Medicare
Advantage, Supplement and Part D, compared for your doctors and prescriptions.
Take the Stress Out of Medicare
Medicare and health insurance in Brighton, Colorado
Get personalized support with your insurance needs. Lisa Asmussen asks questions, listens to your answers, and only then recommends coverage that fits, from multiple insurance companies, at no cost for her help.
- Free, no-obligation Medicare review
- Medicare certified since 2018
- Office in Brighton, Adams County
2027 Medicare Advantage, Adams County
36 plans · 33 with a $0 Part C premium
CMS CY2027 Landscape, excludes special needs plans
- Independent, contracted with multiple insurance companies
- Questions first, recommendations second
- A free review every fall
- No cost for Lisa's help
Learn about the types of coverage we offer
Coverage that fits your lifestyle
Your needs and situation are unique. We are committed to spending the time to get to know you, so you get coverage and support that fits your lifestyle.
Health Insurance Under 65
Colorado marketplace plans and tax credits, pre-65 coverage and short-term medical.
Supplemental Coverage
Dental, vision, critical illness, hospital indemnity, cancer, short-term care and travel cover for the gaps.
Final Expense
Burial and final expense cover so your family is not left with the bill.
Retirement Planning
A no-cost retirement planning review and annuities for income you cannot outlive.
Medicare 2027, by the numbers
More plans than anyone can compare alone
Official CMS figures for 2027. More choice is good, as long as someone checks your doctors and prescriptions against each plan.
36Medicare Advantage plans in Adams County
25Medicare Advantage plans in Weld County
10insurance companies offering them in Adams County
8standalone Part D plans in Colorado
In-network out-of-pocket maximums in Adams County range from $3,300 to $9,850 for 2027. Source: CMS Medicare Advantage and Part D Landscape, Contract Year 2027; counts exclude special needs plans.
Annual Enrollment, October 15 to December 7, 2026
What changes for 2027 in Brighton and Adams County
Every fall, Medicare plans can change their premiums, drug lists, doctor networks and out-of-pocket limits for the next year. That is why Lisa reviews each client's coverage before the Annual Enrollment Period closes on December 7. Here is what the CMS 2027 plan files show for the area around the Brighton office.
- Plan choice. Adams County has 36 standard Medicare Advantage plans from 10 carriers for 2027, and Weld County has 25 from 8 carriers. 33 of the Adams County plans have a $0 Part C premium (you still pay your Part B premium).
- Out-of-pocket limits. The most you could pay for covered in-network care in a year ranges from $3,300 to $9,850 in Adams County and $4,300 to $9,850 in Weld County. Two plans with the same $0 premium can differ by thousands of dollars here, which matters most in a year with a hospital stay.
- Limits are rising on average. Among Adams County Medicare Advantage plans with drug coverage (special needs plans included), the average in-network out-of-pocket limit moves from $6,497 for 2026 to $7,199 for 2027.
- A carrier is leaving. Clear Spring Health will not offer Medicare Advantage plans in Adams County for 2027, and 15 Adams County plans end or are folded into other plans. If your plan is one of them, your Annual Notice of Change letter says so; you choose a new plan by December 7.
- Part D changes. The standard Part D deductible rises from $615 in 2026 to $700 in 2027, and the yearly cap on what you pay for covered drugs rises from $2,100 to $2,400 (CMS 2027 plan data). Colorado has 8 standalone Part D plans for 2027.
Lisa's free review checks your current plan against these changes: your prescriptions on each plan's drug list, your doctors and hospitals in network, and your likely total cost for the year, not just the premium. Bring your Annual Notice of Change letter if you have one. The annual review checklist shows what to gather.
Source: CMS Medicare Advantage and Part D Landscape files, contract years 2026 and 2027 (cms.gov). Standard plan counts exclude special needs plans.
Get a quote
We've helped hundreds of people with their insurance needs. Now we're here to help you.
Answer a few quick questions and Lisa will prepare the quote you request.
Find plans for your ZIP code
Real 2027 Medicare plans from public CMS data, and a 2026 tax credit estimate for the Colorado marketplace. Example: Brighton ZIP 80601.
What kind of coverage are you looking for?
Pick the one that fits best. You can come back and change it.
Plans and prices are set county by county. In Brighton, try 80601.
Which county do you live in?
Your ZIP code crosses a county line, and plans differ by county.
Your age on the date coverage starts.
How many people are on your tax return?
Count yourself, your spouse if you file jointly, and your dependents.
Estimated total before taxes. It decides your tax credit, so a close guess is fine.
Any tobacco use in the last 6 months?
Plans in your area
Checking plans for your area…
Talk to Lisa about these plans
A licensed agent, not a call center. She checks your doctors and prescriptions before you decide.
Plan names, carriers and premiums shown come from the CMS public files for the ZIP code you entered. Final pricing and eligibility are confirmed with the carrier at enrollment.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Why work with us?
