D-SNP: 16 plans
For people with both Medicare and Health First Colorado (Colorado Medicaid).
Weld County, Colorado
Weld County, CO Medicare Plans for 2027
Weld County has its own Medicare plan list, shorter than the Adams County list next door, and it shows the largest net drop in plans of any county in this guide for 2027.
- 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
Weld County Medicare at a glance for 2027
- 25 Medicare Advantage plans for Weld County, 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
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.
By the numbers
2027 Medicare Advantage in Weld County
Every figure comes 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 |
What changes for 2027
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.
Of the 20 plans below, 13 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_006. To keep it, enroll in the new plan by December 7, 2026. |
Select Health Medicare Essential (HMO) H1994-027 | Select Health | Renewal Plan with SAR | Not moved automatically. This plan ends in this county, but Select Health offers a plan with the same name under a new plan ID: Select Health Medicare Essential (HMO)H1994_047. 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. |
AARP Medicare Advantage from UHC CO-0013 (PPO) H2406-104 | UnitedHealthcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
AARP Medicare Advantage from UHC CO-0017 (PPO) H2406-110 | UnitedHealthcare | Terminated/Non-renewed Contract | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
Kaiser Permanente Senior Advantage Choice North (PPO) H3138-003 | 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 | 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 | Ends with no similar plan in this county. Not moved automatically: choose a new plan. |
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) |
Aetna Medicare Signature (PPO) H5521-250 | Aetna Medicare | Renewal Plan with SAR | 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 Weld County list for 2027: UHC Dual Complete CO-S4 (HMO-POS D-SNP), Select Health Medicare Essential (HMO), HealthSpring Preferred (HMO), HealthSpring TotalCare Plus (HMO D-SNP), HealthSpring TotalCare (HMO D-SNP), Humana Total Complete (HMO), Aetna Medicare Full Dual Extra Care (HMO D-SNP), DEVOTED C-SNP GIVEBACK EXTRAS 017 CO (HMO C-SNP), DEVOTED GIVEBACK EXTRAS 020 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.
Every plan
2027 Medicare Advantage plans in Weld 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
12 plans, 11 with a $0 Part C premium, average Part C premium $0.75, average out-of-pocket limit $6,983, 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 Value Choice (PPO)Humana | 4.5★ | $0 | $0 | $6,900 | $425 | H7617_064 |
| DEVOTED CHOICE 001 CO (PPO)Devoted Health | 4.0★ | $0 | $0 | $6,050 | $461 | H4808_001 |
| 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
7 plans, 7 with a $0 Part C premium, average Part C premium $0, average out-of-pocket limit $6,101, 1 without drug coverage.
| Plan | 2026 stars | Part C premium | Part C + D | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| DEVOTED CORE 001 CO (HMO)Devoted Health | 4.0★ | $0 | $0 | $4,900 | $461 | H7147_001 |
| Humana Total Complete (HMO)Humana | 3.5★ | $0 | $0 | $4,980 | $0 | H0028_081 |
| Select Health Medicare Veterans (HMO)Select Health, no drug coverage | 3.5★ | $0 | Not published | $6,750 | No drug coverage | H1994_033 |
| DEVOTED GIVEBACK EXTRAS 020 CO (HMO)Devoted Health | Not rated | $0 | $0 | $7,000 | $700 | H7147_020 |
| HealthSpring Preferred (HMO)HealthSpring | Not rated | $0 | $0 | $7,150 | $400 | H2752_006 |
| Humana Total Complete (HMO)Humana | Not rated | $0 | $0 | $4,825 | $0 | H5178_004 |
| Select Health Medicare Essential (HMO)Select Health | Not rated | $0 | $0 | $7,100 | $700 | H1994_047 |
HMO-POS
6 plans, 5 with a $0 Part C premium, average Part C premium $9.17, average out-of-pocket limit $6,025, 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-4 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $0 | $5,500 | $685 | H0609_036 |
| AARP Medicare Advantage from UHC CO-0003 (HMO-POS)UnitedHealthcare | 4.5★ | $0 | $32 | $4,300 | $595 | H0609_034 |
| AARP Medicare Advantage Patriot No Rx CO-MA02 (HMO-POS)UnitedHealthcare, no drug coverage | 4.5★ | $0 | Not published | $5,500 | No drug coverage | H0609_041 |
| Kaiser Permanente Senior Advantage Core North (HMO-POS)Kaiser Permanente | 4.5★ | $0 | $0 | $6,600 | $0 | H0630_020 |
| Kaiser Permanente Senior Advantage Silver North (HMO-POS)Kaiser Permanente | 4.5★ | $55 | $55 | $4,400 | $0 | H0630_021 |
| Anthem Medicare Advantage (HMO-POS)Anthem Blue Cross and Blue Shield | 3.5★ | $0 | $0 | $9,850 | $325 | H4346_012 |
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.
