Run the numbers yourself.
Four calculators, every figure and rule cited to its official source. Nothing you enter is stored or sent anywhere.
When can I enroll?
Enter your birth month and we'll lay out your Initial Enrollment Period, when coverage starts, and your Medigap open-enrollment window — using the enrollment rules in CMS's official Medicare handbook.
Educational only — Social Security handles actual enrollment (SSA.gov/medicare/sign-up). Nothing you enter is stored or sent anywhere.
Source: every rule above is from "Medicare & You 2026" (CMS Product No. 10050), Section 1, "Signing up for Medicare" — enrollment periods and coverage-start rules; Section 5 for the Medigap Open Enrollment Period.
What will Medicare actually cost you in 2026?
Most people pay the standard Part B premium — but a higher income adds a surcharge called IRMAA. Enter two details for an instant, plain-language estimate.
Estimate only, for educational purposes — not an application or quote. Nothing you enter is stored or sent anywhere.
Source: the 2026 standard Part B premium and the Part B and Part D income-related adjustment amounts are published by the Centers for Medicare & Medicaid Services — "2026 Medicare Parts A & B Premiums and Deductibles," CMS.gov fact sheet, November 14, 2025.
Part B late-enrollment penalty
If you didn't sign up for Part B when you were first eligible, your monthly premium may go up 10% for each full 12-month period you could have had Part B but didn't sign up — for as long as you have Part B.
Estimate only — Social Security makes the official penalty determination. Nothing you enter is stored or sent anywhere.
Sources: the penalty rule and exceptions are from "Medicare & You 2026" (CMS Product No. 10050), Section 1, "What’s the Part B late enrollment penalty?"; the 2026 standard Part B premium ($202.90) is from "2026 Medicare Parts A & B Premiums and Deductibles," CMS.gov fact sheet, November 14, 2025.
Part D late-enrollment penalty
Going 63 days or more in a row without Medicare drug coverage or other creditable prescription drug coverage can add a permanent penalty to your drug-plan premium. Estimate it from your coverage gap.
Estimate only — your drug plan makes the official penalty determination after you enroll. Nothing you enter is stored or sent anywhere.
Sources: the formula and the 63-day rule are from "Medicare & You 2026" (CMS Product No. 10050), Section 6, "How much more will I pay for a late enrollment penalty?"; the 2026 national base beneficiary premium ($38.99) is from "2026 Medicare Part D Bid Information and Part D Premium Stabilization Demonstration Parameters," CMS.gov fact sheet, July 28, 2025.