Work it out for yourself
When can I sign up?
Tell me the month and year you were born and I'll show you the seven months you have to sign up, when coverage would start, and what changes if you're still working.
When you can sign up →What does being late cost me?
If you went without Part B or drug coverage after you were eligible, this works out what the penalty adds to your premium — and for how long.
What being late costs →Will I pay more than everyone else?
Higher earners pay more for Part B and Part D. Enter how you file and the income from your tax return, and this shows which bracket you land in and how close the edge is.
What you'll pay, by income →Can I stay on my employer plan?
Four questions about your job, your spouse's, and your health savings account, and a written summary of what applies to you and what has a deadline attached.
Working past 65 →
Turning 65 and none of this is urgent yet?
That is the usual answer, and it is the right one until about three months before your birthday. Tell me the month and I will write when there is something to do — five emails across the whole run, then nothing.
Rather just ask?
A calculator cannot see your situation. Half an hour on the phone can.
Figures are for the 2026 plan year. They change every autumn, and these are checked against CMS when they do — the 2026 numbers are the ones in use now.