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Free 2026 Medicare Tools

Fast, accurate calculators for Medicare beneficiaries and the agents who serve them. No signup, no email.

2026 IRMAA Calculator
Enter income + filing status → exact Part B & D surcharge, plus the full bracket table and how to appeal (SSA-44).
Enrollment Period Finder
"Can I change my Medicare plan right now?" Pick your situation → the exact window (AEP, OEP, or a Special Enrollment Period).
Medicare Sign-Up Window
Turning 65? Enter your birthdate → your exact 7-month enrollment window and whether it's open now.
Late Enrollment Penalty
Missed your Part B or Part D sign-up? Estimate the penalty you will owe — every month, for life.
Commission Chargeback Calculator
For agents: enter the advance + when a policy lapsed → exactly how much commission you owe back.
Agent toolkits →
Done-for-you Excel + Google Sheets tools: CRM, retention radar, compliance vault, commission tracker & more.

👔 Are you a Medicare agent?

These free tools handle one client at a time. Our Excel + Google Sheets toolkits run your whole book — client CRM, 60-day renewal radar, IRMAA appeals, commission & chargeback tracking, compliance logs. Built for agents, instant download.

Browse the agent toolkits on Etsy →

¿Habla español? Medicare explicado en español

Guías gratuitas y claras sobre Medicare para 2026: cuánto cuesta, las fechas de inscripción, Advantage o Suplemento, ayuda con los costos y cómo evitar las estafas. Información educativa.

Ver las guías en español →

Why these exist

Medicare has a few moving parts that quietly cost people money: the IRMAA income surcharge, the narrow windows when you're allowed to sign up or change plans, the permanent late-enrollment penalties, and (for agents) commission chargebacks when a policy lapses early. Each tool above answers one of those in seconds, with 2026 figures.

Free 2026 Medicare guides

Plain-English answers to the questions people search most — all with current 2026 figures.

How much does Medicare cost in 2026?
Part A, B & D premiums and deductibles, IRMAA, and penalties — the full price breakdown.
Enrollment periods explained
IEP, AEP, OEP, GEP, and SEP — every window with 2026 dates.
When is open enrollment 2026?
AEP runs Oct 15 – Dec 7, 2026 — what you can change, plus a review checklist.
The donut hole in 2026
It's gone — replaced by a $2,100 out-of-pocket drug cap. Here's how it works.
Parts A, B, C & D explained
What each part covers and costs in 2026, in plain English.
Still working at 65?
Whether you need Medicare now — and how to avoid a permanent penalty.
Advantage vs Original Medicare
Costs, networks, and trade-offs for 2026 — and how to switch.
Tools every agent needs
The free calculators and own-once toolkits agents use to run their book.