Medicare Calculator & Planning Tools
Plain-English explanations, real 2026 calculators, and ZIP-code-accurate answers — all in one place. Explore any tool below, then talk to a licensed agent when you’re ready.
2026 Medicare Cost Estimator
Get a verified 2026 projection based on your specific situation. This tool uses current CMS figures for full transparency.
Your Situation
Note: Final costs vary by ZIP code and plan availability.
Estimated Projections
Your estimated costs are within the typical range. Compare Medigap Plan G vs Plan N to optimize savings.
Enrollment Window
Find your Initial Enrollment Period (7-month window).
ZIP Code Accuracy
Plans and pricing depend on your county and ZIP.
Enrollment Period Check
See if a life event may allow enrollment now.
Tax & Income Impact
Calculate Part B and D surcharges based on tax return income.
Late Penalty
The permanent lifetime cost calculation for delayed enrollment.
Drug Cap Savings
Identify the month your drug costs hit $0 under current regulations.
Working Past 65
Employer health plan vs. Medicare side-by-side.
Hospital Stays
Predict out-of-pocket costs for surgery or long-term illness.
Travel Freedom
Analyze nationwide portability vs. network restrictions.
Any Doctor?
Supplement freedom vs. Advantage network restriction analysis.
State Help
Verify eligibility for state income-based financial assistance.
Medicare Savings
Check if you qualify for Medicare Savings Programs (QMB, SLMB, QI).
Final Strategy
A cost behavior analysis designed for your specific lifestyle.