Best Medicare Supplement Plans in Colorado: 2026
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Colorado filed-rate data pulled September 14, 2026, CSG Actuarial · Denver County (ZIP 80011)
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Denver County's cheapest filed Plan G at 65 is $127.65, from Bankers Fidelity (Atlantic Capital Life) (CSG Actuarial filings, pulled September 14, 2026). That number is not a big-city markup — it is the exact rate Bankers Fidelity (Atlantic Capital Life) files in Yuma County, the single most expensive county anywhere in the state. The real Colorado floor, $116.04, sits in Alamosa County instead, from the same company. Every dollar of that $11.61 gap buys identical coverage; federal law standardizes it.
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$223.58 separates the top Denver County filing from the bottom one, $53,659 over 20 years before any carrier files again. Guarantee Trust Life charges 2.8 times what Bankers Fidelity (Atlantic Capital Life) does for the identical Plan G. Colorado runs 30 rating areas across 63 counties, yet the 11 counties on this page sort into only 2 price lines — geography moves the bill less than the carrier you pick does. Two pages carry the rest: the full monthly bill with Part B added, and every carrier's 2026 filing history.
Published October 20, 2026 · Filed-rate data pulled September 14, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount
Carriers pay the broker; the price you pay is the same either way.
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What Plan G and Plan N Cost in Denver County at 65
CSG Actuarial filed rates pulled September 14, 2026 for ZIP 80011, Denver County: female, non-tobacco, individual, no household discount applied. Each carrier's cheapest rate class is shown. Denver County sits in one of 30 Colorado rating areas, so a ZIP elsewhere in the state can return a different table.
| Plan | Cheapest filing | Carrier | Highest filing | Carrier | Monthly spread | Carriers |
|---|---|---|---|---|---|---|
| Plan G | $127.65 | Bankers Fidelity (Atlantic Capital Life) | $351.23 | Guarantee Trust Life | $223.58 | 24 |
| Plan N | $93.41 | Bankers Fidelity (Atlantic Capital Life) | $281.23 | Guarantee Trust Life | $187.82 | 21 |
Plan N's floor is $93.41, $34.24 under the cheapest Plan G, and both floors belong to Bankers Fidelity (Atlantic Capital Life). The trade is copays: up to $20 at some office visits and up to $50 at an ER visit that doesn't end in admission, plus Part B excess charges Plan N leaves with you. Neither letter covers the $283 Part B deductible.
Go deeper: Colorado cost with the Part B premium added
Three Things That Decide a Colorado Medigap Price
Rate Type: 21 of 24 Price on Attained Age
Colorado's mix on September 14, 2026: 21 attained age, 2 issue age, 1 community rated. Bankers Fidelity (Atlantic Capital Life)'s Denver County Plan G steps from $127.65 at 65 to $188.93 at 80 on birthdays alone. Old Surety Life and Everence Association lock in at purchase instead. AARP / UnitedHealthcare is the one community-rated line, flat for life.
Geography: 30 Areas, Only 2 Price Lines
63 counties split into 30 rating areas, but the 11 we track collapse to 2 Plan G lines, $11.61 apart. Denver County sits on the expensive one, tied statewide with Yuma County. The county you live in barely moves the number; the carrier you pick moves it by $223.58.
Carrier: 24 Filings, One Clear Floor
Bankers Fidelity (Atlantic Capital Life) holds the Denver County floor, $32.05 ahead of LifeShield National. 21 of the 24 carriers carry a Colorado filing effective sometime in 2026, the newest from Washington National on August 1, 2026. A carrier's filing record is the second number worth reading beside its rate.
