Lochbuie, CO Medicare and Health Coverage 2027
Lochbuie straddles the Weld and Adams county line, so the first Medicare question here is which county your address is in. This page answers that and shows the plans with the lowest yearly out-of-pocket limits.
- 25 Medicare Advantage plans in Weld County, 2027
- 23 With a $0 Part C premium (20 with $0 for Parts C and D combined)
- 8 Organizations offering plans
- 22 Special Needs Plans, counted separately
Lochbuie Medicare at a glance for 2027
- 25 Medicare Advantage plans for Lochbuie residents (Weld County list), Special Needs Plans not counted. Of those, 23 have a $0 Part C premium, and 20 have a $0 combined monthly premium for Parts C and D (15 of those include drug coverage; 5 have no drug coverage, so no Part D premium).
- In-network out-of-pocket maximums from $4,300 to $9,850 a year
- 8 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
Check your county first. Part of Lochbuie lies in Adams County. If your address is there, use that county’s plan list: Adams County guide.
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 Essentials from UHC CO-4 (HMO-POS)UnitedHealthcare · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $5,500 · drug deductible $685
- Kaiser Permanente Senior Advantage Core North (HMO-POS)Kaiser Permanente · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $6,600 · drug deductible $0
- Humana Value Choice (PPO)Humana · Part C + D premium $0 a month · 4.5★ (2026) · out-of-pocket max $6,900 · drug deductible $425
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.
Lochbuie at a glance
The State Demography Office puts about 8,500 Lochbuie residents in Weld County and about 240 in Adams County. The Census Bureau counts 9.6% of the town as 65 or older, with a median household income of about $97,000. CDC PLACES estimates that 18.7% of adults aged 18 to 64 have no health insurance.
Most Lochbuie addresses use the Weld County plan list, shown on this page; the Adams County part uses the Adams County list. A lower out-of-pocket limit matters most when you expect regular care, which is why the table below sorts the Weld County plans by that limit. The closest hospital in the CMS file is Platte Valley Hospital in Brighton.
How Lisa helps here. Lochbuie is close to the Brighton office. Lisa meets Lochbuie clients in Brighton, by phone or by video, and confirms the county on your address before comparing a single plan.
9.6% of Lochbuie residents are 65 or older, against 15.6% for Colorado, and 6.2% have no health insurance.
| Measure | Lochbuie | Weld County | Colorado |
|---|---|---|---|
| Population | 8,609 | 350,396 | 5,862,189 |
| Residents aged 65 and over | 828 | 45,353 | 914,002 |
| Share aged 65 and over | 9.6% | 12.9% | 15.6% |
| Median age | 34.9 | 35.3 | Not shown |
| Median household income | $97,009 | $97,097 | Not shown |
| Share with no health insurance (all ages) | 6.2% | 8.0% | 7.7% |
Lochbuie spans 2 counties, and each county part uses its own plan list, so check which county your address is in first.
| County part | Residents | Plan list |
|---|---|---|
| Weld County | 8,537 | Weld County guide |
| Adams County | 242 | Adams County guide |
How did a 1961 mobile home park become the Town of Lochbuie?
The town's own history starts with Gordon McClain, who owned land along the Weld and Adams county line next to what was then Interstate 80 South. In 1961 he developed a 12-acre mobile home subdivision called Spacious Living, nicknamed Space City. In 1974 residents voted to incorporate so they could improve their water and sewer systems, and they named the new town Lochbuie after the Isle of Mull home of McClain's grandparents. In Scottish Gaelic the name means Lake of the Fair-haired Clan.
The highway became Interstate 76 in July 1976, and the town grew along it into both counties. Weld County's history notes that the 1995 opening of Denver International Airport helped that growth. Today the town describes itself as central to Boulder, Denver, Aurora and Greeley.
I still work in the metro area. Do I have to take Medicare at 65?
