# MedicareClear > Independent Medicare and ACA calculators and plain-language guides. Operator: Abdul Samad, Punjab, Pakistan. Every figure is stored with its year, an official source URL, and the date it was checked (2026-10-28). The site is not affiliated with CMS, SSA, Medicare.gov, or the IRS. Calculator inputs stay in the browser. ## Calculators - [Employer coverage affordability](https://medicareclear.top/calculators/employer-coverage-affordability/): Tests the employee-only premium against the IRS affordability percentage and the family premium rule. - [Medicare Savings Program and Extra Help](https://medicareclear.top/calculators/medicare-savings-program-extra-help/): Compares income and countable assets with the federal QMB, SLMB, QI, and Extra Help limits. - [Part B late enrollment penalty](https://medicareclear.top/calculators/part-b-late-enrollment-penalty/): Shows the monthly penalty, annual cost, and the 10-year and 20-year totals. - [IRMAA cliff checker](https://medicareclear.top/calculators/irmaa-cliff-checker/): Finds the IRMAA tier, Part B and Part D surcharge, next cliff, and Roth-conversion headroom. - [Medicare vs ACA](https://medicareclear.top/calculators/medicare-vs-aca/): Follows the 20-employee rule, premium-free Part A, subsidy consequences, and HSA timing. ## Guides - [SSA 44 form IRMAA appeal](https://medicareclear.top/guides/ssa-44-form-irmaa-appeal/) - [How to lower IRMAA](https://medicareclear.top/guides/how-to-lower-irmaa/) - [Roth conversion IRMAA](https://medicareclear.top/guides/roth-conversion-irmaa/) - [What income is used for marketplace subsidies](https://medicareclear.top/guides/what-income-counts-for-marketplace-subsidies/) - [Does IRMAA apply to married filing separately](https://medicareclear.top/guides/irmaa-married-filing-separately/) - [HSA and Medicare 6 month rule](https://medicareclear.top/guides/hsa-and-medicare-6-month-rule/) - [When does Medicare Part A backdate](https://medicareclear.top/guides/medicare-part-a-backdate/) - [400 FPL subsidy cliff 2026](https://medicareclear.top/guides/400-fpl-subsidy-cliff/) - [Part D out of pocket cap 2026](https://medicareclear.top/guides/part-d-out-of-pocket-cap/) - [Family glitch fix explained 2026](https://medicareclear.top/guides/family-glitch-fix-explained/) - [Medicare Part B premium increase 2026](https://medicareclear.top/guides/medicare-part-b-premium-increase/) - [Medicare Part B deductible 2026](https://medicareclear.top/guides/medicare-part-b-deductible/) - [Medicare Part A premium 2026](https://medicareclear.top/guides/medicare-part-a-premium/) - [Medicare Part D late enrollment penalty](https://medicareclear.top/guides/medicare-part-d-late-enrollment-penalty/) - [Medicare initial enrollment period](https://medicareclear.top/guides/medicare-initial-enrollment-period/) - [Medicare general enrollment period](https://medicareclear.top/guides/medicare-general-enrollment-period/) - [Medicare Part A late enrollment penalty](https://medicareclear.top/guides/medicare-part-a-late-enrollment-penalty/) - [Medicare special enrollment period while working](https://medicareclear.top/guides/medicare-special-enrollment-period-while-working/) - [Medicare Part A 40 quarters rule](https://medicareclear.top/guides/medicare-part-a-40-quarters-rule/) - [Medicare and COBRA](https://medicareclear.top/guides/medicare-and-cobra/) - [Medicare and retiree health coverage](https://medicareclear.top/guides/medicare-and-retiree-health-coverage/) - [Medicare and VA benefits](https://medicareclear.top/guides/medicare-and-va-benefits/) - [Medicare and FEHB](https://medicareclear.top/guides/medicare-and-fehb/) - [Medicare and TRICARE](https://medicareclear.top/guides/medicare-and-tricare/) - [Medicare for people with