Which Colorado Counties Sit on Which Price Line
11 Colorado counties were quoted as key markets on September 14, 2026. Their cheapest Plan G at 65 lands on 2 price lines, and Bankers Fidelity (Atlantic Capital Life) holds the floor on every one of them. The gap between the cheapest and priciest line is $11.61 a month; only the county changes, not the carrier.
| Cheapest Plan G at 65 | Carrier | Counties on this line |
|---|---|---|
| $116.04 | Bankers Fidelity (Atlantic Capital Life) | Larimer County, Weld County, Pueblo County, Mesa County (4) |
| $127.65 | Bankers Fidelity (Atlantic Capital Life) | Denver County, El Paso County, Arapahoe County, Jefferson County, Adams County, Douglas County, Boulder County (7) |
The Colorado cost page runs every one of these counties through the same table with the Part B premium folded in.
Colorado Medigap Rate Filings in the 2026 Reports
The CSG Actuarial filing records from December 2025 through August 2026 carry 20 Colorado rows with a Plan G line, and every single one, 20 of 20, raised the price — none a cut. 11 of them, 55%, ran 15% or more. The steepest is Humana Insurance Company at +29.9%, effective May 1, 2026. Bankers Fidelity (Atlantic Capital Life), the cheapest carrier on the board, has no 2026 Colorado filing in these records at all. A filing is the carrier's change on its whole Colorado block, not one person's renewal notice, and its effective date can sit before or after the month of the report that lists it.
| Carrier (as filed) | Effective | Plan G | Plan N | Denver County Plan G at 65 |
|---|---|---|---|---|
| GPM Health and Life | December 1, 2025 | +11.0% | — | $337.33 |
| Anthem Blue Cross Blue Shield | January 1, 2026 | +12.6% | — | $181.24 |
| Guarantee Trust Life | January 1, 2026 | +13.9% | — | $351.23 |
| WPS Health Solutions | January 1, 2026 | +15.0% | — | $182.83 |
| WoodmenLife | January 15, 2026 | +9.0% | — | $181.28 |
| Everence Association | April 1, 2026 | +14.3% | — | $237.71 |
| Aflac (Tier One Insurance) | May 1, 2026 | +23.0% | — | $218.58 |
| Humana Insurance Company | May 1, 2026 | +29.9% | — | $203.87 |
| USAA Life | May 1, 2026 | +3.0% | — | $221.34 |
| Omaha Supplemental (Mutual of Omaha) | May 15, 2026 | +25.0% | — | $231.69 |
| AARP / UnitedHealthcare | June 1, 2026 | +9.1% | — | $204.56 |
| HealthSpring Insurance (HCSC) | June 1, 2026 | +25.0% | — | $186.86 |
| State Farm | June 1, 2026 | +20.0% | — | $205.11 |
| United American | June 1, 2026 | +14.9% | — | $204.00 |
| LifeShield National | July 1, 2026 | +12.0% | — | $159.70 |
| Nassau Life Insurance Company | July 1, 2026 | +18.0% | — | $194.34 |
| Old Surety Life | July 1, 2026 | +20.0% | — | $169.56 |
| Aetna Health Insurance | August 1, 2026 | +25.0% | — | $314.87 |
| Insurance Company of North America (Chubb) | August 1, 2026 | +17.0% | — | $179.83 |
| Washington National | August 1, 2026 | +21.4% | — | $174.66 |
20 of the 20 rows match a carrier in the Denver County quote table. The rest are closed blocks, group business or names the filing did not match, so no quote sits beside them. Every state's 2026 filings are on the 2026 Medigap rate increases page.
The Lettered Plans, and What Each One Leaves With You
Every Colorado carrier sells off the same federal benefit chart. Plan G's only gap is the $283 Part B deductible. Plan N trades a lower premium for copays and gives up Part B excess-charge coverage. Plan F is closed to anyone first eligible for Medicare on or after January 1, 2020. At the December 2023 NAIC count, Colorado still carried 74,347 Plan F lives against 126,849 on Plan G and 22,923 on Plan N (statewide by plan letter, not by carrier or county).
