Northglenn, CO Medicare Plans and Drug Costs 2027
For many Northglenn retirees the deciding number is not the premium but what prescriptions will cost. This page puts the drug side of the 2027 plans first.
- 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
Northglenn Medicare at a glance for 2027
- 36 Medicare Advantage plans for Northglenn residents (Adams County list), 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.
Northglenn at a glance
The Census Bureau counts about 38,000 Northglenn residents, 13.2% of them 65 or older, a higher share than nearby Thornton or Commerce City. Median household income is about $84,000. In the CDC PLACES estimates, Northglenn adults are above the Colorado county average on diabetes (9.5%) and high blood pressure (27.7%), two conditions that usually mean regular prescriptions.
Northglenn is in Adams County (the State Demography Office counts 25 residents in a Weld County sliver), so residents choose from the Adams County plan list. The plans with drug coverage and the lowest Part D deductibles are listed below, followed by the standalone Part D plans for anyone keeping Original Medicare. The nearest hospitals in the CMS file are in Thornton and Westminster.
How Lisa helps here. Northglenn is a short drive from the Brighton office. Lisa runs your actual prescription list against each plan, at the office, by phone or by video, because the deductible is only part of what you pay.
13.2% of Northglenn residents are 65 or older, against 15.6% for Colorado, and 8.5% have no health insurance.
| Measure | Northglenn | Adams County | Colorado |
|---|---|---|---|
| Population | 38,014 | 530,225 | 5,862,189 |
| Residents aged 65 and over | 5,009 | 59,925 | 914,002 |
| Share aged 65 and over | 13.2% | 11.3% | 15.6% |
| Median age | 34.8 | 34.8 | Not shown |
| Median household income | $84,030 | $94,571 | Not shown |
| Share with no health insurance (all ages) | 8.5% | 11.6% | 7.7% |
What does the Northglenn Senior Center offer, and can it help with costs?
The Northglenn Senior Center is inside the Northglenn Recreation Center at 1 East Memorial Parkway, at the south entrance, and it is open weekdays from 8 a.m. to 4 p.m. for people 55 and up (303-450-8801). Most activities need advance registration, even the free ones.
The city also runs a small assistance fund for residents 55 and older whose needs cannot be met through Adams County or other programs. It can help with things like home maintenance, accessibility problems, car repair and emergency funds, up to a $500 cap, and it does not pay off debt or regular monthly bills.
A one-time repair grant helps, but medical bills are where a fixed income usually gets hurt. That is the reason to look hard at the yearly out-of-pocket limit on a Medicare Advantage plan, or at a Medigap policy that leaves very little to pay after Original Medicare. Lisa walks through both with you, using your real prescriptions and doctors. The city's senior resource list also points to the Adams County Aging Network (303-760-8388), Adams County Human Services for emergency and financial help, and the LEAP energy assistance program.
How did Northglenn grow up next to Thornton, and does that change my Medicare plans?
Northglenn began as a planned subdivision. In the spring of 1959, Perl-Mack finalized plans for a 280-acre community in unincorporated Adams County, with schools, a golf course, churches, parks and a regional shopping center at its heart. More than 15,000 people toured the first five show homes, at what is now the northeast corner of Interstate 25 and 104th Avenue, on June 30, 1959, and by October 1962 the development had 10,000 residents and 3,000 homes. Life magazine and the National Association of Home Builders gave it national recognition in 1961.
Becoming a city took longer. Residents voted to incorporate on October 13, 1964, the City of Thornton opposed it in court, and the Colorado Supreme Court upheld the vote on January 31, 1969. Northglenn officially incorporated on April 19, 1969.
For Medicare, the old city line with Thornton does not matter. Both cities sit in Adams County, and plans are approved county by county, so a house on either side of the line chooses from the same Adams County list. What does differ from house to house is which doctors you use, and that is what decides the plan.
How can I get to medical appointments from Northglenn without a car?
The city's senior resource list names several options. A-Lift, the Adams County Community Transit service, takes urban Adams County residents 60 and over, and disabled residents of any age, to medical and dental appointments, adult day programs, grocery stores and personal trips within seven miles of home; call a few days ahead. DRCOG runs a transportation voucher program with free rides for people over 60 who qualify (720-278-2345 or 303-480-6700). RTD FlexRide covers a Thornton and Northglenn zone with curb-to-curb service, and Access-a-Ride serves people certified under the Americans with Disabilities Act.
Rail is close too: RTD's N Line stops at Northglenn•112th, with trains to Union Station every 20 minutes at peak times.
Before you pick a plan, check where its in-network specialists actually are. The nearest hospitals in the CMS file are HCA HealthOne Mountain Ridge in Thornton and St. Anthony North Hospital in Westminster; a plan built around Denver or Aurora hospitals means longer trips. Some Medicare Advantage plans list a transportation benefit; if you rely on rides, Lisa looks for it in the plan's Evidence of Coverage. She meets Northglenn clients at the Brighton office or by phone or video.