Not always. Lochbuie sits on the I-76 corridor between the airport and the rest of the metro, and if your job comes with health benefits, that changes the timing. Medicare.gov explains that if you or your spouse are still working and covered by a group health plan through that job, you may be able to wait to sign up for Part B without a late enrollment penalty. The size of the employer matters, so ask the benefits office whether you need Part A and Part B at 65.
When the job or the coverage ends, Medicare gives you 8 months to add Part B without a penalty. That window starts when the work or the coverage stops, even if you take COBRA. Retiree coverage and COBRA are not the same as coverage from current work, which is the trap: missing the window can mean a permanent penalty. Lisa maps those dates for you before you leave a job, in Brighton or on a phone or video call.
Which county help do I use if my address is in Lochbuie?
Lochbuie was incorporated in both Weld County and Adams County, and several kinds of free help are organized by county, not by town. Your Medicare Advantage list follows your county, and so do these:
- Free Medicare counseling (SHIP): for 2026 and 2027 the state names UCHealth Aspen Club/Senior Services on the Weld side, (970) 495-8558, and Benefits In Action on the Adams side, (720) 221-8354. Either way, SHIP also answers statewide at 1-888-696-7213.
- Area Agency on Aging: the Weld County Area Agency on Aging in Greeley, (970) 400-6950, for a Weld County address; the Denver Regional Council of Governments (DRCOG) for Adams County.
- Health First Colorado and Medicare Savings Program applications: Weld County Human Services, (970) 400-6012, with an office in Fort Lupton; or Adams County Human Services, whose main office is at 11860 Pecos Street, Westminster, (720) 523-2000.
Where do Lochbuie seniors get together, and is lunch part of a plan?
The Afterglows Senior Center at 501 Willow Drive is the town's own spot. The town lists drop-in games, puzzles and conversation on Mondays from 9 a.m. to noon, a Friendly Fork lunch on Tuesdays at 12:15 p.m. served by the Weld County Area Agency on Aging for people 60 and older (reserve by 11 a.m. the Monday before at (303) 659-8262, suggested donation $5.00), and a potluck lunch on Fridays at noon.
That Tuesday lunch is a county program, not an insurance benefit, and it does not depend on which Medicare plan you have. That is worth knowing when a plan advertises extras. Compare the core first: the county on your address, your doctors at Intermountain Health Platte Valley Hospital in Brighton or wherever you actually go, your prescriptions and the yearly out-of-pocket limit. Then weigh the extras.
Lochbuie is one of the closest towns to the Headwaters office in Brighton, so an in-person review is easy to fit in. Bring your Medicare card, your drug list and the Annual Notice of Change if you already have a plan.
Local sources: Town of Lochbuie: History · History of Weld: Incorporated Towns of Weld County (Lochbuie) · Medicare.gov: Working past 65 · Colorado Division of Insurance: Regional SHIP sub-grantee agencies by county, 2026/2027 (PDF) · Colorado Division of Insurance: Senior Health Care and Medicare Assistance (SHIP) · Weld County: Area Agency on Aging · DRCOG: Area Agency on Aging · Weld County: Medicaid assistance · Adams County: Human Services · Colorado HCPF: Medicare Savings Programs (apply through your county of residence) · Town of Lochbuie: Afterglows Senior Center · CMS Hospital General Information (Provider Data Catalog)
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.
2027 Medicare Advantage in Weld County
Medicare Advantage plans are approved by county, so Lochbuie residents see the Weld County list (unless their address is in another county part). Figures from the CMS Landscape file for contract year 2027; Special Needs Plans are counted separately.
