2026 star rating (rated plans)
Two ways to count "$0 premium" plans: 29 have a $0 Part C premium, and 26 have a $0 combined monthly premium for Parts C and D (21 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 (13 of 32), 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 | 13 | 12 | $0.69 | $7,050 | 3 |
| HMO | 10 | 10 | $0 | $5,480 | 1 |
| HMO-POS | 9 | 7 | $26.89 | $4,783 | 1 |
Every plan
2027 Medicare Advantage plans in Douglas 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
13 plans, 12 with a $0 Part C premium, average Part C premium $0.69, average out-of-pocket limit $7,050, 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 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
10 plans, 10 with a $0 Part C premium, average Part C premium $0, average out-of-pocket limit $5,480, 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 |
| 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 |
| Humana Total Complete (HMO)Humana | Not rated | $0 | $0 | $4,650 | $0 | H5178_003 |
HMO-POS
9 plans, 7 with a $0 Part C premium, average Part C premium $26.89, average out-of-pocket limit $4,783, 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 |
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 32 Douglas 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★ 13 plans (41%)
- 4.0★ 4 plans (13%)
- 3.5★ 9 plans (28%)
- 3.0★ 1 plan (3%)
- Not rated 5 plans (16%)
No plan on the Douglas County list has a 5-star 2026 rating.
The county
Who lives in Douglas County
The Census Bureau counts about 377,200 Douglas County residents, 13.9% of them 65 or older, with a median household income of about $149,600 and 3.9% without health insurance.
Four Douglas County hospitals appear in the CMS file, in Castle Rock, Highlands Ranch, Lone Tree and Parker. The county list also applies to the small Douglas County part of Aurora.
How Lisa helps here. Douglas County clients work with Lisa by phone or video.
13.9% of Douglas County residents are 65 or older, against 15.6% for Colorado, and 3.9% have no health insurance.
| Measure | Douglas County | Colorado |
|---|---|---|
| Population | 377,150 | 5,862,189 |
| Residents aged 65 and over | 52,473 | 914,002 |
| Share aged 65 and over | 13.9% | 15.6% |
| Median age | 39.6 | Not shown |
| Median household income | $149,594 | Not shown |
| Share with no health insurance (all ages) | 3.9% | 7.7% |
Where does an older adult in Douglas County start looking for help?
Douglas County government runs an Older Adult Initiative for residents 60 and older, covering help with transportation, in-home support, housing and meals. The general county line is 303-660-7400. Aging Resources of Douglas County answers the Resource Navigation line, 303-814-4300, and the county also funds partner agencies for chore, homemaker and personal care services.
For activities, the county points to the Seniors' Council of Douglas County and its Living Well/Aging Well program, the Castle Rock Senior Activity Center, the Parker Senior Center and the Highlands Ranch Metro District's active adult programs. To report suspected mistreatment or self-neglect of an at-risk adult, call 303-663-6270.
How do I get a ride to a medical appointment in Douglas County?
Start with the county's I Need a Ride program, which gives free information and referrals to transportation for older adults, people with disabilities and their families. You need a physical address in Douglas County, and grant-subsidized rides are open to residents who are 60 or older, live with a disability, or have income below 200 percent of poverty; meeting any one of those is enough. In Lone Tree and Highlands Ranch, Link On Demand, formerly Lone Tree Link, offers free on-demand rides. The county's ride page also lists RTD bus, FlexRide, light rail and Access-a-Ride, so ask Resource Navigation which option reaches your doctor from your address.
Rail reaches the north end of the county. RTD's Southeast Rail Extension added 2.3 miles from Lincoln Station to RidgeGate Parkway in Lone Tree, including a station at Sky Ridge Avenue near Sky Ridge Medical Center. Since June 7, 2026, the R Line runs all the way to RidgeGate Parkway, so a Lone Tree rider can reach Aurora's Fitzsimons Station, the stop for the Anschutz Medical Campus, on the R Line.
