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Calculators & Tools

Insurance calculators you can trust the math on

Every calculator uses published, year-labelled figures from CMS, Medicare.gov, the IRS, HHS and HealthCare.gov, and shows its sources. Your result appears on screen as you type. Nothing you enter is sent or saved, and there is no sign-up.

19 calculators · figures checked October 15, 2026

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Medicare

Dates, penalties, IRMAA, Medigap and drug costs, from CMS and Medicare.gov figures.

Medicare Eligibility CalculatorWhen can you get Medicare? Enter your birth date or disability start to see your Initial Enrollment Period, start date and 2026 Part A and B costs.
Medicare Enrollment Period FinderFind your Medicare enrollment windows: Initial Enrollment, Medigap open enrollment, the employer Special Enrollment Period and the yearly Open Enrollment.
Medicare IRMAA CalculatorWill you pay IRMAA? Enter your 2024 income and tax filing status to see your 2026 Part B premium and the Part D surcharge, using the SSA brackets.
Part B Late Enrollment Penalty CalculatorEstimate the Medicare Part B late enrollment penalty: 10% of the standard premium for each full 12 months you went without Part B, at 2026 rates.
Part D Late Enrollment Penalty CalculatorEstimate your Medicare Part D late enrollment penalty: 1% of the national base premium ($38.99 in 2026, $41.33 in 2027) for each month without coverage.
Medicare Advantage vs Original Medicare Cost CalculatorCompare a year on Medicare Advantage with Original Medicare plus Medigap Plan G and Part D, from light use to a worst case, and find your break-even point.
Medigap Cost Comparison CalculatorCompare Medigap Plan G, Plan N and high-deductible Plan G for a year of care, using your own premium quotes and 2026 Medicare deductibles and copays.
Medicare Prescription Drug Cost EstimatorEstimate yearly Medicare Part D drug costs on the standard benefit: deductible, 25% coinsurance and the out-of-pocket cap of $2,100 (2026) or $2,400 (2027).
Medicare Savings Program Eligibility EstimatorSee whether you may qualify for a Medicare Savings Program (QMB, SLMB, QI) or Extra Help, using the 2026 federal income and resource limits.

Health Insurance Marketplace (ACA)

Tax credits, premiums and enrollment windows, from IRS and HealthCare.gov rules.

ACA Premium Tax Credit CalculatorEstimate your Marketplace premium tax credit with the IRS formula, 2026 or 2027 applicable percentages and county benchmark premiums for FL and TX.
ACA Health Insurance Premium EstimatorEstimate Marketplace premiums for your household in the Florida and Texas counties we serve, before and after the tax credit, from 2026 HealthCare.gov prices.
ACA Marketplace Eligibility CalculatorCheck whether you can buy a Marketplace plan and get the premium tax credit under 2026 and 2027 IRS rules, including the employer affordability test.
ACA Special Enrollment Period FinderLost coverage, moved, married or had a baby? Find your Marketplace Special Enrollment Period deadline and when coverage can start, from HealthCare.gov rules.

Plan costs

Deductibles, coinsurance and out-of-pocket limits, worked through for your bills.

Deductible & Out-of-Pocket CalculatorSee what you would pay for a year of medical bills with your plan’s deductible, coinsurance, copays and out-of-pocket maximum, plus premiums.
Health Insurance Plan Comparison CalculatorCompare up to three health plans side by side: total yearly cost with no care, at your expected bills and in a worst-case year, premiums included.

Life insurance

How much coverage your family would need.

Life Insurance Needs CalculatorWork out how much life insurance your family would need: debts, years of income, mortgage, education and final expenses, minus savings and existing cover.

Dental & vision

Whether a plan pays back more than it costs.

Dental Insurance Cost & Savings CalculatorDoes a dental plan pay for itself? Enter your expected dental work and a plan’s premium, coverage percentages, deductible and annual maximum to see.
Vision Insurance Savings CalculatorDoes a vision plan save you money? Compare an eye exam, frames, lenses and contacts at full price with a plan’s copays, allowances and yearly premium.

Supplemental

The gap a hospital stay leaves, and what a fixed-benefit policy pays.

Supplemental Insurance Coverage Gap CalculatorEstimate what a hospital stay would cost under Original Medicare, Medigap or a Medicare Advantage plan, and what a hospital indemnity policy would pay.

What’s not here, and why

There is no term life premium estimator. Life premiums depend on each insurer’s underwriting, and no public rate table exists, so any number we showed would be invented. The life insurance needs calculator tells you how much coverage to look for; a licensed agent can then get you real quotes.

Talk it through with a licensed agent

Free, no-pressure help comparing Medicare, Marketplace, life and supplemental coverage. Call or book a time that suits you.

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Medicare TPMO disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.

This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.

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