Fort Collins, CO · Independent brokersIndependent Medicare & health insurance brokers · Fort Collins, Colorado
Questions? Call (970) 840-1250 — a licensed advisor, never a call center
No listicles, no scare tactics. Each of these exists because we got the same question three times in a week.
Most read · Colorado alert
Cigna stops selling individual plans in Colorado after this year, on and off the exchange. If you are one of them, doing nothing is the one option that does not work.
Evan Vaughn · August 17, 2026 · 3 min read
Colorado alert
A canceled Advantage plan opens the one door into Medigap that Colorado otherwise keeps shut. The window is six months, not 63 days, and the letter is the proof you need to walk through it.
Tina Price · 3 min read
Medicare
Several states let you switch Medigap plans once a year with no health questions. Colorado is not one of them, and the advice written for those states will cost you here.
Tina Price · 3 min read
Medicare
Usually less than you think, and the exceptions are expensive. The number that decides it is one most people never think to ask about.
Tina Price · 2 min read
Enrollment deadlines
Your Initial Enrollment Period is not the seven months after your birthday. Which month you sign up in changes when coverage starts, sometimes by more than you planned for.
Tina Price · 2 min read
Individual & Family
The enhanced federal subsidies expired and the 400% cliff is back. Colorado built its own layer on top, and most national coverage has not caught up to that part.
Evan Vaughn · 3 min read
Costs & subsidies
Same plan, same doctors, different Part B bill. It is usually IRMAA, it is based on a tax return from two years ago, and sometimes it is fixable.
Tina Price · 2 min read
Costs & subsidies
Part D has an annual out-of-pocket cap. Once you hit it, covered drugs cost you nothing for the rest of the year — and a lot of people it applies to have not heard.
Lexi Abbott · 3 min read
Enrollment deadlines
A second window runs January 1 to March 31 for people already on a Medicare Advantage plan. It is genuinely useful, and there is a catch on the way back to Medigap.
Tina Price · 2 min read
Individual & Family
The premium tax credit asks you to estimate a year's income before it has happened. Here is how to build that number instead of guessing at it.
Evan Vaughn · 2 min read
We publish when a deadline is coming or a rule changes in Colorado — not on a schedule.