Health profile
What is common in Weld 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, Weld County reads higher on diagnosed diabetes, high blood pressure, obesity, copd and adults under 65 without insurance.
| Measure | Weld County | Colorado county average |
|---|---|---|
| Diagnosed diabetes | 9.5% | 8.6% |
| High blood pressure | 27.8% | 27.0% |
| Obesity | 33.8% | 26.1% |
| Coronary heart disease | 5.1% | 5.1% |
| COPD | 5.5% | 5.3% |
| Adults 18 to 64 without health insurance | 13.7% | 11.1% |
| Arthritis | 21.5% | 22.9% |
| High cholesterol | 31.1% | 31.5% |
| Stroke | 2.7% | 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
Weld County runs above the Colorado county average on diagnosed diabetes and high blood pressure. 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.
Special needs
22 Special Needs Plans in Weld 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: 4 plans
For people with qualifying chronic conditions: Cardiovascular Disorders; Chronic Heart Failure; Diabetes Mellitus.
I-SNP: 2 plans
For people who live in, or need the level of care of, a long-term care facility.
D-SNP
16 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 |
| 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 FULL 012 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $9,850 | H7147_012 |
| DEVOTED DUAL 007 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $4,450 | H7147_007 |
| DEVOTED DUAL PLUS 003 CO (HMO D-SNP)Devoted Health | HMO D-SNP | 4.0★ | $0 | $9,850 | H7147_003 |
| 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 H0028-079 (HMO D-SNP)Humana | HMO D-SNP | 3.5★ | $0 | $6,750 | H0028_079 |
| 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 (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 |
| HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring | HMO D-SNP | Not rated | $18.40 | $9,850 | H2752_008 |
C-SNP
4 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-19 (HMO-POS C-SNP)UnitedHealthcare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | 4.5★ | $0 | $5,900 | H0609_072 |
| DEVOTED C-SNP ENHANCED 010 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $5,400 | H7147_010 |
| 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 |
| DEVOTED C-SNP GIVEBACK EXTRAS 017 CO (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $7,000 | H7147_017 |
I-SNP
2 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 |
| Longevity Health Plan (HMO I-SNP)Longevity Health Plan | HMO I-SNP | Not rated | $18.40 | $9,850 | H0363_001 |
Quality
How the 2026 stars fall
CMS rates each contract from 1 to 5 stars. This shows the 2026 rating for each of the 25 Weld 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★ 8 plans (32%)
- 4.0★ 4 plans (16%)
- 3.5★ 8 plans (32%)
- 3.0★ 1 plan (4%)
- Not rated 4 plans (16%)
No plan on the Weld County list has a 5-star 2026 rating.
The county
Who lives in Weld County
The Census Bureau counts about 350,400 Weld County residents, 12.9% of them 65 or older. Greeley, Fort Lupton, Lochbuie, Hudson, Keenesburg, Dacono, Frederick, Firestone, Platteville and most of Erie all draw from this county plan list.
Weld County runs above the Colorado county average on several conditions in the CDC PLACES estimates, including diabetes, high blood pressure and obesity. That is one reason the Special Needs Plans section on this page deserves a careful read, not a skim.
How Lisa helps here. Southern Weld County is close to the Brighton office, and Lisa meets clients there in person, by phone or by video. Clients further north work with her by phone or video.
12.9% of Weld County residents are 65 or older, against 15.6% for Colorado, and 8.0% have no health insurance.
| Measure | Weld County | Colorado |
|---|---|---|
| Population | 350,396 | 5,862,189 |
| Residents aged 65 and over | 45,353 | 914,002 |
| Share aged 65 and over | 12.9% | 15.6% |
| Median age | 35.3 | Not shown |
| Median household income | $97,097 | Not shown |
| Share with no health insurance (all ages) | 8.0% | 7.7% |
Weld County is huge. Does that change how I should pick a plan?
It does. Weld County covers 4,016 square miles, the third largest county in Colorado, and it holds 32 incorporated municipalities. Greeley, the county seat, sits in the west central part of the county, and the only two Weld County hospitals in the CMS file are both there: Banner North Colorado Medical Center and UCHealth Greeley Hospital.
That means the hospital you would actually use depends on which corner of the county you live in. In the CMS file, the nearest hospitals for Fort Lupton, Hudson and Keenesburg are in Brighton and Greeley; for Frederick, they are in Longmont; for Erie, they are in Lafayette and Longmont. In other words, many southern Weld households lean on hospitals in Adams or Boulder County, while the plan list they choose from is the Weld County list.
So before you compare premiums, write down the hospital and doctors you would really drive to. A Medicare Advantage plan sold in Weld County can still include a Brighton or Longmont hospital in its network, or it may not. That check comes first, and it is the first thing Lisa runs for a Weld County client.
Who gives free Medicare counseling in Weld County?