- $2.56 Average monthly Part C premium
- $8.92 Average Part C + D premium
- 20 Plans that include drug coverage
- $4,300 Lowest in-network out-of-pocket limit
- $6,506 Average in-network out-of-pocket limit
- $9,850 Highest in-network out-of-pocket limit
- $409.40 Average Part D deductible (plans with drugs)
- 12 Plans with a 2026 rating of 4★ or more
- 3.95★ Average 2026 star rating (rated plans)
Two ways to count "$0 premium" plans: 23 have a $0 Part C premium, and 20 have a $0 combined monthly premium for Parts C and D (15 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 (12 of 25), 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 | 12 | 11 | $0.75 | $6,983 | 3 |
| HMO | 7 | 7 | $0 | $6,101 | 1 |
| HMO-POS | 6 | 5 | $9.17 | $6,025 | 1 |
Plans with the lowest in-network out-of-pocket limits
The out-of-pocket limit is the most you pay in a year for covered in-network Part A and Part B services. It matters most when care is frequent. From the Weld County list, CMS contract year 2027.
10 plans on the Weld County list fit this group, with monthly Part C + D premiums from $0 to $55.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC CO-0003 (HMO-POS)UnitedHealthcare | HMO-POS | 4.5★ | $32 | $4,300 | $595 | H0609_034 |
| Kaiser Permanente Senior Advantage Silver North (HMO-POS)Kaiser Permanente | HMO-POS | 4.5★ | $55 | $4,400 | $0 | H0630_021 |
| Humana Total Complete (HMO)Humana | HMO | Not rated | $0 | $4,825 | $0 | H5178_004 |
| DEVOTED CORE 001 CO (HMO)Devoted Health | HMO | 4.0★ | $0 | $4,900 | $461 | H7147_001 |
| HumanaChoice H5216-223 (PPO)Humana | PPO | 3.5★ | $20 | $4,900 | $300 | H5216_223 |
| Humana Total Complete (HMO)Humana | HMO | 3.5★ | $0 | $4,980 | $0 | H0028_081 |
| AARP Medicare Advantage Essentials from UHC CO-4 (HMO-POS)UnitedHealthcare | HMO-POS | 4.5★ | $0 | $5,500 | $685 | H0609_036 |
| AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS)UnitedHealthcare | HMO-POS | 4.5★ | Not published | $5,500 | No drug coverage | H0609_041 |
| Aetna Medicare Eagle (PPO)Aetna Medicare | PPO | 4.5★ | Not published | $5,500 | No drug coverage | H5521_378 |
| DEVOTED CHOICE 001 CO (PPO)Devoted Health | PPO | 4.0★ | $0 | $6,050 | $461 | H4808_001 |
See every Weld County plan with premiums and limits, or compare plans for your ZIP code with the plan finder.
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.
What is common in Lochbuie
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, Lochbuie reads higher on diagnosed diabetes, obesity and adults under 65 without insurance.
| Measure | Lochbuie | Weld County | Colorado county average |
|---|---|---|---|
| Diagnosed diabetes | 8.9% | 9.5% | 8.6% |
| High blood pressure | 24.8% | 27.8% | 27.0% |
| Obesity | 35.9% | 33.8% | 26.1% |
| Coronary heart disease | 4.1% | 5.1% | 5.1% |
| COPD | 5.1% | 5.5% | 5.3% |
| Adults 18 to 64 without health insurance | 18.7% | 13.7% | 11.1% |
| Arthritis | 18.1% | 21.5% | 22.9% |
| High cholesterol | 28.2% | 31.1% | 31.5% |
| Stroke | 2.4% | 2.7% | 2.7% |
CDC PLACES: Local Data for Better Health, Place 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
Lochbuie runs above the Colorado county average on diagnosed diabetes. The chronic-condition Special Needs Plans on the Weld 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.
Hospitals near Lochbuie
Medicare-certified hospitals in Brighton from the CMS Hospital General Information file, with the CMS overall star rating. A rating is not network status: check each hospital against a plan.
1 Medicare-certified hospital is listed; whether each is in a plan’s network is a separate question.
| Hospital | Address | Emergency services | CMS overall rating |
|---|---|---|---|
| Intermountain Health Platte Valley HospitalAcute Care | 1600 Prairie Center Parkway, Brighton, CO 80601 | 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).