Transportation and networks go together here. Douglas County's hospitals in the CMS file are AdventHealth Castle Rock, AdventHealth Parker, UCHealth Highlands Ranch Hospital and Sky Ridge Medical Center in Lone Tree, and they do not all belong to one health system. Before choosing a 2027 plan, check that the hospital you can actually get to is in its network.
Where do Douglas County residents apply for the Medicare Savings Program?
Douglas County Human Services takes applications for Medicare Savings Programs, which help people with limited income and resources pay some or all of their Medicare premiums, and in some cases certain deductibles and coinsurance. You must have Medicare or be eligible for it, and monthly income and resource limits apply. Apply online through Colorado PEAK, call the state at 1-800-221-3943, or file a paper application with the county; mailed applications go to 4400 Castleton Court, Castle Rock, CO 80109. The Human Services office is at 11045 East Lansing Circle in Englewood (Meridian), phone 303-688-4825.
Qualifying for the Medicare Savings Program at the QMB, SLMB or QI level also brings Extra Help with prescription drug costs, according to Medicare.gov, so it is worth applying before you choose a Part D or Medicare Advantage plan rather than after.
The same office handles Health First Colorado and Old Age Pension. Douglas County lists the Old Age Pension rules as age 60 or older, income below $1,032 a month, and resources under $2,000 for an individual or $3,000 for a married couple, with benefits paid on an EBT card. Case questions go to 303-688-4825, Monday through Friday from 8 a.m. to 5 p.m. For free, unbiased Medicare counseling, the Denver Regional Council of Governments' State Health Insurance Assistance Program serves Douglas County. When you are ready to compare and enroll, Lisa works with Douglas County clients by phone or video.
Local sources: Douglas County: Older Adult Initiative · Douglas County: Older Adult Services · Douglas County: I Need a Ride · RTD: E, F and R Line extension fact sheet · RTD: service changes take effect June 7, 2026 (R Line to RidgeGate Parkway) · RTD: R Line facts and figures · CMS Hospital General Information (Provider Data Catalog) · Douglas County: Medicare Savings Program · Douglas County: Old Age Pension · Medicare.gov: Medicare Savings Programs · DRCOG: State Health Insurance Assistance Program
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.
Hospitals
Hospitals in Douglas County
Medicare-certified hospitals the CMS Hospital General Information file records in Douglas 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, 3 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 |
|---|---|---|---|
| AdventHealth Castle RockAcute Care | 2350 Meadows Boulevard, Castle Rock, CO 80109 | Yes | 5 of 5 |
| UCHealth Highlands Ranch HospitalAcute Care | 1500 Park Central Drive, Highlands Ranch, CO 80129 | Yes | 5 of 5 |
| Sky Ridge Medical CenterAcute Care | 10101 Ridgegate Parkway, Lone Tree, CO 80124 | Yes | 3 of 5 |
| AdventHealth ParkerAcute Care | 9395 Crown Crest Boulevard, Parker, CO 80138 | Yes | 5 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.
What changes for 2027
Douglas 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 Douglas County list goes from 62 plans in 2026 to 54 in 2027, and the average in-network out-of-pocket limit moves from $6,220 to $7,066.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans with drug coverage (SNPs included) | 62 | 54 |
| With a $0 combined monthly premium for Parts C and D | 34 | 38 |
| Average in-network out-of-pocket limit | $6,220 | $7,066 |
| Average Part D deductible | $408.39 | $499.69 |
| 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 32, which leaves out Special Needs Plans and includes plans without drug coverage. Clear Spring Health has no Medicare Advantage plan with drug coverage in Douglas County for 2027; Perennial Advantage is new to the Douglas County list.
