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
Connect for Health Colorado plans and tax credits, pre-65 coverage, short-term medical and HSAs.
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.
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 Connect for Health Colorado. 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, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) 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
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.
In her words: "When it comes to insurance, I know that making the right choices for you and your family can be daunting. To help you make the right decision, I take a commonsense approach: I ask questions, listen to your answers, and only then recommend the type of policies that will fit your unique needs."
"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 2026 Part D standard benefit, including the $2,100 cap.
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.
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, the Medicare Advantage Open Enrollment Period, Special Enrollment Periods and the Medigap window.
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 Connect for Health Colorado, pre-65 coverage, short-term medical and HSA plans; 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.
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.
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, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) 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). Last updated .