Weld 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 Weld County list goes from 53 plans in 2026 to 42 in 2027, and the average in-network out-of-pocket limit moves from $6,757 to $7,710.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans with drug coverage (SNPs included) | 53 | 42 |
| With a $0 combined monthly premium for Parts C and D | 28 | 28 |
| Average in-network out-of-pocket limit | $6,757 | $7,710 |
| Average Part D deductible | $436.42 | $533.21 |
| 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 25, which leaves out Special Needs Plans and includes plans without drug coverage. Clear Spring Health has no Medicare Advantage plan with drug coverage in Weld County for 2027.
13 plans on the 2026 Weld County list end with no similar plan in the county, including Select Health Medicare + Kroger (HMO), Select Health Medicare Flex (HMO), Select Health Medicare Active (HMO). 4 more plans end while the same company offers a plan with the same or a similar name under a new plan ID (HealthSpring TotalCare (HMO D-SNP), HealthSpring TotalCare Plus (HMO D-SNP), HealthSpring Preferred (HMO) and Select Health Medicare Essential (HMO)). Members are not moved into the new plan automatically; to keep it, enroll in the new plan ID by December 7, 2026. The full list is on the Weld County guide.
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.
Before you choose a plan in Lochbuie
- 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 Weld 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.
New to terms like MOOP, HMO-POS or D-SNP? They are explained in plain English on the Weld County page and in the guide Medicare Advantage plan types.
Lochbuie Medicare questions
How many Medicare Advantage plans are available in Lochbuie for 2027?
Lochbuie uses the Weld County plan list for most addresses. It has 25 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 8 organizations. Of those, 23 have a $0 Part C premium, and 20 have a $0 combined monthly premium for Parts C and D (15 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.
Is Lochbuie in Weld County or Adams County?
Both. Most of the town and almost all residents are in Weld County, and a small part is in Adams County. Medicare Advantage plans follow the county on your address, so a Weld County address uses the Weld list and an Adams County address uses the Adams list.
What is the lowest out-of-pocket maximum on a Lochbuie Medicare Advantage plan?
The table on this page lists the Weld County plans with the lowest in-network out-of-pocket limits for 2027. A low limit usually comes with other trade-offs, such as a narrower network or higher copays, so compare the whole plan with your doctors in mind.
What changes for Medicare plans in Lochbuie in 2027?
Counting Medicare Advantage plans with drug coverage, Special Needs Plans included, Weld County goes from 53 plans in 2026 to 42 in 2027. (The headline count of 25 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, 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 9 new plans. Clear Spring Health has no Medicare Advantage plan with drug coverage in Weld County for 2027. Your plan’s Annual Notice of Change lists what changes for you on January 1.
What does local data say about health coverage in Lochbuie?
Census figures (ACS 2020 to 2024 5-year estimates) show 6.2% of Lochbuie 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.
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 Weld County (FIPS 08123), 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, Place 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/eav7-hnsx.json?locationid=0845530&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Lochbuie town, 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.
- County parts: Colorado State Demography Office (Department of Local Affairs), 2024 municipal population by county part (query), retrieved 2026-10-14; county membership also checked against the Census 2020 place by county reference file.
- 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.
More Colorado guides
- Fort LuptonWeld County
- HudsonWeld County
- KeenesburgWeld County
- DaconoWeld County
- FrederickWeld County
- FirestoneWeld County
- ErieWeld County
- PlattevilleWeld County
- GreeleyWeld County
- Weld CountyCounty guide
- BrightonAdams County
- Commerce CityAdams County
- ThorntonAdams County
- HendersonAdams County
- NorthglennAdams County
- WestminsterAdams County
- Federal HeightsAdams County
- LongmontBoulder County
- AuroraArapahoe County
- DenverDenver County
- BroomfieldBroomfield County
- Fort CollinsLarimer County
- ColoradoStatewide guide
- Adams 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 Lochbuie
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 .