The State Health Insurance Assistance Program (SHIP) is organized county by county, and the partner changes at the county line. For 2026 and 2027, the Colorado Division of Insurance lists UCHealth Aspen Club/Senior Services as the SHIP partner for Weld County, at (970) 495-8558. Next door in Adams County, the partner is a different organization, Benefits In Action. If you live in Weld County but shop or see doctors near Brighton, call the Weld County partner; your county of residence is what counts.
The Weld County Area Agency on Aging, at 315 N. 11th Ave., Building A, in Greeley, (970) 400-6950, is the place for broader help: its Options Counselor and resource line, (970) 400-6952, connects adults 60 and over with services across the county.
Southern Weld County is close to the Headwaters Health and Wealth office in Brighton, and Lisa meets clients from Fort Lupton, Lochbuie, Hudson and Keenesburg in person, as well as by phone or video. Clients in Dacono, Frederick, Firestone and towns further north work with her by phone or video, and anyone is welcome to visit the Brighton office.
What does Weld County help pay for that Medicare does not?
Medigap policies do not cover dental, vision, hearing aids or eyeglasses, the Colorado Division of Insurance reminds shoppers, and Original Medicare leaves those costs to you as well. The Weld County Area Agency on Aging fills part of that gap locally:
- Dental, Vision and Hearing: helps adults 60 and over pay for exams, dentures, glasses and hearing aids. Call (970) 400-6629.
- Friendly Fork: lunches for older adults at locations across Weld County, (970) 400-6132.
- Meals on Wheels Greeley and Weld County: meals delivered to the home five days a week, (970) 353-9738.
- Chore Program and In-Home Services: help with yard work, snow shoveling, cooking, medication reminders and personal care for adults 60 and over.
How do older adults across Weld County get to the doctor?
Distance is a real cost in a county this size. 60+ Ride provides free, door-to-door transportation for adults 60 and older in Weld County; requests go to (970) 352-9348, Monday to Friday, 9:00 a.m. to 4:00 p.m. RideNoCo, (970) 514-3636, is a central information hub for transportation options in Northern Colorado: it points you to a ride rather than providing one.
These programs shape the insurance decision in two ways. Some Medicare Advantage plans add dental, vision, hearing or ride benefits, and others do not, so knowing what the county already offers helps you judge whether a plan extra is worth a higher premium or a narrower network. And if you count on a ride to reach a Greeley or Longmont specialist, that specialist needs to be in your plan network. Lisa lines both up before you choose.
Local sources: Weld County: Live and Work (county size, municipalities, county seat) · CMS Hospital General Information (Provider Data Catalog) · Colorado Division of Insurance: Regional SHIP sub-grantee agencies by county, 2026/2027 (PDF) · Weld County: Area Agency on Aging · Colorado Division of Insurance: Medicare Supplement Insurance Policies in Colorado, 2025 to 2026 (PDF)
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 Weld County
Medicare-certified hospitals the CMS Hospital General Information file records in Weld County, with the CMS overall star rating. A rating is not network status: check each hospital against a plan.
2 Medicare-certified hospitals are listed; whether each is in a plan’s network is a separate question.
| Hospital | Address | Emergency services | CMS overall rating |
|---|---|---|---|
| Banner North Colorado Medical CenterAcute Care | 1801 16th Street, Greeley, CO 80631 | Yes | 4 of 5 |
| UCHealth Greeley HospitalAcute Care | 6767 29th Street, Greeley, CO 80634 | Yes | 4 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.
Under 65
Health insurance before Medicare in Weld 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 13.7% of adults aged 18 to 64 in Weld 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.
The other path
Medigap in Weld 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 Weld 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 Weld 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 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.
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
Weld County Medicare questions
How many Medicare Advantage plans are available in Weld County for 2027?
Weld County 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.
Are Weld County Medicare plans different from Adams County plans?
Yes. CMS approves plans by county, and Weld County has its own, shorter list. Many carriers offer plans in both counties, but the count, the plans and some of the terms differ, so always compare the list for the county on your address.
Which Weld County communities does this guide cover?
All of them, because the plan list is countywide. This site also has pages for Greeley, Fort Lupton, Lochbuie, Hudson, Keenesburg, Dacono, Frederick, Firestone, Platteville and Erie, each with that community’s own Census, health and hospital figures.
What changes for Medicare plans in Weld County 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 Weld County?
Census figures (ACS 2020 to 2024 5-year estimates) show 8.0% of Weld 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 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, 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=08123&datavaluetypeid=CrdPrv.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Weld 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
- Fort LuptonWeld County
- LochbuieWeld County
- HudsonWeld County
- KeenesburgWeld County
- DaconoWeld County
- FrederickWeld County
- FirestoneWeld County
- ErieWeld County
- PlattevilleWeld County
- GreeleyWeld County
- 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 Weld 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 .