Colorado Medicare Enrollment Date Calculator
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Open the calculator 2026
Tools · 2026 and 2027 figures
Free Medicare and Insurance Calculators for Colorado
13 calculators that answer the questions Coloradans ask first, from Medicare penalties and drug costs to health plan tax credits and retirement income. Everything is worked out in your browser from published figures, and nothing you type is sent anywhere.
Not sure which calculator to open first?
Find your situation below. Each row points to the tool that answers the first question people in that position usually have.
| Your situation | Start with | Why |
|---|---|---|
| Turning 65 in the next year | Colorado Medicare Enrollment Date Calculator | Start with your dates. Your seven-month window and Medigap open enrollment set the deadlines everything else depends on. |
| Working past 65 or retiring soon | Medicare Part B Penalty Calculator for Colorado | See what a late Part B start would cost before you decide to delay, then check the Part D penalty calculator for drug coverage. |
| Choosing a plan this fall (October 15 to December 7, 2026) | Colorado Part D Drug Cost Calculator for 2026 and 2027 | Price your prescriptions on the 2027 benefit first, then weigh Medigap against Medicare Advantage with that drug figure. |
| Deciding between Medigap and Medicare Advantage | Colorado Medigap vs Medicare Advantage Cost Calculator | Compares a typical year with a heavy-use year, counting medical and drug costs separately the way Medicare does. |
| Higher income or a recent drop in income | 2026 Medicare IRMAA Calculator for Colorado | Shows whether a surcharge applies to Part B and Part D, and when form SSA-44 could lower it after retirement. |
| Retiring before 65 | Colorado Pre-65 Coverage Calculator: COBRA vs Marketplace | Compares COBRA with a Colorado marketplace plan for the months until Medicare, then use the subsidy calculator for the credit. |
| Buying your own health plan under 65 | The Colorado marketplace Subsidy Calculator 2026 | Estimates your 2026 premium tax credit; open enrollment for 2027 coverage starts November 1, 2026. |
| Lost coverage or had a life change mid-year | Colorado Special Enrollment Period Checker | Tells you whether you can enroll now and how many days you have left. |
| Planning for a serious illness or a funeral | Colorado Hospital and Critical Illness Gap Calculator | Adds up the bills a health plan leaves; the final expense calculator does the same for end-of-life costs. |
| Planning retirement income | Retirement Income Gap Calculator for Colorado | Shows the monthly gap between what you will spend and what Social Security and pensions pay. |
Year labels: Medicare penalty and IRMAA tools use the 2026 CMS figures, because the 2027 Part B and IRMAA amounts are announced around November 2026. The drug cost and Medigap tools use the 2027 Part D figures CMS has already set.
Medicare
Advantage, Supplement and Part D, compared for your doctors and prescriptions.
Medicare Part B Penalty Calculator for Colorado
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
Open the calculator 2026
Medicare Part D Penalty Calculator for Colorado
See what going without drug coverage adds to your Part D premium, for as long as you keep Part D.
Open the calculator 2026
Colorado Part D Drug Cost Calculator for 2026 and 2027
Estimate what your prescriptions cost you in a year on the 2027 Part D standard benefit (the $2,400 cap) or the 2026 benefit.
Open the calculator 2027
2026 Medicare IRMAA Calculator for Colorado
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
Open the calculator 2026
Colorado Medigap vs Medicare Advantage Cost Calculator
Compare what each path could cost you in a typical year and in a heavy-use year, with medical and drug costs counted separately.
Open the calculator 2026
Health Insurance Under 65
Colorado marketplace plans and tax credits, pre-65 coverage and short-term medical.
The Colorado marketplace Subsidy Calculator 2026
Estimate your premium tax credit and the most you would pay for a benchmark Silver plan each month.
Open the calculator 2026
Colorado Special Enrollment Period Checker
Find out in about a minute whether a recent life event lets you enroll outside Open Enrollment.
Open the calculator 2026
Colorado Pre-65 Coverage Calculator: COBRA vs Marketplace
Retiring or leaving a job before 65? Compare COBRA with a Colorado marketplace plan for the months you need covered.
Open the calculator 2026
HSA Tax Savings Calculator 2026 for Colorado
See how much tax a Health Savings Account contribution could save you in 2026, within the IRS limits.
Open the calculator 2026
Supplemental Coverage
Dental, vision, critical illness, hospital indemnity, cancer, short-term care and travel cover for the gaps.
Colorado Hospital and Critical Illness Gap Calculator
Add up what a hospital stay or serious diagnosis could cost beyond your health plan, and how much cash benefits would cover.
Open the calculator 2026
Final Expense
Burial and final expense cover so your family is not left with the bill.
Final Expense Cost Calculator for Colorado
Add up funeral, cemetery and leftover bills to see how much final expense cover would spare your family.
Open the calculator 2023
Retirement Planning
A no-cost retirement planning review and annuities for income you cannot outlive.
Retirement Income Gap Calculator for Colorado
Compare the monthly income you will need in retirement with what Social Security, pensions and other income will pay.
Open the calculator 2026
Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or the Colorado marketplace.
Want the real figures for your situation?
Calculators give you a feel for the numbers. Lisa can look up the real plans, prices and rules that apply to you, in person in Brighton or by phone, at no cost.
Common questions
Are these insurance calculators free?
Yes. Every calculator is free, needs no sign-up, and runs in your browser. Nothing you type is sent to us or anyone else.
Which year are the figures from?
Medicare penalty and IRMAA tools use the 2026 federal figures from CMS; the 2027 amounts are announced around November 2026. The Part D drug cost and Medigap tools use the 2027 Part D deductible and cap that CMS has already published. Health and HSA tools use 2026 IRS and HHS figures. Each page lists its sources and year.
Lisa checks how this applies to your own doctors and prescriptions at no cost. Call (303) 887-8584.
Are the results a quote?
No. They are estimates from published figures and the numbers you enter. Your actual premium and eligibility are confirmed when you apply.
Lisa walks you through the plans for your ZIP code at your review. Call (303) 887-8584.
Can I see real 2027 Medicare plans for my ZIP code?
Yes. Our plan finder shows 2027 Medicare Advantage and Part D plans from the CMS public files for your Colorado county, and a Colorado marketplace tax credit estimate for under-65 coverage. Lisa then checks your doctors and prescriptions with you.
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 .