We will help you meet your coverage needs while saving you money
- 1
Lisa asks questions
Your doctors, prescriptions, budget, work and family situation. The right questions come first, so the comparison is about you, not a brochure.
- 2
She listens, then compares
Headwaters is contracted with multiple insurance companies, so Lisa can lay plans side by side and look for every discount you could be eligible for.
- 3
You understand it before you choose
Plain English, no pressure, and the decision is always yours. You leave knowing what you have and how to use it.
- 4
Ongoing service
A free review every fall as plans change, help with claims and questions all year, and a Brighton office you can call.
Your trusted insurance professional
Lisa Asmussen
Medicare Broker and Licensed Insurance Agent
Before insurance, Lisa was a Colorado teacher and educator. She is now retired from teaching and a member of Colorado PERA, and she brings a teacher's patience to explaining Medicare and health coverage in plain English.
Lisa Asmussen is the Medicare broker behind Headwaters Health and Wealth in Brighton. She was first certified to sell Medicare plans in 2018 and is licensed and contracted with multiple insurance companies, so she can compare plans side by side instead of selling one company's products.
"Your needs and situation are unique. We are committed to spending the time to get to know you to make sure that you get coverage and support that fits your lifestyle."
Free Medicare education
Learn Medicare before you enroll, in Brighton or online
Lisa runs Medicare education sessions in person and online: how Medicare works, what changes each fall, and how to compare plans for your prescriptions and doctors. No obligation.
- Thursday, October 15, 2026 to Monday, December 7, 2026Medicare Annual Enrollment Period for 2027 plans
- Sunday, November 1, 2026 to Friday, January 15, 2027ACA Open Enrollment for 2027 coverage
Free calculators
Run the numbers yourself, no email required
Medicare enrollment dates
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Part B penalty calculator
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
Part D penalty calculator
See what going without drug coverage adds to your Part D premium, for as long as you keep Part D.
Part D drug cost calculator
Estimate what your prescriptions cost you in a year on the 2027 Part D standard benefit (the $2,400 cap) or the 2026 benefit.
IRMAA calculator
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
Medigap vs Advantage costs
Compare what each path could cost you in a typical year and in a heavy-use year, with medical and drug costs counted separately.
Medicare resources
Guides that explain it in plain English
Turning 65 in Colorado: Your Medicare Checklist
A month-by-month Medicare checklist for turning 65 in Brighton and across Colorado: when to enroll, what to compare, which deadlines carry penalties, and which choice is hardest to undo.
Are You Eligible for Medicare? A Colorado Guide
Who qualifies for Medicare, when Part A is premium-free, how disability and kidney failure change the timing, and what Colorado residents should have ready before they enroll.
Medicare Enrollment Periods and Deadlines Explained
Every Medicare enrollment window in one place: the Initial Enrollment Period, Annual Enrollment October 15 to December 7, Medicare Advantage Open Enrollment, Special Enrollment Periods, the Medigap window and the edge cases.
Areas we serve
Rooted in Brighton, serving Colorado
The office is on South Fourth Avenue in Brighton. Clients come to Lisa from Adams and Weld counties, across the Front Range and the rest of the state.
Questions
Frequently asked questions
Does it cost anything to work with Headwaters Health and Wealth?
No. There is no fee for Lisa's help, and the Medicare review is free with no obligation. Agents are paid by the insurance companies, and your premium is the same whether you enroll with an agent or on your own.
Where is Headwaters Health and Wealth located?
The office is at 992 South Fourth Avenue, Brighton, CO 80601, in Adams County. Lisa meets clients in Brighton, by phone or by video, Monday to Friday, 8 AM to 5 PM.
What kinds of insurance does Headwaters Health and Wealth help with?
Medicare Advantage, Medicare Supplement and Part D; individual and family health insurance through the Colorado marketplace, pre-65 coverage and short-term medical; dental, vision, critical illness, hospital indemnity, cancer, short-term care and travel insurance; final expense insurance; and a no-cost retirement planning review with annuity options.
Lisa can quote a policy that fits your budget. Call (303) 887-8584.
Can you help me if I live outside Brighton?
Yes. Most clients live in Brighton and the northeast Denver metro, and Lisa helps people across Colorado by phone and video. Call and she will confirm she can help where you live.
When should I review my Medicare plan?
Every fall. Plans can change their premiums, drug lists and networks each year. The Annual Enrollment Period runs October 15 to December 7, and a review before then means no surprises in January.
Lisa checks how this applies to your own doctors and prescriptions at no cost. Call (303) 887-8584.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 106 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Take the stress out of Medicare.
Book a free, no-obligation review with Lisa in Brighton, by phone or by video. Bring your questions; leave with answers.
992 South Fourth Avenue, Brighton, CO 80601 · (303) 887-8584
Content reviewed by Lisa Asmussen, Medicare Broker and Licensed Insurance Agent at Headwaters Health and Wealth in Brighton, Colorado, certified to sell Medicare plans since 2018 (8 years). How we source and review our content. Last updated .