Health & Benefits calculators
Health insurance and benefit programs are full of income cliffs and waiting periods that are hard to see until they cost you money. For 2026, the enhanced ACA premium tax credits have expired, bringing back the 400% of poverty “subsidy cliff”. Medicare charges higher Part B and Part D premiums — IRMAA — once your income crosses set thresholds, even by a dollar. And Social Security disability back pay depends on a five-month waiting period and a 12-month retroactivity limit.
These calculators apply the official 2026 tables, and the 2027 Social Security cost-of-living adjustment, so you can plan income, appeal decisions and budget with real numbers.
Medicare premium and IRMAA calculators
Check the 2027 Part B premium, estimate your Part D drug costs under the 2027 cap, find your IRMAA bracket and surcharge, estimate late-enrollment penalties, appeal a surcharge and prepare for open enrollment.
Medicare Part D Calculator 2027
Estimate your 2027 drug costs under the $2,400 out-of-pocket cap, and your payment plan bills.
Medicare Late Enrollment Penalty Calculator
Estimate the Part B and Part D late enrollment penalties added to your Medicare premiums.
2026 IRMAA brackets
See the 2026 IRMAA brackets for Medicare Part B and Part D: income limits for individual, joint and separate filers, monthly premiums and how to lower them.
ReferenceMedicare Part B premium for 2027 and 2026
See the Medicare Part B premium and deductible for 2027 and 2026, how much of your Social Security COLA is left after Part B, and the premiums since 2015.
BenefitsHow to Appeal IRMAA: A Step-by-Step Guide to Form SSA-44
How to appeal IRMAA if you retired or your income fell. See how the two-year lookback works, which life-changing events qualify and how to file Form SSA-44.
BenefitsMedicare Open Enrollment Checklist: What to Review Before December 7
Medicare open enrollment runs October 15 to December 7. Use this step-by-step checklist to compare Part D and Medicare Advantage plans, drug costs and IRMAA.
BenefitsMedicare Advantage vs Original Medicare for 2027: Which Is Better?
Medicare Advantage vs Original Medicare 2027: Advantage caps yearly costs at $9,850 but limits your doctors; Original plus Medigap costs more but covers any doctor.
ACA subsidy and Obamacare calculators
Estimate your 2027 or 2026 premium tax credit, check the income limits for your household, see who loses help at the 400% cliff and plan retirement income before Medicare.
ACA income limits for 2027 and 2026
See the ACA income limits for 2027 and 2026 subsidies by household size: the 100%, 138%, 250% and 400% poverty-line amounts, what you'll pay and the cliff.
BenefitsACA Subsidies for Early Retirees: What Income Counts in 2026 and 2027
Retiring before 65? See which retirement income counts for ACA subsidies, the 2027 income range and how to plan IRA withdrawals and Roth conversions around it.
BenefitsBronze vs Silver ACA Plans for 2027: Which Costs Less?
Bronze vs silver for 2027 ACA coverage: silver wins under 200% of the poverty line thanks to cost-sharing reductions; above 250%, bronze often wins.
Which benefits calculator do you need?
- Buying Marketplace health insurance? The ACA subsidy calculator estimates your 2026 premium tax credit and warns you if you are near the 400% cliff.
- On Medicare with higher income? The IRMAA calculator shows your Part B and Part D surcharges and how far you are from the next bracket.
- Signed up for Medicare late? The Medicare late enrollment penalty calculator estimates the Part B and Part D penalties added to your premiums.
- Getting Social Security? The Social Security COLA calculator shows your 2027 benefit after the cost-of-living increase and the Medicare Part B premium.
- Waiting on a disability decision? The SSDI back pay calculator applies the waiting period, the retroactive limit and the representative fee cap.
Watch for income cliffs
Several programs switch benefits on or off at a single income threshold. For 2026, earning $1 over 400% of the poverty line ends ACA premium tax credits entirely, and crossing an IRMAA bracket by $1 raises Medicare premiums for the whole year. Small, legal changes — a pre-tax retirement contribution, an HSA deposit, or timing a Roth conversion — can keep you under a threshold. When a few hundred dollars of income could cost thousands, it is worth planning carefully and confirming with a professional.
Social Security and SSDI calculators
See your benefit after the 2027 cost-of-living adjustment, compare claiming at 62, full retirement age and 70, check the earnings limit if you work, find how much of your benefit is taxable and estimate SSDI back pay.
Social Security Claiming Age Calculator: 62 vs 67 vs 70
Compare your Social Security benefit at every claiming age from 62 to 70, with break-even ages.
Social Security COLA Calculator 2027
See your 2027 Social Security benefit after the cost-of-living increase and the Medicare Part B premium.
Social Security Earnings Limit Calculator
See how much of your Social Security is held back if you work before full retirement age, with the 2027 limits.
Social Security Tax Calculator: How Much Is Taxable?
Find how much of your Social Security benefit is taxable, your provisional income and the federal tax on it.
SSDI Back Pay Calculator
Estimate Social Security disability back pay, the waiting period and attorney fee.