The questions people in Brighton and across Adams County ask first, answered in the first sentence, with the published figure, its source and the date we last checked it.
What Medicare costs in 2026: premiums, deductibles and penalties, with the published figure behind each one.
The standard Medicare Part B premium is $202.90 a month in 2026, the same in Colorado as everywhere else in the country, and the annual Part B deductible is $283. Lisa checks how this applies to your own doctors and prescriptions at no cost. Call (303) 887-8584.
Checked October 14, 2026 · 5 sources: CMS, National Council on Aging, HCPF, Census Bureau
The Part D late enrollment penalty in 2026 is 1% of the $38.99 national base beneficiary premium for every full month you went without creditable drug coverage, about $4.70 a month for each year late, added to your premium for as long as you have Part D. Headwaters compares these policies for you. Call Lisa at (303) 887-8584.
Checked October 14, 2026 · 4 sources: CMS
The Medicare Part D out-of-pocket cap is $2,400 in 2027, up from $2,100 in 2026. Once your covered drug costs reach that amount in a calendar year, you pay $0 for covered Part D drugs for the rest of the year. Headwaters checks this for you before you decide. Call Lisa at (303) 887-8584.
Checked November 4, 2026 · 3 sources: CMS
When the windows open for 2027, how long you have, what you can change after January 1, and how Medigap works in Colorado.
Medicare open enrollment for 2027 coverage runs from October 15 to December 7, 2026, in Colorado and nationwide, and any change you make starts on January 1, 2027. Lisa checks how this applies to your own doctors and prescriptions at no cost. Call (303) 887-8584.
Checked October 14, 2026 · 4 sources: CMS, Census Bureau
Yes, once: if you are in a Medicare Advantage plan on January 1, 2027, you can make one change between January 1 and March 31, 2027, either to another Medicare Advantage plan or back to Original Medicare with a Part D plan. Lisa walks you through this at your review. Call (303) 887-8584.
Checked October 14, 2026 · 5 sources: CMS
In Colorado you can buy any Medigap plan without health questions during your 6-month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B; Colorado also requires insurers to sell Medigap to people under 65 on Medicare because of a disability, and as of May 2026 it has no birthday rule for switching later. Lisa runs the numbers for your household and enrolls you on the Colorado marketplace. Call (303) 887-8584.
Checked October 14, 2026 · 8 sources: Colorado DOI, National Association of Insurance Commissioners, CMS, Census Bureau
Straight numbers from the CMS 2027 plan files for Adams County, home to Brighton, Commerce City, Thornton and Henderson.
30 of the 36 Medicare Advantage plans in Adams County, Colorado have a $0 monthly plan premium for 2027, and 25 of those 30 include Part D drug coverage.
Checked October 14, 2026 · 4 sources: CMS
In-network out-of-pocket maximums (MOOP) on Adams County, Colorado Medicare Advantage plans range from $3,300 to $9,850 for 2027, with an average of $6,142 across the 36 plans in the CMS 2027 landscape, up from $5,518 in 2026. Lisa checks how this applies to your own doctors and prescriptions at no cost. Call (303) 887-8584.
Checked October 14, 2026 · 4 sources: CMS
What common brand-name drugs cost under Medicare Part D, from Colorado CMS data, and how the yearly cap protects you.
Medicare's negotiated price for a 30-day supply of Eliquis is $237.25 in 2027, which works out to about $1,237 for the year under the 2027 standard Part D design if Eliquis is your only drug, well under the $2,400 yearly cap, and Colorado Part D members paid an average of $58.45 per 30-day fill in 2024.
Checked October 26, 2026 · 11 sources: CMS, FDA, Bristol Myers Squibb
Jardiance has a Medicare negotiated price of $202.33 for a 30-day supply in 2027, which comes to about $1,132 for the year under the 2027 standard Part D design if it is your only drug, with all covered drug costs capped at $2,400, and Colorado Part D members paid an average of $37.11 per 30-day fill in 2024.