Local sources: City of Northglenn: Senior Center · City of Northglenn: Senior Resources (A-Lift, DRCOG vouchers, FlexRide) · City of Northglenn: History · RTD: N Line facts and figures · CMS Hospital General Information (Mountain Ridge address)
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 Adams County
Medicare Advantage plans are approved by county, so Northglenn residents see the Adams County list. Figures 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 |
Plans with drug coverage and the lowest Part D deductibles
The deductible is what you pay for covered drugs before the plan starts sharing the cost. Your real drug costs depend on each drug’s tier, so check your own list. From the Adams County list, CMS contract year 2027.
10 plans on the Adams County list fit this group, with monthly Part C + D premiums from $0 to $194.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Kaiser Permanente Senior Advantage Bronze DM (HMO-POS)Kaiser Permanente | HMO-POS | 4.5★ | $0 | $6,800 | $0 | H0630_025 |
| Kaiser Permanente Senior Advantage Core DM (HMO-POS)Kaiser Permanente | HMO-POS | 4.5★ | $0 | $4,400 | $0 | H0630_013 |
| Kaiser Permanente Senior Advantage Gold (HMO-POS)Kaiser Permanente | HMO-POS | 4.5★ | $194 | $3,300 | $0 | H0630_016 |
| Kaiser Permanente Senior Advantage Silver DM (HMO-POS)Kaiser Permanente | HMO-POS | 4.5★ | $48 | $3,600 | $0 | H0630_015 |
| Humana Total Complete (HMO)Humana | HMO | 3.5★ | $0 | $4,750 | $0 | H0028_081 |
| Perennial Advantage Freedom (HMO-POS)Perennial Advantage | HMO-POS | Not rated | $0 | $3,500 | $0 | H3419_003 |
| Humana Essentials Plus Giveback (HMO)Humana | HMO | 3.5★ | $0 | $6,500 | $50 | H0028_063 |
| Elevate Medicare Select (HMO)Elevate Medicare Advantage | HMO | 3.5★ | $0 | $9,850 | $300 | H5608_002 |
| HumanaChoice H5216-223 (PPO)Humana | PPO | 3.5★ | $20 | $4,900 | $300 | H5216_223 |
| Select Health Medicare Essential (HMO)Select Health | HMO | 3.5★ | $0 | $4,900 | $300 | H1994_027 |
See every Adams 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 Northglenn
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, Northglenn reads higher on diagnosed diabetes, high blood pressure, obesity, copd and adults under 65 without insurance.
| Measure | Northglenn | Adams County | Colorado county average |
|---|---|---|---|
| Diagnosed diabetes | 9.5% | 9.7% | 8.6% |
| High blood pressure | 27.7% | 27.3% | 27.0% |
| Obesity | 33.0% | 33.2% | 26.1% |
| Coronary heart disease | 5.0% | 4.7% | 5.1% |
| COPD | 5.5% | 5.1% | 5.3% |
| Adults 18 to 64 without health insurance | 15.7% | 17.2% | 11.1% |
| Arthritis | 21.0% | 20.0% | 22.9% |
| High cholesterol | 31.0% | 31.0% | 31.5% |
| Stroke | 2.8% | 2.6% | 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
Northglenn 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.
Hospitals near Northglenn
Medicare-certified hospitals in Thornton and Westminster 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.
2 Medicare-certified hospitals are listed, 1 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 |
|---|---|---|---|
| HCA HealthOne Mountain RidgeAcute Care | 9191 Grant Street, Thornton, CO 80229 | Yes | 3 of 5 |
| CommonSpirit St. Anthony North HospitalAcute CareCorrected: Listed in the CMS file under its former name, Centura Health St. Anthony North Health Campus. Its Westminster address is filed under Broomfield County in the CMS file. | 14300 Orchard Parkway, Westminster, CO 80023 | 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).
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.
8 plans on the 2026 Adams 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 Aetna Medicare Signature (HMO-POS)). 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 Adams 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 Northglenn
- 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.
New to terms like MOOP, HMO-POS or D-SNP? They are explained in plain English on the Adams County page and in the guide Medicare Advantage plan types.
Northglenn Medicare questions
How many Medicare Advantage plans are available in Northglenn for 2027?
Northglenn uses the Adams County plan list. It 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.
What is the most I can pay for prescriptions with Medicare in 2027?
For 2027, CMS caps out-of-pocket Part D drug costs at $2,400 a year, up from $2,100 in 2026, and the maximum standard Part D deductible rises to $700. Plans can set a lower deductible; the table on this page shows the Adams County plans with the lowest ones.
Which hospitals are closest to Northglenn?
In the CMS file, the nearest acute care hospitals are HCA HealthOne Mountain Ridge in Thornton and St. Anthony North Hospital in Westminster. Network status differs by plan, so check each one before you enroll.
What changes for Medicare plans in Northglenn 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.
What does local data say about health coverage in Northglenn?
Census figures (ACS 2020 to 2024 5-year estimates) show 8.5% of Northglenn 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 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, 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=0854330&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Northglenn city, 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 Northglenn
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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 .