Free Medicare Tools & Calculators
Use our free interactive tools to estimate your Medicare costs and track important enrollment deadlines. No signup required—get instant results.
Medicare Cost Calculator
Estimate your annual Medicare expenses including premiums, out-of-pocket costs, and prescription drug expenses based on your situation.
Use CalculatorIRMAA Calculator
Calculate your Income-Related Monthly Adjustment Amount (IRMAA) surcharges based on your income and filing status.
Calculate IRMAAEligibility Checker
Find out if you qualify for Medicare based on age, disability status, or medical conditions like ESRD or ALS.
Check EligibilityEnrollment Timeline Tool
See your personalized Medicare enrollment periods and deadlines based on your birthday. Never miss a critical enrollment window.
View TimelineMedicare Cost Calculator
Estimate your annual Medicare costs based on your situation
Higher earners pay Income-Related Monthly Adjustment Amount (IRMAA)
Medicare IRMAA Calculator
Estimate your 2025 Medicare premium surcharges
* This calculator provides estimates based on 2025 IRMAA brackets. Actual premiums may vary. IRMAA is determined by Social Security based on your tax return from 2 years prior. If your income has decreased significantly, you may be able to request a reduction.
Medicare Eligibility Checker
Find out if you qualify for Medicare
Are you a U.S. citizen or have you been a legal permanent resident for 5+ years?
Have you (or your spouse) worked and paid Medicare taxes for at least 10 years?
Do any of the following apply to you?
* This tool provides general guidance only and is not an official determination of Medicare eligibility. Actual eligibility is determined by Social Security and CMS based on your complete records.
Medicare Enrollment Timeline
See your personalized Medicare enrollment deadlines
Initial Enrollment Period (IEP)
February 2026 - August 2026
Your 7-month window to enroll in Medicare without penalties. Best time to make your initial Medicare decisions.
- Sign up for Medicare Part A and Part B
- Choose Medicare Advantage OR Original Medicare + Medigap
- Enroll in Part D prescription drug coverage
- Review all plan options in your area
Medigap Open Enrollment Period
May 2026 - November 2026
6-month guaranteed issue period for Medigap. Insurers cannot deny you or charge more due to health conditions.
- Compare Medigap Plan G and Plan N options
- Get quotes from multiple insurance companies
- Lock in coverage regardless of health conditions
Annual Enrollment Period (AEP)
October 15 - December 7, 2026
Yearly window to change Medicare plans. Changes take effect January 1 of the following year.
- Review current plan benefits and costs
- Compare to alternative plans
- Switch Medicare Advantage plans if needed
- Change Part D prescription drug plans
Medicare Advantage Open Enrollment
January 1 - March 31, 2027
If you have Medicare Advantage, you can make one plan change during this period.
- Switch to a different Medicare Advantage plan
- Switch to Original Medicare (with Part D)
- Cannot switch from Original Medicare to MA during this period
Importance Legend
Want Personalized Medicare Guidance?
Our free tools provide estimates, but every situation is unique. Get a free personalized review from a licensed Florida Medicare advisor.