Best Medicare Supplement Plans in Colorado 2026
Colorado has over 235,000+ Medigap enrollees. Plan G starts at just $113/mo in Denver. We compared 25+ carriers to find the best coverage for retirees in the Centennial State.
Colorado Has One of the Youngest Medicare Populations in the Country
Colorado's Medicare population is growing steadily, with over 1.1 million total Medicare enrollees and 235,000+ Medigap policyholders. Denver, Boulder, Fort Collins, and Colorado Springs attract active retirees who value comprehensive coverage. Plan G starts at just $113/mo in Denver. Colorado has no birthday rule or anniversary rule, so your 6-month Open Enrollment Period at age 65 is your best chance to lock in coverage without medical underwriting.
More than 235,000 people in Colorado have Medicare Supplement Insurance, or Medigap. Colorado is home to some of the most active retirees in the country, with Denver, Boulder, Fort Collins, Colorado Springs, and mountain communities like Aspen and Vail drawing retirees who want comprehensive healthcare coverage. With over 25 carriers licensed in the state, Colorado offers a competitive Medigap market where Plan G starts at just $113 per month in Denver.
Plan G is the most popular Medicare Supplement plan for new enrollees in Colorado. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Colorado uses attained-age rating, meaning premiums increase as you age, so enrolling during your 6-month Open Enrollment Period at age 65 is the best way to lock in the lowest possible rate. Unlike California or Missouri, Colorado has no birthday rule or anniversary rule. Your OEP is your primary guaranteed-issue window.
Compare the Best Medicare Supplement Plans in Colorado
Our top-rated Medigap carriers in Colorado, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Denver. Rates in Boulder, Colorado Springs, and other regions may vary.
Mutual of Omaha
Plan G
$148/mo
Plan N
$107/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier in Colorado, combining A+ financial strength with outstanding U.S.-based customer service. Their 7% household discount and consistent rate history make them the go-to choice for Colorado retirees who want reliability over the lowest possible premium.
AARP / UnitedHealthcare
Plan G
$159/mo
Plan N
$115/mo
AM Best
A
AARP/UnitedHealthcare is the largest Medicare Supplement insurer in Colorado by enrollment. Their broad plan selection and added member benefits like a 24/7 nurse hotline make them a strong choice, though premiums run higher than budget options. Best for enrollees who value brand recognition and plan variety.
Cigna / HealthSpring
Plan G
$120/mo
Plan N
$87/mo
AM Best
A
Cigna offers one of the most competitive Plan G premiums in the Denver market, making them attractive for budget-conscious enrollees. Their complaint ratio runs higher than Mutual of Omaha or AARP/UHC. Best for healthy enrollees who want to minimize monthly costs and are comfortable shopping again in a few years.
Humana
Plan G
$133/mo
Plan N
$96/mo
AM Best
A-
Humana stands out in Colorado for including the SilverSneakers fitness benefit, which gives members free access to thousands of gyms and fitness centers statewide. For active Colorado retirees in Denver, Boulder, Fort Collins, or mountain communities, the fitness perk adds real value on top of solid Medigap coverage.
Wellabe
Plan G
$126/mo
Plan N
$91/mo
AM Best
A-
Wellabe (formerly Medico) offers a compelling middle ground in Colorado: cheaper than Mutual of Omaha and AARP/UHC, with a much better complaint record than Cigna. For Colorado enrollees who want to save money without taking on the service risk of the cheapest option, Wellabe is worth a quote.
Medicare Supplement Prices in Colorado
Sample monthly premiums from top carriers in Denver. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Colorado uses attained-age rating, so premiums will increase as you age. Boulder and Colorado Springs rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Cigna / HealthSpring | $120 | $87 | $144 |
| Wellabe | $126 | $91 | N/A |
| Humana | $133 | $96 | $158 |
| Mutual of Omaha | $148 | $107 | $172 |
| AARP / UnitedHealthcare | $159 | $115 | $182 |
| NHIC | $121 | $88 | $146 |
| Bankers Fidelity | $122 | $89 | $148 |
| State Farm | $151 | $109 | N/A |
Lowest available in Colorado (Denver): Plan G from $113/mo | Plan N from $87/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Plan G vs. Plan N in Colorado
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Colorado. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Denver) | $113-$159 | $87-$115 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
In Colorado, Cigna is competitive at $120/mo, but Mutual of Omaha at $148/mo is the better long-term value. Cigna's complaint ratio runs higher than most competitors, and their rate increases have been steeper in recent years. Mutual of Omaha brings an A+ AM Best rating, U.S.-based customer service, and a 7% household discount if your spouse or partner also enrolls. Humana is worth a look if you are an active retiree in Denver or Boulder, since their SilverSneakers benefit gives you free access to thousands of gyms statewide. Colorado has no birthday rule, so your 6-month Open Enrollment Period at age 65 is your best chance to lock in coverage without medical underwriting.
Colorado Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule
Colorado does not have a birthday rule or anniversary rule. Unlike California (birthday rule) or Missouri (anniversary rule), Colorado only guarantees your right to enroll in any Medigap plan without medical underwriting during your 6-month Open Enrollment Period when you first turn 65 and enroll in Medicare Part B. After that window closes, insurers can deny coverage or charge higher premiums based on health conditions.
Attained-Age Rating Standard
Most Colorado Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your age when you enrolled, are available from select carriers and may save money long-term for enrollees who plan to keep the same carrier for many years. Ask your agent specifically about issue-age options when comparing quotes.
Household Discount Available
Many Colorado carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount include Mutual of Omaha, Cigna, Humana, and Wellabe. Always ask about the household discount when getting quotes, especially in Denver and Boulder where two-income retiree households are common.
Colorado Division of Insurance Regulates Medigap
The Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), oversees all Medigap policies sold in the state. Carriers must file rate changes and receive approval before implementing increases. You can verify carrier licenses and file complaints at doi.colorado.gov.
Free Counseling via Colorado SHIP
Colorado's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call (888) 696-7213 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance. The program is administered by DORA.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Colorado market average
Plan Availability
Number of plan types offered in Colorado
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare, NerdWallet
Frequently Asked Questions
Find the Best Medigap Rate in Your Colorado ZIP Code
Colorado has a competitive Medigap market with over 25 carriers and Plan G starting at just $113/mo in Denver. Enter your ZIP code to see exact rates from all available carriers in your area. Remember, your Open Enrollment Period is the best time to lock in coverage without medical underwriting.