Colorado · 2026 plan year

Medicare Advantage HMO plans in Colorado

There are 101 Medicare Advantage HMO plans in Colorado from 12 carriers, averaging 4.13 out of 5 stars across the 96 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

101
HMO plans
12
Carriers
64
Counties covered
4.1
Avg stars (96 of 101 rated)
$6,369
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

Colorado has 6 five-star Medicare Advantage HMO plans.

Of the 101 HMO plans here, 6 carry CMS's top overall rating of 5 stars and 68 rate 4 or above. That matters beyond quality: a 5-star plan can be joined at almost any point in the year through a special enrollment period, rather than only during the autumn window.

Colorado HMO plans rate well above the national average.

Averaged across the 96 rated plans here, HMO coverage in Colorado scores 4.13 stars against a national median of 3.82 for this plan type — 7th highest of 49 states. Star ratings measure the contract's performance on care quality, member experience and complaints.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Colorado

Showing 5 of 101. See all ColoradoMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
UnitedHealthcareUnitedHealth Group, Inc.274.67
Kaiser PermanenteKaiser Foundation Health Plan, Inc.234.53
Select HealthIntermountain Health Care, Inc.104.5
Devoted HealthDevoted Health, Inc.94.07
Anthem Blue Cross and Blue ShieldElevance Health, Inc.83.51
Aetna MedicareCVS Health Corporation73.23
HumanaHumana Inc.53.52
Cigna HealthCareHealth Care Service Corporation43.02
Perennial AdvantagePerennial Consortium, LLC32
Clear Spring HealthGroup 100123.01
Elevate Medicare AdvantageDenver Health and Hospital Authority23.51
Longevity Health PlanLongevity Health Founders, LLC11
Other plan types in Colorado

How HMO compares

All ColoradoMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Colorado Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Colorado?
Of the Colorado HMO plans with a published premium, 92% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $6,369 across these plans.
What are the star ratings for Colorado HMO plans?
The 96 rated HMO plans in Colorado average 4.13 out of 5 stars, with 68 rating 4 or better and 6 rating a full 5. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Colorado?
There are 101 HMO plans from 12 carriers, sold across 64 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 30 of them are Special Needs Plans with extra eligibility rules (see below).
Do Colorado HMO plans include prescription drug coverage?
101 of the 101 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Colorado?
30 of the 101 HMO plans in Colorado are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Colorado Medicare Advantage plans.

Estimate my costs — it’s free →