Free tools
Medicare calculators that answer the question you actually asked
Penalties, surcharges, and enrollment dates are arithmetic, not opinion. These tools do the arithmetic with the verified 2026 figures, and a licensed agent will check the result with you at no cost.
Figures reviewed for 2026
Part B late enrollment penalty
Enter the months you went without Part B and see the permanent surcharge on your monthly premium.
Part D late enrollment penalty
Each uncovered month adds one percent of the national base premium, for as long as you hold a drug plan.
IRMAA estimator
Higher earners pay more for Part B. Enter your income and filing status to see which bracket applies for 2026.
Enrollment date look-up
Your seven-month window around your sixty-fifth birthday, and the date coverage can actually begin.
Medicare glossary
Thirty-eight terms explained in plain English, from assignment to waiting period.
These tools use the 2026 amounts published by the Centers for Medicare & Medicaid Services. They are estimates for planning, not a bill, and no information you type is stored or sent anywhere.
Official sources
Check it at the source
Every figure on this page comes from the agencies below. They are the primary record, and none of these links costs you anything.
No cost, no obligation
Get your free 2026 Medicare quote
One conversation with a licensed agent. We compare every carrier we represent and tell you plainly which option fits your doctors, your prescriptions, and your budget.