Free Tools
Medicare Calculators
Seven interactive calculators to help you understand Medicare penalties, IRMAA surcharges, coverage costs, and retirement income — updated in real time as you type.
Part B Late Enrollment Penalty
Missed your Initial Enrollment Period for Part B? Here's what it's likely costing you.
Your Part B premium would be $202.90/month instead of $202.90
Estimate uses the 2026 standard Part B premium ($202.90/month); the 2027 amount was not yet announced as of October 21, 2026. A late-enrollment penalty generally continues while you have Part B; exceptions may apply based on your circumstances.
Part D Late Enrollment Penalty
Went without creditable prescription drug coverage? Estimate your penalty.
This penalty is permanent and added to your Part D premium every month.
Medicare Advantage vs. Medigap Cost Comparison
Compare estimates using your premiums, visit costs, hospital benefit periods, and covered Part D out-of-pocket spending.
| Cost item | Medicare Advantage | Medigap (Plan G) |
|---|---|---|
| Monthly plan premium (entered) | $0/mo | $150/mo |
| Standard Part B premium (2026) | $202.90/mo | $202.90/mo |
| Estimated annual medical + Part D cost sharing | $0 | $0 |
| Estimated annual total | $0 | $0 |
Illustrative estimates, not quotes: replace both premium defaults with actual plan quotes. The inpatient estimate uses the 2026 Part A deductible as a rough proxy; actual MA plan hospital cost sharing varies. MA medical cost sharing is capped at the 2026 in-network maximum; covered Part D spending uses the selected year's limit ($2,100 for 2026 or $2,400 for 2027). Plan limits may be lower. Plan G estimate includes the $283 2026 Part B deductible; actual benefits and premiums vary. The 2026 standard Part B premium ($202.90/month) is included in both totals; Part D premiums, non-covered drugs/services, and out-of-network costs are excluded. The Part A/B and MA assumptions remain 2026 figures; 2027 Part A/B figures had not been announced as of October 21, 2026. CMS 2026 costs · CMS Medicare Advantage data · CMS 2027 announcement. NPN 18530055.
IRMAA Surcharge Estimator
See how your 2024 income affects your 2026 Part B premium.
IRMAA is based on your 2024 tax return. You can appeal if your income has since decreased.
Retirement Income Gap Estimator
Compare your expected monthly income against your expenses.
Monthly surplus: $0
Part D Cost Estimator
Estimate covered-drug spending under the selected year's Part D out-of-pocket cap.
The cap limits eligible covered-drug out-of-pocket costs; it does not cap your total annual spending. Plan premiums and non-covered drugs do not count toward the cap. Enter your expected monthly share for covered drugs after the deductible, not retail drug prices. This simplified estimate adds your entered deductible, caps covered-drug cost sharing, and adds premiums separately. Actual costs depend on your plan formulary and pharmacy.
MA vs. Medigap Break-Even Calculator
Enter your own plan premiums and copay estimate to find the exact break-even point.
| Cost item | Medicare Advantage | Medigap Plan G + Original Medicare |
|---|---|---|
| Estimated annual total | $0 | $0 |
Break-even: $0 in annual MA copays
Both totals include the 2026 standard Part B premium ($202.90/month). The standard Plan G estimate also includes its policy premium and the annual Part B deductible ($283). Part D premiums, uncovered services, and other individual costs are not included. This is an estimate, not a quote. CMS 2026 cost source. NPN 18530055.
These calculators are for educational purposes only and are not financial or legal advice. Results are estimates based on the selected benefit year where available. Some comparison assumptions remain 2026 figures where 2027 data was not yet available as of October 21, 2026. Always consult a licensed professional before making enrollment decisions. Kayla Price, NPN 18530055 | Price Services Group LLC, Agency NPN 20387435 | Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Part D tools support 2026 and 2027 figures. The comparison calculators use 2026 Part A, Part B, and Medicare Advantage assumptions until CMS publishes the corresponding 2027 amounts. Figures are updated when CMS releases new rates.