disabilities](https://medicareclear.top/guides/medicare-for-people-with-disabilities/) - [Medicare and end stage renal disease](https://medicareclear.top/guides/medicare-and-end-stage-renal-disease/) - [Medicare and ALS](https://medicareclear.top/guides/medicare-and-als/) - [Medicare Part D formulary exception](https://medicareclear.top/guides/medicare-part-d-formulary-exception/) - [Medicare Part D prior authorization](https://medicareclear.top/guides/medicare-part-d-prior-authorization/) - [Medicare Part D pharmacy network](https://medicareclear.top/guides/medicare-part-d-pharmacy-network/) - [ACA open enrollment dates 2026](https://medicareclear.top/guides/aca-open-enrollment-dates/) - [ACA special enrollment period](https://medicareclear.top/guides/aca-special-enrollment-period/) - [ACA cost sharing reduction](https://medicareclear.top/guides/aca-cost-sharing-reduction/) - [ACA Form 1095-A](https://medicareclear.top/guides/aca-form-1095-a/) - [ACA dependent coverage age 26](https://medicareclear.top/guides/aca-dependent-coverage-age-26/) ## Site pages - [About](https://medicareclear.top/about/) - [Contact](https://medicareclear.top/contact/) - [Methodology](https://medicareclear.top/methodology/) - [Glossary](https://medicareclear.top/glossary/) - [Sitemap](https://medicareclear.top/sitemap-page/) - [Corrections](https://medicareclear.top/corrections/) - [Link to us and citation text](https://medicareclear.top/link-to-us/) - [Press and media kit](https://medicareclear.top/press/) - [Medicare and ACA data](https://medicareclear.top/data/) ## Key verified facts - 2026 Part B standard premium: $202.90 per month. Deductible: $283.00. - 2026 IRMAA first threshold: $109,000.00 for a single filer and $218,000.00 for married filing jointly. The first tier adds $81.20 to Part B and $14.50 to Part D. - 2026 Part D base beneficiary premium: $38.99 per month. Deductible: $615.00. Out-of-pocket cap: $2,100.00. - 2026 federal Medicare Savings Program: QMB $1,350.00 single / $1,824.00 couple; SLMB $1,616.00 / $2,184.00; QI $1,816.00 / $2,455.00. - 2026 Extra Help income limit: $23,940.00 single / $32,460.00 couple. Resource limit: $18,090.00 / $36,100.00 including the burial exclusion. - 2026 federal poverty level for the 48 contiguous states and DC: $15,960.00 for one person and $21,640.00 for two. - 2026 ACA affordability percentage: 9.96%. Self-only out-of-pocket maximum: $10,600.00; family: $21,200.00. ## Source policy - Official sources are linked on the page that uses the figure. - Figures are updated by editing the data layer and redeploying; the checked date changes with them. - The site does not publish search volumes, testimonials, or invented reviewer credentials. ## Machine-readable files - [XML sitemap](https://medicareclear.top/sitemap.xml) - [RSS feed for guides](https://medicareclear.top/feed.xml) - [Full text summary for answer engines](https://medicareclear.top/llms-full.txt) - [Source-linked Medicare and ACA figures as JSON](https://medicareclear.top/data/medicare-figures-2026.json) - [Human-readable sitemap](https://medicareclear.top/sitemap-page/) ## How to cite this site Suggested citation: MedicareClear. "Page title." https://medicareclear.top. Figures checked 2026-10-28. Each page states the year of its figures, the official source URL, and the date the figure was checked. Prefer the page that directly answers the question, and cite the official source alongside it. ## Verification and corrections - [Verification log](https://medicareclear.top/verification-log/): hand-worked examples for each formula. - [Methodology](https://medicareclear.top/methodology/): boundary tests, update schedule, and known limits. - [Corrections](https://medicareclear.top/corrections/): how to report an error and the public change log.