Free Medicare Tools & Calculators
Use our free interactive tools to estimate your Medicare costs and track important enrollment deadlines. No signup required—get instant results.
Medicare Plan Quiz
Answer 6 quick questions and find out which type of Medicare plan — Advantage, Medigap, or Original Medicare — tends to fit a situation like yours.
Take the QuizMedicare Cost Calculator
Estimate your annual Medicare expenses including premiums, out-of-pocket costs, and prescription drug expenses based on your situation.
Use CalculatorIRMAA Calculator
Calculate your Income-Related Monthly Adjustment Amount (IRMAA) surcharges based on your income and filing status.
Calculate IRMAAEligibility Checker
Find out if you qualify for Medicare based on age, disability status, or medical conditions like ESRD or ALS.
Check EligibilityEnrollment Timeline Tool
See your personalized Medicare enrollment periods and deadlines based on your birthday. Never miss a critical enrollment window.
View TimelineMore Medicare Tools
2026 IRMAA Calculator
Estimate your 2026 Medicare Part B and Part D surcharges based on your 2024 income.
Open ToolDrug Cost Estimator
Tell us your medications and we'll run a free, personalized plan comparison for you.
Open ToolPlan Comparison Tool
Tell us your situation and we'll compare every plan available in your ZIP code.
Open ToolThis calculator is for anyone who wants to estimate what they'll spend on Medicare over a year. By entering a few details about your situation, you'll get a ballpark of your monthly premiums, expected out-of-pocket costs, and prescription drug expenses. It's a quick way to budget before you choose a plan.
Medicare Cost Calculator
Estimate your annual Medicare costs based on your situation
Higher earners pay Income-Related Monthly Adjustment Amount (IRMAA)
This tool is for higher earners—and anyone whose income is near the thresholds—who want to know whether income-based surcharges will apply to their Part B and Part D premiums. You'll learn whether the Income-Related Monthly Adjustment Amount (IRMAA) affects you and roughly how much it adds to your monthly costs.
To use the IRMAA calculator, enter your 2024 Modified Adjusted Gross Income (MAGI) and pick your tax filing status. The tool then shows your estimated 2026 Part B and Part D surcharges. Keep in mind that IRMAA is based on your income from two years prior, so your 2026 surcharges are determined by what you reported for 2024. If your income has dropped since then because of a life-changing event, you may be able to request a review from Social Security.
2026 IRMAA Calculator
Estimate your 2026 Medicare premium surcharges
Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles. Based on 2024 income.
* This calculator provides estimates based on the 2026 IRMAA brackets. Your actual surcharge is set by Social Security from your 2024 tax return. If your income has dropped due to a life-changing event, you may be able to request a reduction (Form SSA-44).
This checker is for people approaching 65, as well as anyone under 65 who may qualify through a disability, End-Stage Renal Disease (ESRD), or ALS. Answer a few short questions and you'll find out whether you qualify for Medicare and, just as importantly, when your coverage can begin. It takes the guesswork out of knowing if and when you're eligible.
Medicare Eligibility Checker
Find out if you qualify for Medicare
Are you a U.S. citizen or have you been a legal permanent resident for 5+ years?
Have you (or your spouse) worked and paid Medicare taxes for at least 10 years?
Do any of the following apply to you?
* This tool provides general guidance only and is not an official determination of Medicare eligibility. Actual eligibility is determined by Social Security and CMS based on your complete records.
This tool is for anyone turning 65 or otherwise new to Medicare who wants to stay on top of deadlines. Enter your birthday and you'll see your personal enrollment windows—including your Initial Enrollment Period—laid out clearly. Missing these windows can lead to late penalties, so this timeline helps make sure you sign up at the right time.
Medicare Enrollment Timeline
See your personalized Medicare enrollment deadlines
Initial Enrollment Period (IEP)
April 2026 - October 2026
Your 7-month window to enroll in Medicare without penalties. Best time to make your initial Medicare decisions.
- Sign up for Medicare Part A and Part B
- Choose Medicare Advantage OR Original Medicare + Medigap
- Enroll in Part D prescription drug coverage
- Review all plan options in your area
Medigap Open Enrollment Period
July 2026 - January 2027
6-month guaranteed issue period for Medigap. Insurers cannot deny you or charge more due to health conditions.
- Compare Medigap Plan G and Plan N options
- Get quotes from multiple insurance companies
- Lock in coverage regardless of health conditions
Annual Enrollment Period (AEP)
October 15 - December 7, 2026
Yearly window to change Medicare plans. Changes take effect January 1 of the following year.
- Review current plan benefits and costs
- Compare to alternative plans
- Switch Medicare Advantage plans if needed
- Change Part D prescription drug plans
Medicare Advantage Open Enrollment
January 1 - March 31, 2027
If you have Medicare Advantage, you can make one plan change during this period.
- Switch to a different Medicare Advantage plan
- Switch to Original Medicare (with Part D)
- Cannot switch from Original Medicare to MA during this period
Importance Legend
Frequently Asked Questions
How accurate is the IRMAA calculator?
The calculator uses the published 2026 IRMAA brackets and the income you enter to estimate your surcharges. Because it relies on the numbers you provide, the result is an estimate rather than a guarantee. Social Security sets your actual surcharge using the income reported on your IRS tax return. For your specific situation, confirm the details with a licensed Medicare advisor.
What's the difference between Medicare Advantage and a Supplement plan?
Medicare Advantage (Part C) bundles your coverage through a private plan that usually has provider networks and may include extra benefits. A Medicare Supplement, also called Medigap, works alongside Original Medicare to help cover out-of-pocket costs like coinsurance and deductibles. With a Supplement, you can generally see any doctor who accepts Medicare, without network restrictions. Which option fits you best depends on your priorities around cost, flexibility, and the providers you want to keep.
Can I use these tools if I'm not yet on Medicare?
Yes. These tools are built for people planning ahead, especially those approaching 65 and getting ready to enroll. You can explore your estimated costs, check your eligibility, and map out your enrollment windows before you are actually covered. That way you walk into your enrollment decisions already informed.
Do I need to create an account to use the tools?
No. Every tool on this page is free, instant, and requires no signup or login. You can run the calculators and checkers as many times as you like. We only ask for your information if you choose to request a personalized review.
Want Personalized Medicare Guidance?
Our free tools provide estimates, but every situation is unique. Get a free personalized review from a licensed Florida Medicare advisor. Not sure what you're looking for? Call us — it takes 2 minutes to explain.