Run Your Own Numbers.
The same 2026 figures we use in consultations — $202.90 standard Part B premium, $283 Part B deductible, $1,736 Part A deductible, $2,100 Part D out-of-pocket cap, current IRMAA brackets (sources: CMS.gov, SSA.gov, Medicare.gov). No email wall. Nothing you enter is stored. Every tool is also callable by AI assistants via WebMCP.
IRMAA Calculator
Estimate your total 2026 monthly Medicare premium — standard Part B plus any Part B and Part D IRMAA surcharges — from your filing status and income.
Open calculator →Annual Medicare Cost Estimator
Total your year on Original Medicare + Medigap: Part B premiums, your Medigap and Part D premiums, the $283 deductible and drug costs capped at $2,100.
Open calculator →Plan G vs Plan N Comparison
Enter your real Medigap quotes and expected visits to see which plan pencils out lower across a full year — copays, deductible and all.
Open calculator →Enrollment Window Checker
Enter your date of birth and get your exact Initial Enrollment Period, your six-month Medigap open-enrollment window, and the annual AEP dates.
Open calculator →Part B Late-Enrollment Penalty Calculator
See what delaying Medicare Part B without creditable coverage adds to your premium — for life — based on the 2026 standard premium.
Open calculator →Part D Late-Enrollment Penalty Calculator
1% of the national base beneficiary premium for every month without creditable drug coverage, added for life. Calculate your lifetime add-on.
Open calculator →Part A Premium Checker
Do your quarters of Medicare-covered work qualify you for premium-free Part A — or could a spouse's record do it instead?
Open calculator →Long-Term Care Cost Estimator
Project what long-term care could cost when you actually need it — the expense Medicare mostly does not cover.
Open calculator →Formal Benefit Recommendation
Build a formal benefit recommendation with Virginia — plans and premiums side by side, an income-based IRMAA estimate, and a clean printable two-page summary you keep. Pick the pathway that fits:
Medicare Supplement pathway
Original Medicare + Medigap + a stand-alone drug plan — what each layer covers, what it costs monthly, and what the whole stack totals.
Open the recommendation →Medicare Advantage pathway
The Part C view — premium, the plan's in-network maximum out-of-pocket, drug coverage and companion benefits in one place.
Open the recommendation →Every calculator shows its method and its source. Where a figure changes annually and isn't in our verified set — the Part D national base beneficiary premium, Part A buy-in amounts, local long-term care costs — the tool asks you to enter the current number rather than quietly serving you a stale one.
Frequently asked questions
Are these calculators really free?
Yes — no email wall, no sign-up, nothing stored. Every calculation runs in your browser and is discarded the moment you close the tab.
How current are the figures?
They use the verified 2026 plan-year set: the $202.90 Part B premium, the $283 Part B deductible, the $1,736 Part A deductible and the $2,100 Part D out-of-pocket cap, each cited to CMS.gov on the tool that uses it.
Why do some tools ask me to type in a number?
Because a figure that changes annually and is not in our verified set — the Part D national base beneficiary premium, Part A buy-in amounts, local long-term care costs — is better asked for than quietly served stale. You look up the current number, and the answer stays right.
What is the Formal Benefit Recommendation?
It is the worksheet Virginia fills in with you — your plans and premiums side by side, an IRMAA estimate from your income, and a printable two-page summary you keep. Unlike the calculators it is meant to be completed together, in a consultation, rather than run on your own.
Can an AI assistant use these tools?
Yes. Each calculator is mirrored as a WebMCP tool at /.well-known/mcp.json and /mcp, so an assistant can call the same math and get the same answer the page shows.
Numbers raising questions?
That's what the free consultation is for — no cost, no obligation.