Colorado Medicare Costs in 2026: Denver Pays More Than the Rest

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Colorado filed rates pulled September 14, 2026, CSG Actuarial · Denver County (ZIP 80011)

In Denver County, Part B plus the cheapest Plan G costs a 65-year-old $330.55 a month: $202.90 to Medicare and $127.65 to Bankers Fidelity (Atlantic Capital Life) (CSG Actuarial filings pulled September 14, 2026). The dearest of the 24 carriers, Guarantee Trust Life at $351.23, makes it $554.13. The same carrier files $116.04 in Larimer, Weld, Pueblo, Mesa, $11.61 less than Denver for the identical policy.

The floor is not close. LifeShield National is next at $159.70, $32.05 behind, a margin wider than all but 2 of the states in our 28-state file. That puts the Colorado decision on one company's filing habit, and its Colorado record so far is +4.9% in August 2025. Around it, 11 of the 20 filings in CSG's Colorado records this cycle are 15% or more.

Carriers pay the broker; your premium is the filed rate whether or not we are involved.

Denver at $127.65, Larimer, Weld, Pueblo at $116.04

Colorado carriers file 30 rating areas, more than all but 14 of the 28 states we hold, so the Front Range and the rest of the state are priced apart. Denver, El Paso, Arapahoe, Jefferson, Adams, Douglas, Boulder share the $127.65 floor. Larimer, Weld, Pueblo, Mesa sit at $116.04. That $11.61 is one insurer, one plan letter, a different ZIP: $139 a year. 8 of the other 27 states in our file have a lower statewide floor than Colorado's $116.04.

Cheapest counties first, green rows under the Denver floor. Each county at one ZIP inside its rating area; woman, 65, non-tobacco, no household discount. Floor carrier: Bankers Fidelity (Atlantic Capital Life).

The 24 Colorado Carriers in Denver County, Plan G at 65

ZIP 80011; the lower of two filed rate classes ranks and both show. 21 of 24 price on attained age, Old Surety Life and Everence Association on issue age, AARP / UnitedHealthcare community-rated. The $223.58 top-to-bottom spread is wider than all but 4 in our file; bundled Plan G variants are excluded as not like-for-like.

11 of 20 Colorado Filings at 15% or More

Humana Insurance Company filed +29.9% effective May 1, 2026, the steepest in the Colorado records. 7 filings are 20% or more. Old Surety Life and Washington National and Insurance Company of North America (Chubb), in the five cheapest lines today, each took a 15%-plus filing this year. The floor carrier's Colorado record, +4.9%, is the mildest in the top five.

Steepest first, from CSG Actuarial's Colorado records; each is a block-wide change. Every state's filings sit side by side on 2026 Medigap rate increases.

One Carrier at the Floor From 65 to 80

Bankers Fidelity (Atlantic Capital Life) is cheapest at every age in the table: $127.65 at 65, $159.34 at 75, $188.93 at 80, a 48% climb on birthdays alone before any filing. The margin to the runner-up is $32.05 at 65 and $61.10 at 80.

Denver County at each age, same profile. Filed rates, not a quote.

Plan N at $93.41, Plan F Behind Plan G, and the Discounts

The cheapest Plan N in Denver County is Bankers Fidelity (Atlantic Capital Life) at $93.41, $34.24 under its own Plan G, and $84.92 in Alamosa County. 21 carriers file it, up to $281.23. Plan N gives back up to $20 at some office visits and up to $50 at an ER that does not admit you, and Part B excess charges, which Colorado allows.

Colorado is a Plan G state: 126,849 policies on G, 74,347 on the closed Plan F and 22,923 on N at the December 2023 NAIC count, 1.7 G policies for every F. 5 of the 24 carriers file a household discount, 11% to 20%. HealthSpring Insurance (HCSC)'s 20% takes $186.86 to $149.49. Bankers Fidelity (Atlantic Capital Life) files none, and the best discounted line, HealthSpring Insurance (HCSC) at $149.49, still does not reach its $127.65.

Methodology

• Every premium is a carrier filing from the licensed CSG Actuarial API, pulled September 14, 2026, rendered at build time from the Colorado data file. Nothing is typed by hand.
• Profile: woman, non-tobacco, individual, no household discount, at the age shown; the lower of two filed rate classes ranks. A discounted line is the filed rate less the filed percentage.
• One ZIP per county was quoted, and counties whose carriers file identical rates for every plan and age were merged into rating areas, 30 in all. Key counties are quoted at one ZIP inside their area.
• Left out: direct-to-consumer classes, guaranteed-issue classes, bundled Plan G variants, and any row above four times the state median. Carrier identity is the NAIC code.
• Ranks against other states use the 28 files we hold, same profile. A floor margin is the second-cheapest filing minus the cheapest in the flagship county.
• Policy counts by letter come from the NAIC statewide exhibit dated December 2023. The Part B premium and deductibles are 2026 CMS figures from one source file; Plan G does not pay the Part B deductible.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Colorado and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage with no affiliation to Medicare, CMS or any carrier. We do not offer every plan available in your area; contact Medicare.gov or 1-800-MEDICARE for all options. The carrier pays the broker; the filed premium does not change.