| Plan | What it leaves with you | In one line |
|---|---|---|
| Plan A | Both deductibles, skilled nursing coinsurance, excess charges, foreign travel | The basic benefits every letter builds on |
| Plan B | Part B deductible, skilled nursing coinsurance, excess charges, foreign travel | Plan A plus the Part A deductible |
| Plan D | Part B deductible and Part B excess charges | Plan G minus the excess-charge coverage |
| Plan G126,849 Colorado lives | The Part B deductible only | Colorado's most-enrolled letter (NAIC data, December 2023) |
| High-Deductible G | A yearly deductible before the plan pays | Lower premium, more first-dollar risk |
| Plan K | Half of most cost-sharing, up to a yearly cap | The lowest premium tier by design |
| Plan L | A quarter of most cost-sharing, up to a yearly cap | Sits between K and N |
| Plan N | Part B deductible, office and ER copays, excess charges | The lower-premium trade most callers weigh against G |
Benefit chart per Medicare.gov. This page prices Plan G and Plan N only.
Colorado Medigap at a Glance (2026)
Every figure above traces to the September 14, 2026 pull, one buyer profile throughout. The cost page continues the story with Part B folded into the total.
Cost
What Medicare costs in Colorado in 2026
The $202.90 Part B premium stacked on the $127.65-to-$351.23 Plan G range, monthly and yearly, every key county, Plan N and the household discount worked in.
Rate Increases
2026 Medigap rate increases by state
Every one of Colorado's 20 Plan G filings this year raised the price, topped by Humana Insurance Company's +29.9%, beside every other state we track. What a rate letter actually means for your next move.
Colorado Numbers to Carry Into the Call
- • Part B premium: $202.90 a month at the standard 2026 rate, paid to Medicare before any supplement.
- • Part B deductible: $283 for the year. Plan G and Plan N both leave it with you.
- • Part A deductible: $1,736 per benefit period, paid in full by Plan G and Plan N.
- • Colorado Plan G at 65: $116.04 floor (Alamosa County) to $351.23 at the statewide top (Guarantee Trust Life); Denver County runs $127.65 to $351.23; statewide median $196.72.
- • Colorado Medigap enrollment: 233,787 covered lives in December 2023, 126,849 of them on Plan G (NAIC via AHIP, statewide by plan letter).
- • Open enrollment: six months from the month you turn 65 and carry Part B, no health questions, across all 24 carriers. Colorado extends the same six-month window to Medicare beneficiaries under 65 on disability (Colorado Insurance Regulation 4-3-1), though it does not cap what a carrier may charge them.
How These Colorado Numbers Were Built
- Source: CSG Actuarial rate filings, pulled September 14, 2026. Rate-change rows come from CSG Actuarial's filing records, December 2025 through August 2026.
- Profile: female, non-tobacco, individual policy, no household discount applied. A man, a tobacco user or a couple gets a different number.
- Counties: each of Colorado's 63 counties was quoted through the ZIP covering the largest share of its land. Denver County (ZIP 80011) carries the flagship table on this page; 11 more key counties are grouped above.
- Spread: the priciest carrier's cheapest rate class minus the cheapest carrier's, in one county at one age. The 20-year figure multiplies that spread by 240, assuming no further rate change.
- Carrier counts move. 24 carriers filed a Denver County Plan G at 65 on September 14, 2026; a carrier can enter, close a block or refile between pulls.
- Colorado runs 30 rating areas, so the Denver County table is a sample, not your quote. Your own ZIP decides which side of the $11.61 county gap you land on.
- Plan F: no new-business rows appear, since nobody first eligible for Medicare on or after January 1, 2020 can buy it. Plan G leaves the $283 Part B deductible with you, and so does Plan N.
Colorado Medigap Questions, Answered From the Filings
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 33 other states, Colorado among them. Every rate on this page comes from CSG Actuarial rate filings pulled September 14, 2026, quoted at ZIP 80011, Denver County, female, non-tobacco, individual, no household discount. It is a sample, not your quote. The carrier you enroll with pays the broker and your premium is the filed rate either way.
Related: Colorado cost · 2026 rate increases · Atlantic Capital Life review · Medicare Supplement hub · Medicare broker · Compare policies · How to enroll · Get a quote
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