Updated: January 27, 2026
Advertising & Editorial Disclosure
Plans B, K, L and M from Transamerica offer the most affordable Medigap rates among Colorado's popular policies, saving residents $0 to $54 monthly versus state averages.
For Plans A, C, D, F, G and N in Colorado, USAA, Wisconsin Physicians Service, State Farm, MedMutual Protect and Old Surety provide the lowest rates.
At age 65, Colorado residents pay $35 to $491 monthly for Medicare Supplement coverage based on which plan type they choose.
Monthly premiums for Medigap coverage are from $87 to $213 for seniors aged 65. Our analysis
across 10 standardized plan types and providers found affordable options.
Transamerica has the best rates for Plan K at $87 per month, Plan L at $130 per month and Plan M at $160 per month. USAA provides Plan A coverage, while Wisconsin Physicians Service offers Plan C and State Farm handles Plan D options. MedMutual Protect covers Plans F and N, and Old Surety offers Plan G.
| USAA | A | $105 | $108 | Attained Age Pricing |
| Transamerica | B | $213 | $54 | Issue Age Pricing |
| Wisconsin Physicians Service | C | $193 | $148 | Attained Age Pricing |
| State Farm | D | $174 | $38 | Attained Age Pricing |
| MedMutual Protect | F | $193 | $140 | Attained Age Pricing |
| Old Surety | G | $163 | $119 | Issue Age Pricing |
| Transamerica | K | $87 | $16 | Issue Age Pricing |
| Transamerica | L | $130 | $43 | Issue Age Pricing |
| Transamerica | M | $160 | $0 | Issue Age Pricing |
| MedMutual Protect | N | $115 | $127 | Attained Age Pricing |
*These rates reflect Medigap premiums for 65-year-olds.
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Everyone's coverage needs are different, so explore the table below to compare all available options and find the Colorado Medicare Supplement company that matches your specific situation.
| Old Surety | G | No | 65 | $163 | $0 | No Data |
| LifeShield National | G | No | 65 | $164 | $0 | No Data |
| Atlantic Capital | G | No | 65 | $166 | $0 | No Data |
| MedMutual Protect | G | No | 65 | $168 | $0 | No Data |
| State Farm | G | No | 65 | $175 | $0 | No Data |
| Wisconsin Physicians Service | G | No | 65 | $175 | $0 | No Data |
| Humana | G | No | 65 | $177 | $0 | No Data |
| Bankers Life | G | No | 65 | $179 | $0 | No Data |
| Wellcare | G | No | 65 | $179 | $0 | No Data |
| Anthem | G | No | 65 | $179 | $0 | No Data |
For 65-year-olds in Colorado, Medicare Supplement insurance costs range from $103 to $341 monthly based on which plan you choose.
Plan G costs $282 per month on average and ranks as the state's most popular option. It delivers solid coverage without breaking the bank. Seniors who want strong protection but prefer lower monthly payments often pick Plan N at $242. Budget-friendly choices include Plan K at $103 (the cheapest option), Plan M at $160, and Plan L at $173. Plan C runs $341 monthly and sits at the higher end of the price range.
| A | $213 | $2,556 |
| B | $267 | $3,204 |
| C | $341 | $4,092 |
| D | $212 | $2,544 |
| F | $333 | $3,996 |
| G | $282 | $3,384 |
| K | $103 | $1,236 |
| L | $173 | $2,076 |
| M | $160 | $1,920 |
| N | $242 | $2,904 |
Colorado follows federal Medicare Supplement rules, so Plan G benefits stay the same no matter which insurer you pick. Companies compete on price and customer service since the coverage itself can't change.
Plan C: Offers Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).
Learn More: What Does Medicare Cover and Not Cover?
Before buying medicare supplement insurance, Colorado shoppers should evaluate three specific elements. These factors predict whether you'll get responsive customer service or endless phone transfers when filing claims.
Look at customer feedback from J.D. Power and the NAIC. These resources let you learn about the company's reliability and service quality.
Identical plans cost different amounts across insurers.
Insurers may provide discounts on other services like gym memberships.
Colorado residents seeking Medicare Supplement guidance can connect with these statewide organizations:
Frequently asked questions about Medigap coverage in Colorado are answered below.
Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Select plans also handle Part B excess charges, skilled nursing facility coinsurance, and foreign travel emergencies. But Medigap excludes prescription drugs, dental, vision, and long-term care services.
Medicare Supplement plans work well if you want predictable costs and the ability to see any doctor who takes Medicare. They make sense for seniors who need regular medical care, manage chronic conditions, or don't have much saved up for surprise medical expenses. Healthy people with solid emergency funds may prefer sticking with Original Medicare and its lower monthly payments.
You can enroll anytime, but your best bet is the six-month Open Enrollment Period that starts when you turn 65 and sign up for Medicare Part B. Insurance companies must accept you during these six months no matter what health problems you have and they can't charge you more because of pre-existing conditions.
Yes, you can switch from Medicare Advantage to Medigap in Colorado, though insurers can evaluate your health and potentially deny coverage or charge higher premiums based on medical conditions. The ideal time to make this transition is during your Medigap Open Enrollment Period at age 65, when you have guaranteed coverage rights. Outside this window, protection from denial becomes limited to specific qualifying circumstances.
MoneyGeek collected data for all Medicare plans in Colorado for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.
We scored Medigap companies in Colorado based on three main categories to create a weighted score out of 5:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
