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Medicare plans in Otero County, CO — 2026
What agents look up before working a county: plan count, carriers, $0-premium share, star distribution, MOOP range, the 65+ and 60–64 population, and what changed since last year.
In 2026, Otero County, Colorado has 22 Medicare plans (5 Medicare Advantage with drug coverage, 2 without, 10 standalone Part D, 5 Special Needs) from 5 carriers. 1 Medicare Advantage plan has a $0 premium. The lowest in-network out-of-pocket maximum is $3,800.
Market snapshot
- Residents 65 and older
- 3,894
- Residents 60–64, aging in over the next five years
- 1,400
- Medicare eligibles
- 4,851
- Medicare Advantage penetration
- 60.6%
- Plans per 1,000 residents 65+
- 5.6
Carriers by number of plans
- Humana — 11 plans
- UnitedHealthcare — 6 plans
- HealthSpring — 2 plans
- Wellcare — 2 plans
- Aetna Medicare — 1 plan
Plans sorted by CMS star rating, then premium
| Plan | Carrier | Category | Plan type | Monthly premium | Drug deductible | Out-of-pocket maximum | Star rating |
|---|
| UHC Dual Complete CO-S001 (PPO D-SNP) (H2001-053-0) | UnitedHealthcare | SNP | PPO D-SNP | $24.50 | $615 | $9,250 | 4.5 |
|---|
| UHC Dual Complete CO-V001 (PPO D-SNP) (H2001-052-0) | UnitedHealthcare | SNP | PPO D-SNP | $35.20 | $615 | $5,900 | 4.5 |
|---|
| UHC Dual Complete CO-S002 (HMO-POS D-SNP) (H0624-001-0) | UnitedHealthcare | SNP | HMO-POS D-SNP | $20.60 | $615 | $9,250 | 4.0 |
|---|
| UHC Dual Complete CO-S4 (HMO-POS D-SNP) (H0624-006-0) | UnitedHealthcare | SNP | HMO-POS D-SNP | $35 | $615 | $9,250 | 4.0 |
|---|
| Humana Essentials Plus Giveback H5216-435 (PPO) (H5216-435-2) | Humana | MA-PD | PPO | $0 | $0 | $7,850 | 3.5 |
|---|
| HumanaChoice H5216-223 (PPO) (H5216-223-0) | Humana | MA-PD | PPO | $9 | $200 | $4,900 | 3.5 |
|---|
| HumanaChoice SNP-DE H5216-267 (PPO D-SNP) (H5216-267-0) | Humana | SNP | PPO D-SNP | $26.60 | $615 | $9,250 | 3.5 |
|---|
| Humana Value Plus H5216-195 (PPO) (H5216-195-0) | Humana | MA-PD | PPO | $32.70 | $615 | $7,050 | 3.5 |
|---|
| Humana Value Choice H5216-078 (PPO) (H5216-078-1) | Humana | MA-PD | PPO | $59 | $615 | $6,750 | 3.5 |
|---|
| Humana Full Access H5216-333 (PPO) (H5216-333-0) | Humana | MA-PD | PPO | $94 | $400 | $3,800 | 3.5 |
|---|
Showing 10 of 22 plans.
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About this data
Source: CMS Medicare Advantage/Part D Landscape files, plan year 2026; population: U.S. Census Bureau ACS 5-year 2024; MA penetration: CMS September 2026.
This page summarizes publicly available CMS data. It is not a plan finder and does not recommend plans. To compare and enroll in plans, use Medicare.gov or talk to a licensed agent. Medicare.gov plan finder.