Updated July 2, 2026
The 6-month Medigap Open Enrollment window is the most important date on your Medicare calendar. In Colorado, where standard federal rules apply and Plan G typically runs around $152 per month, that window is the only time you are guaranteed coverage regardless of your health history.
How Is a Medigap Premium Calculated in Colorado
Open Enrollment begins the month your Part B starts. For six months, no insurer in Colorado can decline your application, charge you a higher premium because of a pre-existing condition, or make you wait for coverage. After the window closes, those federal protections expire. Colorado does not provide additional state-level guaranteed-issue rights beyond the federal baseline. That makes the initial window the practical place to lock in coverage. The open enrollment calculator shows your specific start and end dates. If Advantage coverage is also on your list, run the numbers through the Medigap vs Advantage calculator.
Plan pricing in Colorado
Because federal law standardizes the benefits attached to each plan letter, every Plan G in Colorado is identical in coverage. Two carriers can both sell you Plan G, and you will receive the same benefits from each. The question is price: and it can vary by hundreds of dollars annually between carriers on the same plan. Use the Medigap cost calculator to get estimates for your age, and check what each plan covers if you are deciding between plan letters.
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FAQs
How much does Medigap Plan G cost in Colorado?
Plan G premiums in Colorado run around $152 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
Do all Plan G policies in Colorado cover the same things?
Yes. Federal law standardizes the benefits inside every Plan G, so a policy sold in Colorado covers exactly the same services no matter which carrier issues it. Only the premium and the rating method differ from one Colorado carrier to the next.