Pick the decision
Start with the question you actually need to answer, not a generic quote form.
Independent tools. Dated sources.
Free Medicare calculator
Use this free Medicare calculator to turn a confusing cost question into a clear next step. Check premiums, penalties, IRMAA, savings programs, and ACA choices without a sales call or a lead form.
MedicareClear is independent. We do not sell plans, rank carriers, or claim an official connection to Medicare.gov or any government agency.
Five questions, answered with the same facts
The calculators share one audited data layer. A limit changes in one place, and every result, table, and guide changes with it.
Employer coverage affordability
Does your employer plan pass the affordability test?Check the employee-only premium against the current IRS percentage and the family glitch rule.Medicare Savings Program and Extra Help
Do you meet the QMB, SLMB, QI, or Extra Help limits?Compare income and countable assets with the federal tests, then see the next state step.Part B late enrollment penalty
What does a delay cost now and over time?See the monthly penalty, the annual cost, and the 10-year and 20-year totals.IRMAA cliff checker
Which income bracket applies, and how close is the next one?Check the two-year lookback, the Part B and Part D surcharges, and Roth conversion headroom.Medicare vs ACA
Should you take Medicare or keep Marketplace coverage?Follow the 20-employee rule, the premium-free Part A test, and the subsidy consequences.
All five calculator screens are live. The data layer and formulas are tested, and every result shows its source before you act.
Guides that explain the rule
A number is only useful if you know what moves it. These guides walk through the timing rules, the appeals, and the cliffs behind the calculators.
How the checks work
A useful answer shows its work. MedicareClear keeps the rule, the input, and the source together so you can check the result before you act.
Answer a few facts
Income, household size, coverage type, and dates are enough for most checks.
Leave with a source
Every result shows the rule, the official link, and the date the figure was checked.
What to do with the answer
- Check the dateA Medicare figure is only useful with the year and the source attached. Check both before you act.
- Open the official pageUse the linked agency page for the application, the appeal form, or the current table.
- Ask before a deadlineCall Social Security, your state Medicaid agency, or a SHIP counselor before an enrollment window closes.
Sources you can open
We use agency publications, not summaries from other calculators. Dates and links stay visible on the page so a figure can be checked again.
Standard premium, deductible, and IRMAA brackets.
Source: Official sourceChecked
Part A and Part B costs, coinsurance, and enrollment basics.
Source: Official sourceChecked
QMB, SLMB, QI, and state application routes.
Source: Official sourceChecked
The employer coverage affordability test for the current plan year.
Source: Official sourceChecked
Current data checked
If a source changes, the page is updated and the date changes with it.
Written and maintained by Abdul SamadPunjab, Pakistan
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