Free tools
Two Medicare tools that give straight answers, not a sales pitch
Both run entirely in your browser, ask for no personal or financial details, and never produce a quote. One tells you your enrollment deadlines; the other helps you find your starting direction. Every formula and assumption is shown.
Tool
Your Medicare enrollment timeline
Enter the month you turn 65 and this shows the exact dates of your enrollment windows. It is plain calendar math from Medicare's published rules — it does not quote a plan or a premium.
How this works: your Initial Enrollment Period is the 3 months before, the month of, and the 3 months after your 65th birthday month. Medigap open enrollment runs 6 months from the start of Part B, which is normally the first day of your birthday month if you enrol on time. Dates assume you are enrolling based on age (not a disability) and do not yet have creditable coverage from an employer.
Educational tool only. It shows calendar windows, not plan availability, premiums, or a quote. We do not offer every plan in your area — for all of your options contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP). Confirm your own dates at Medicare.gov.
Book a no-fee Medicare reviewTool
Which Medicare path fits you?
Answer five plain questions and this points you toward a starting direction — Original Medicare with a supplement, or a Medicare Advantage plan. It weighs only what you tell it, shows its reasoning, and never names a specific plan or price.
Your starting point leans toward
This is a starting direction, not a recommendation of any specific plan. The real answer depends on your exact doctors, prescriptions and county — which is what a no-fee review is for. We do not offer every plan available in your area; for all your options contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP).
Talk it through — no feeFor reference
The 2026 Medicare numbers, at a glance
Published figures, shown so the tools above have context. These are not quotes and they change every year.
| What it is | 2026 | Notes |
|---|---|---|
| Part B standard premium | $202.90 / month | Up from $185.00 in 2025 |
| Part B annual deductible | $283 | Up from $257 in 2025 |
| Part A hospital deductible | $1,736 | Per benefit period |
| Part D out-of-pocket cap | $2,100 | A hard annual ceiling on covered drugs |
Source: CMS — 2026 Medicare Parts A & B Premiums and Deductibles, 2026. Reviewed August 2026.
Where this leads
Read up on the coverage behind the tools
About these tools
Questions about the tools
Are these tools a quote?
No. Neither tool produces a premium, a plan recommendation, or a quote. The timeline tool does plain calendar math from Medicare's published enrollment rules; the path finder weighs the priorities you enter and points you toward a starting direction. A real recommendation depends on your specific doctors, prescriptions and county.
Where do the 2026 numbers come from?
The cost figures are the official amounts released by the Centers for Medicare & Medicaid Services (CMS) for 2026, linked in the source note. They are shown for reference and change every year.
Do the tools store my information?
No. Everything runs in your browser. Nothing you enter is sent anywhere, saved, or collected — the tools ask only for a birth month or a few yes/no priorities, and never for sensitive personal or financial data.
Do they work on my phone?
Yes. Both tools are fully responsive and keyboard-accessible, and they work without creating an account or entering any personal details.
A tool gets you started. A conversation gets you an answer.
These tools cover the general rules. What they cannot cover is your county, your prescriptions and your doctors — which is where the real answer lives. No fee to talk it through.