Checked October 26, 2026 · 10 sources: CMS, FDA, CDC
Xarelto has no Medicare negotiated price in 2027, because CMS removes it from the negotiation program on January 1, 2027 after FDA approved generic rivaroxaban, so your 2027 cost follows your plan's tier for brand or generic, with a deductible of no more than $700 and all covered drug costs capped at $2,400; Colorado Part D members paid an average of $54.53 per 30-day fill in 2024.
Checked October 26, 2026 · 10 sources: CMS, FDA, Janssen Pharmaceuticals
Farxiga carries a Medicare negotiated price of $183.33 for a 30-day supply in 2027, about $1,075 for the year under the 2027 standard Part D design if it is your only drug, within the $2,400 yearly cap, and FDA approved the first generic dapagliflozin tablets in April 2026; Colorado Part D members paid an average of $37.92 per 30-day fill in 2024.
Checked October 26, 2026 · 11 sources: CMS, FDA, AstraZeneca
Entresto has no Medicare negotiated price in 2027, because CMS takes it out of the negotiation program on January 1, 2027 after FDA approved generic sacubitril and valsartan, so your 2027 cost follows your plan's tier for brand or generic, with a deductible of no more than $700 and covered drug costs capped at $2,400; Colorado Part D members paid an average of $50.32 per 30-day fill in 2024.
Checked October 26, 2026 · 14 sources: CMS, FDA, CDC
From January 1, 2027 Ozempic has a Medicare negotiated price of $274 for a 30-day supply, which comes to about $1,347 for the year under the 2027 standard Part D design if it is your only drug, under the $2,400 yearly cap; in 2026 it had no negotiated price.
Checked October 26, 2026 · 11 sources: CMS, FDA, Novo Nordisk, CDC
With Medicare in 2027, each covered insulin product costs no more than $35 for a one-month supply, under Part D or Part B, with no deductible, and what you pay counts toward the $2,400 yearly Part D cap; for scale, Colorado Part D members using Lantus SoloStar paid an average of $14.38 per 30-day fill in 2024.
Checked October 26, 2026 · 10 sources: CMS, FDA, Novo Nordisk
Dates and income rules for 2027 coverage through the Colorado marketplace.
Open enrollment for 2027 coverage on the Colorado marketplace runs from November 1, 2026 to January 15, 2027, and you must enroll by December 15, 2026 for coverage that starts January 1, 2027. Headwaters handles the enrollment with you. Call Lisa at (303) 887-8584.
Checked October 14, 2026 · 4 sources: Colorado marketplace, Colorado DOI, Census Bureau
For 2026 coverage through the Colorado marketplace, federal premium tax credits are generally available to households with income between 100% and 400% of the federal poverty level: $15,650 to $62,600 for one person and $32,150 to $128,600 for a family of four. Lisa runs the numbers for your household and enrolls you on the Colorado marketplace. Call (303) 887-8584.
Checked October 14, 2026 · 6 sources: HHS, IRS, HCPF, Colorado marketplace
Every page on this list follows the same four rules, so you can trust the number in its first sentence:
Each answer is reviewed by Lisa Asmussen, the Medicare broker at Headwaters Health and Wealth in Brighton. If something looks out of date, call (303) 887-8584 and we will check it.
From CMS, the Colorado marketplace, the Colorado Division of Insurance, HHS and the CMS 2027 plan files for Adams County. Each page lists its sources and the date we last checked them.
Partly. The drug pages use 2024 Colorado Part D data from CMS alongside national Medicare negotiated prices. What you pay depends on your plan's deductible and tier, and covered Part D costs are capped at $2,100 in 2026 and $2,400 on 2027 plans.
Lisa walks you through the plans for your ZIP code at your review. Call (303) 887-8584.
Yes. Call (303) 887-8584 or send a message through the contact page. Lisa Asmussen offers no-cost Medicare reviews in Brighton, by phone or virtually.
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 .