Of the 21 plans below, 13 plans end with no similar plan in the county, 5 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) H3931-153 | 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 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) |
Erickson Advantage Signature (HMO-POS) H5652-001 | UnitedHealthcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Erickson Advantage Guardian (HMO-POS I-SNP) H5652-003 | UnitedHealthcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Erickson Advantage Champion (HMO-POS C-SNP) H5652-004 | UnitedHealthcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Erickson Advantage Freedom (HMO-POS) H5652-006 | UnitedHealthcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Erickson Advantage Liberty (HMO-POS) H5652-008 | UnitedHealthcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
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 Douglas 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), Perennial Advantage Strive (HMO I-SNP), Perennial Advantage Premier (HMO-POS I-SNP), Anthem Chronic Care (HMO-POS C-SNP), Humana Total Complete (HMO), 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.
Health profile
What is common in Douglas County
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
Douglas County reads at or below the Colorado county average on the headline measures below.
| Measure | Douglas County | Colorado county average |
|---|---|---|
| Diagnosed diabetes | 6.8% | 8.6% |
| High blood pressure | 25.8% | 27.0% |
| Obesity | 25.3% | 26.1% |
| Coronary heart disease | 4.3% | 5.1% |
| COPD | 4.0% | 5.3% |
| Adults 18 to 64 without health insurance | 6.3% | 11.1% |
| Arthritis | 22.3% | 22.9% |
| High cholesterol | 31.4% | 31.5% |
| Stroke | 2.2% | 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.
Special needs
27 Special Needs Plans in Douglas 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
18 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 Complete CO-Q2 (PPO D-SNP)UnitedHealthcare | PPO D-SNP | 4.5★ | $18.40 | $9,850 | H2001_053 |
| UHC Dual Advantage CO-V1 (PPO D-SNP)UnitedHealthcare | PPO D-SNP | 4.5★ | $18.40 | $5,900 | H2001_052 |
| 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 |
| 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 |
| 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 |
| UHC Dual Complete CO-S4 (HMO-POS D-SNP)UnitedHealthcare | HMO-POS D-SNP | Not rated | $18.40 | $9,850 | H0624_008 |
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 |
| Anthem Chronic Care (HMO-POS C-SNP)Anthem Blue Cross and Blue Shield: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | Not rated | $0 | $5,000 | H4346_037 |
| 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 |
The other path
Medigap in Douglas 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.
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 Douglas 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 Douglas 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 Douglas 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
Douglas County Medicare questions
How many Medicare Advantage plans are available in Douglas County for 2027?
Douglas County has 32 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 7 organizations. Of those, 29 have a $0 Part C premium, and 26 have a $0 combined monthly premium for Parts C and D (21 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 Douglas County hospitals have a 5 star CMS rating?
In the CMS Hospital General Information file, AdventHealth Castle Rock, UCHealth Highlands Ranch Hospital and AdventHealth Parker carry a 5 out of 5 overall rating; Sky Ridge Medical Center in Lone Tree is rated 3.
Do Douglas County plans differ from Arapahoe County plans?
Yes, though they overlap. CMS approves plans county by county, so a Douglas County address always uses the Douglas County list.
What changes for Medicare plans in Douglas County in 2027?
Counting Medicare Advantage plans with drug coverage, Special Needs Plans included, Douglas County goes from 62 plans in 2026 to 54 in 2027. (The headline count of 32 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 13 plans ending with no similar plan in the county, 5 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 13 new plans. Clear Spring Health has no Medicare Advantage plan with drug coverage in Douglas County for 2027; Perennial Advantage is new to the Douglas County list. Your plan’s Annual Notice of Change lists what changes for you on January 1.
What does local data say about health coverage in Douglas County?
Census figures (ACS 2020 to 2024 5-year estimates) show 3.9% of Douglas County residents with no health insurance, against 7.7% for Colorado. People under 65 can shop for coverage on Connect for Health Colorado, the state’s own marketplace; open enrollment for 2027 coverage starts November 1, 2026.
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 Douglas County (FIPS 08035), 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=08035&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Douglas 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.
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Let's talk about your coverage in Douglas County
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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 .