Fort Collins, Colorado: health insurance
Fort Collins is in Larimer County. Here is what Fort Collins residents should know about coverage.
Coverage in Fort Collins
Fort Collins has about 170,376 residents (U.S. Census Bureau 2023 estimate).
Plans for Fort Collins residents are determined by Larimer County, home to about 370,771 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Larimer County before you choose it.
- Turning 65 in Fort Collins? Your Initial Enrollment Period runs seven months around your birthday. Colorado State Health Insurance Assistance Program (SHIP) offers free counseling at 303-894-7552.
- Buying your own plan? Shop through Connect for Health Colorado.
- Medicaid questions? Health First Colorado (Department of Health Care Policy and Financing) handles applications.
Colorado note: Colorado's Medicaid program goes by its own brand name, Health First Colorado, rather than being called Medicaid directly on member-facing materials -- worth knowing since Colorado-specific paperwork and enrollment sites generally lead with that name instead.
Medicare plans leaving Larimer County for 2027
Medicare plans are set by county, so this applies to residents of this city. 23 plans are listed in Larimer County for 2026 but not for 2027, covering at least 4,262 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| UHC Dual Complete CO-S4 (HMO-POS D-SNP) H0624-006 | UnitedHealthcare | 1,051 |
| AARP Medicare Advantage from UHC CO-0013 (PPO) H2406-104 | UnitedHealthcare | 805 |
| Select Health Medicare Essential (HMO) H1994-027 | Intermountain Health Care | 696 |
| Aetna Medicare Signature (HMO-POS) H3931-153 | Aetna (CVS Health) | 648 |
| AARP Medicare Advantage from UHC CO-0017 (PPO) H2406-110 | UnitedHealthcare | 468 |
| Select Health Medicare + Kroger (HMO) H1994-030 | Intermountain Health Care | 111 |
See all 23 plans leaving Larimer County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Fort Collins
Colorado public institutions include University of Colorado Boulder, Colorado State University, University of Colorado Anschutz Medical Campus. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Colorado colleges.
Do Fort Collins and Larimer County have the same plans?
Plans are offered by service area, and Fort Collins falls under Larimer County. A plan that serves Larimer County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Fort Collins residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major Colorado cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.