Medicare Advantage plans in Montrose, CO, 2027
Montrose, Colorado has 7 Medicare Advantage plans open to everyone for 2027 (11 in 2026) and 5 special needs plans, according to the CMS landscape files; 5 of the open plans have a $0 premium. 4 plans that served the county in 2026 end or leave it, with 759 members living here in September 2026.
What changes in Montrose for 2027?
| In the county | 2026 | 2027 | Change |
|---|---|---|---|
| Plans open to everyone | 11 | 7 | ▼down 4 |
| Special needs plans | 8 | 5 | ▼down 3 |
| Plans with a $0 premium | 7 | 5 | ▼down 2 |
| Plans that lower the Part B premium | 5 | 3 | ▼down 2 |
| Median out-of-pocket limit | $5,500 | $6,250 | ▲up $750 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026.
Which plans can anyone in Montrose join?
| Plan | Premium | Out-of-pocket limit | Part B reduction | 2026 stars |
|---|---|---|---|---|
| Aetna Medicare EagleH5521-378 · PPO | $0 | $5,500 | $85 | 4.5 of 5 |
| Humana USAA Honor GivebackH5216-436 · PPO | $0 | $6,200 | $135 | 3.5 of 5 |
| Humana Value ChoiceH5216-078 · PPO | $0 | $6,250 | none | 3.5 of 5 |
| Aetna Medicare SignatureH5521-207 · PPO | $0 | $7,150 | none | 4.5 of 5 |
| Humana Essentials Plus GivebackH5216-435 · PPO | $0 | $7,850 | $97 | 3.5 of 5 |
| Aetna Medicare Value CareH5521-443 · PPO | $18.40 | $7,150 | none | 4.5 of 5 |
| HumanaChoiceH5216-223 · PPO | $20 | $4,900 | none | 3.5 of 5 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026. Stars are the contract's 2026 rating. confirm on Medicare Plan Finder.
Which plans leave Montrose in 2027?
Members of these plans here choose a 2027 plan during open enrollment, October 15 to December 7, 2026; choosing by December 31 means no gap; because their plan is leaving the county, they can still join until the end of February 2027, with coverage from the first of the next month. Each plan's page says what happens to its members.
| 2026 plan | Members here, Sept. 2026 | For 2027 |
|---|---|---|
| Humana Full AccessH5216-333 | 658 | Not offered |
| Aetna Medicare SignatureH3931-154 | 72 | Not offered |
| Aetna Medicare Full Dual CareH3931-196 | 17 | Leaves the county |
| Aetna Medicare Dual Extra CareH3931-175 | 12 | Leaves the county |
Source: CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11); CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
Which special needs plans are sold here?
Open only to people with Medicaid as well as Medicare, with certain chronic conditions, or living in an institution.
| Plan | Who can join | Premium |
|---|---|---|
| HumanaChoice SNP-DEH7617-067 | Dual-Eligible | $0 |
| HumanaChoice SNP-DEH5216-267 | Dual-Eligible | $2.10 |
| Longevity Health PlanH0363-001 | Institutional | $18.40 |
| UHC Dual Complete CO-Q1H0624-001 | Dual-Eligible | $18.40 |
| UHC Dual Complete CO-S5H0624-007 | Dual-Eligible | $18.40 |
Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).
How many people in Montrose use Medicare Advantage?
5,405 of the county's 13,187 people with Medicare were in a Medicare Advantage plan in September 2026, 41.0%; in Colorado as a whole the share is 52.0%.
Source: CMS Medicare Advantage state and county penetration, September 2026.
What else should you check?
- Medicare Advantage in ColoradoEvery county of the state
- 8 stand-alone drug plans in ColoradoIf you keep Original Medicare
- Is your plan ending?Every plan not offered in 2027