Medicare Supplement Insurance (Medigap) helps Colorado seniors and eligible disabled residents manage out-of-pocket healthcare costs not fully covered by Original Medicare, such as deductibles, copayments, and coinsurance. Colorado residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
Get a More Accurate Price
Important: Plan F and Plan C are only available to people who became eligible for Medicare before January 1, 2020.
Most Popular Medigap Plans in Colorado
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 108,388 |
| 2 | F | 87,890 |
| 3 | N | 23,272 |
Note: Plans E, H, I, and J were retired nationwide and are no longer available. Pre-standardized plans (sold before July 1992) may still exist but cannot be purchased today.
Did you know? Colorado has one of the highest enrollments in Plan G relative to its population size, reflecting a growing shift away from Plan F as new Medicare beneficiaries look for comprehensive but cost-conscious coverage.
How Medigap Pricing Works in Colorado
Insurers use different rating methods to set Medigap premiums, which affects how costs rise over time. In Colorado, plans may be offered under one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you buy the policy and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Colorado
Colorado law requires insurers to offer their full range of Medigap plans to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). However, insurers are permitted to charge higher premiums for this group, making it important for under-65 beneficiaries to compare costs carefully.
Choosing a Medigap Plan in Colorado
While Plan F continues to serve many long-time enrollees, Plan G has become the top choice for new beneficiaries, and Plan N is a growing budget-friendly option. All Medigap policies are accepted nationwide at providers that take Medicare, giving Colorado residents flexibility whether they receive care in Denver, Colorado Springs, or while traveling across the U.S.
To compare premiums and see plan options in your area, visit our Medigap rate comparison page.