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Medicare calculator

Use this Medicare calculator hub to choose the decision you need to make. Each tool uses the same dated data layer, shows its official source, and keeps the result in plain language.

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Written and maintained by Abdul SamadPunjab, Pakistan

  1. Employer coverage affordability

    Test the employee-only premium against the IRS affordability percentage and the family glitch rule.

  2. Medicare Savings Program and Extra Help

    Check the federal QMB, SLMB, QI, and Extra Help income and resource limits for your household.

  3. Part B late enrollment penalty

    Estimate the monthly penalty, annual cost, and the 10-year and 20-year totals.

  4. IRMAA cliff checker

    Find the current bracket, the monthly surcharge, and the room before the next threshold.

  5. Medicare vs ACA

    Compare the 20-employee rule, premium-free Part A, Marketplace subsidies, and enrollment timing.

All five calculator screens are live. Each one uses the same dated data layer, shows its official source, and keeps the next step in plain language.

See the official sources used by every calculator

Take this page with you

Print the checklist for a parent or keep a copy for your records. If a figure looks wrong, send the page and the official source you used.

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