Updated: May 8, 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 plan costs range from $103 to $341 per month, depending on which plan you choose.
Plan G averages $282 per month and is the most popular option in the state. Plan N costs $242 and attracts enrollees who want broad coverage at a lower monthly rate. On the lower end, Plan K starts at $103, Plan M runs $160 and Plan L is $173 per month. Plan C is the priciest at $341.
| 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 are identical across insurers. That means price and customer service are the only real differences between providers.
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?
The right Medicare Supplement insurer in Colorado involves more than price. Financial strength, customer service reputation and pricing structure all affect what you actually experience after you enroll.
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.
You can enroll anytime, but it's best to enroll during the six-month Open Enrollment Period. This begins when you turn 65 and sign up for Medicare Part B.
Yes, you can switch from Medicare Advantage to Medigap in Colorado. Outside your Medigap Open Enrollment Period at age 65, insurers can review your health history and deny coverage or charge more based on medical underwriting. Your best window is that enrollment period; guaranteed issue rights mean insurers can't turn you down or raise your rate.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
