Medicare Calculators

Free tools. Your numbers never leave this page.

When can I enroll?

Enter your birthday and get your exact Medicare enrollment window.

Your date of birth

See your 2026 Part B premium and any income surcharge.

Your yearly income (from your tax return two years ago)We file taxes jointly

Late enrollment penalties are permanent. See the price of delay.

Months you delayed (or would delay) enrolling

Side-by-side yearly costs, typical year and worst case.

Medigap premium ($/mo)

Drug plan premium ($/mo)

Advantage premium ($/mo)

Advantage out-of-pocket max ($/yr)

How much healthcare do you typically use?

Medigap + drug plan

Typical year: $2,743

Bad-health year: $2,743 (that predictability is the product)

Medicare Advantage

Typical year: $1,330

Bad-health year: up to $5,320

Estimates only. Real copays, networks and drug tiers move these numbers. We run the exact comparison for your county free.

Numbers raising questions? That is what we are for.