Four calculators that show every step, so you can check them on paper. Nothing is sent anywhere and no quote is generated.
IRMAA is a surcharge on Parts B and D for higher incomes, and it is based on your income from two years ago. Your 2026 premium is set by your 2024 tax return. That is why the fix is tax planning two years out, not an appeal. Chapter 12.
High Deductible Plan G gives the same coverage for a much lower premium, but you pay the first $2,950 of Part B costs yourself each year. This finds the point where the two cost you the same. Chapter 8.
1% of the national base premium for every month you went without creditable drug coverage after you were eligible. It never expires. Chapter 10.
Original Medicare pays 80% of the approved amount and there is no annual maximum on your 20%. People hear "twenty percent" and picture a small number. Put a real bill in and look at it. Chapter 3.
These are arithmetic, not advice, and they use the 2026 figures on the 2026 numbers page. Real premiums vary by state, insurer and age. A free SHIP counsellor will run your actual situation at no cost and earns nothing either way: 1-877-839-2675.
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