Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

HealthSpring True Choice, 2027

H7849Contract147Plan

PPO · 16 counties in Colorado

Run by HealthSpring Life & Health Insurance Company, Inc. (contract H7849), sold as HealthSpring, owned by Health Care Service Corporation

Renews for 2027

2026 star rating, contract H7849: 3 of 5

HealthSpring True Choice (H7849-147) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $9,500 ($6,800 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$6,800	$9,500	up $2,700
Drug deductible	$250	$700	up $450
Medical deductible, in network	$400	$570	up $170
Hospital stay, in network	$295 a day for days 1–6, then $0 a day for days 7–90	$345 a day for days 1–6, then $0 a day for days 7–90	up $250for a 5-day stay
Skilled nursing facility, in network	$0 a day for days 1–20, then $218 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network	$255 copay	$340 copay	up $85
Eyewear, yearly limit	$200 a year	not offered	dropped
Over-the-counter items, yearly	$100 a year	not offered	dropped
Drug tier 3, preferred brand	$47	20% of the cost	changed
Drug tier 4, non-preferred drug	50% of the cost	25% of the cost	down 25 points
Drug tier 5, specialty tier	30% of the cost	25% of the cost	down 5 points
10 lines do not change
Monthly premium	$0	$0	no change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Specialist visit	$40 copay	$40 copay	no change
Emergency room	$115 copay	$115 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Counties served	16	16	no change
Drug tier 1, preferred generic	$10	$10	no change
Drug tier 2, generic	$20	$20	no change

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; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$10	$10	$0
Tier 2	Generic	$20	$20	$4
Tier 3	Preferred Brand	$47	20% of the cost	20% of the cost
Tier 4	Non-Preferred Drug	50% of the cost	25% of the cost	25% of the cost
Tier 5	Specialty Tier	30% of the cost	25% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 57 plans open to everyone are sold for 2027, this one included. Against the others, 54 plans have a lower out-of-pocket limit, 2 a higher one. On the premium, 48 the same, 8 a higher one.

Out-of-pocket limits of the 57 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0004 plans

$4,000 to under $6,00023 plans

$6,000 to under $8,00026 plans

$8,000 to $10,000 (this plan)4 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 16 counties: $0 a month and $9,500.

Colorado

Adams Arapahoe Boulder Broomfield Clear Creek Delta Denver Douglas El Paso Fremont Jefferson Larimer Mesa Pueblo Teller Weld

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H7849-147
Legal name of the contract: HealthSpring Life & Health Insurance Company, Inc.
Sold as: HealthSpring
Parent company: Health Care Service Corporation
Plan type: PPO
2026 star rating of the contract: 3 of 5 overall; health plan 3 of 5, drug plan 3 of 5
Members, September 2026: 575
Plan website, as filed with CMS: HealthSpringMedicare.com

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Adams, COWhere most of its members live; premiums and limits side by side
Every HealthSpring plan for 2027Its contracts, counties and plans that end
The other 21 plans of contract H7849Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.