Medicare Calculators
Five free 2026 calculators from Everything Senior Insurance. Nothing is stored and no sign-up is needed. Each one is also available to AI assistants through this site’s tool endpoint.
Use these before you call. The IRMAA estimator, Part B and Part D penalty calculators, enrollment-window finder and Plan G vs Plan N comparison use the official 2026 figures published by CMS in November 2025: a $202.90 standard Part B premium, a $283 Part B deductible, a $38.99 Part D national base premium and a $2,100 Part D out-of-pocket cap.
IRMAA estimator (2026)
Enter your 2024 modified adjusted gross income to see whether you will pay a Part B and Part D income surcharge in 2026, and how much.
| 2024 MAGI, single | Married filing jointly | Part B total / month | Part D surcharge |
|---|---|---|---|
| Up to $109,000 | Up to $218,000 | $202.90 | $0 |
| $109,001 to $137,000 | $218,001 to $274,000 | $284.06 | $14.50 |
| $137,001 to $171,000 | $274,001 to $342,000 | $405.80 | $37.50 |
| $171,001 to $205,000 | $342,001 to $410,000 | $527.54 | $60.40 |
| $205,001 to $500,000 | $410,001 to $750,000 | $649.28 | $83.30 |
| Above $500,000 | Above $750,000 | $689.86 | $91.00 |
Part B late-enrollment penalty
The penalty is 10% of the standard premium for each full 12 months you could have had Part B but did not, and it lasts as long as you have Part B.
Part D late-enrollment penalty
1% of the national base beneficiary premium ($38.99 in 2026) for every month without Part D or other creditable drug coverage, rounded to the nearest 10 cents, for as long as you have Part D.
When can I enroll? Initial Enrollment Period finder
Your seven-month Initial Enrollment Period, your Medicare start date and the other windows that apply, from your date of birth.
Medigap Plan G vs Plan N
Both plans leave you the $283 Part B deductible in 2026. Plan N trades a lower premium for up to $20 office-visit and $50 ER copays and no coverage of Part B excess charges. Enter the two premiums you were quoted.
Estimates only. IRMAA uses the income the IRS reported for 2024; penalties assume no creditable coverage during the months entered. Call 801-255-5340 and an agent will run your exact numbers at no cost.
Questions people ask about Medicare Calculators
How is the Medicare Part B late-enrollment penalty calculated?
10% of the standard Part B premium for every full 12-month period you could have had Part B but did not sign up, added to your premium for as long as you have Part B. In 2026 the standard premium is $202.90.
How is the Part D late-enrollment penalty calculated?
1% of the national base beneficiary premium ($38.99 in 2026) multiplied by the number of full months you went without Part D or other creditable drug coverage, rounded to the nearest 10 cents and added to your premium permanently.
What is IRMAA?
The Income-Related Monthly Adjustment Amount: an extra Part B and Part D premium for people whose modified adjusted gross income from two years earlier is above $109,000 (single) or $218,000 (married filing jointly) for 2026.
When is my Initial Enrollment Period?
The seven months around your 65th birthday: the three months before your birthday month, your birthday month, and the three months after.
Last updated: · Reviewed by Christian Brindle, CEO and Founder. Published by the Everything Senior Insurance Data Desk. Sources: 2026 Medicare Parts A & B Premiums and Deductibles · Part D late enrollment penalty, Medicare.gov.