Free Tools · Live Data
Free Medicare tools — real data, no signup
Six live calculators built on real CMS data and federal formulas. Every tool is also callable by AI assistants via WebMCP.
Tool 1 of 6
Medicare Plan Finder
See every Medicare Advantage plan in your county — premium, star rating, drug deductible, and max out-of-pocket — from real CMS Plan Year 2026 data. Enter your ZIP to start.
Find your best Medicare Advantage plan
Type your ZIP. We rank every Part C plan with drug coverage in your county by what actually matters — premium, star rating, drug deductible, and max out-of-pocket.
Demo ZIPs:
🤖 An AI agent ran the exact same call
Your click hit POST /mcp with this MCP tools/call payload — identical to what a browsing agent sends:
Discovery: /.well-known/mcp.json · Endpoint: /mcp
Tool 2 of 6
Medicare Eligibility Checker
Enter your birth month and year to find your exact 7-month Initial Enrollment Period — when it opens, when it closes, and the best time to enroll to avoid any coverage gap.
Tool 3 of 6
Part B Late-Enrollment Penalty Estimator
If you miss your Initial Enrollment Period without creditable employer coverage, Medicare adds a permanent 10% penalty to your Part B premium for each full 12-month gap. Enter your delay to see the lifetime cost.
Tool 4 of 6
Part D Late-Enrollment Penalty Estimator
Going without creditable drug coverage after you're first eligible adds a permanent monthly penalty — roughly 1% of the national base premium for each month uncovered. Enter your gap to see the cost.
Tool 5 of 6
IRMAA Surcharge Calculator
Higher-income Medicare beneficiaries pay an Income-Related Monthly Adjustment Amount (IRMAA) on top of their Part B and Part D premiums. This calculator uses official 2025 SSA brackets based on your 2023 tax return income.
Tool 6 of 6
Drug Cost Estimator
Under the Inflation Reduction Act, your 2025 out-of-pocket spending on covered Part D drugs is capped at $2,000. Enter your approximate monthly prescription retail cost to see whether you'll hit the cap and what you'd actually pay.
After running the tools
Get a local advisor to apply these results to your situation
Numbers from calculators are a starting point. A licensed La Crosse area advisor matches your eligibility window, penalty risk, and IRMAA bracket to the actual plans available in your county — free, no pressure.
About these tools
Are these Medicare tools really free?
Yes — every tool on this page is free to use with no account or signup required. They run on real published CMS data and verified federal formulas.
How accurate are the penalty and IRMAA calculators?
The Part B and Part D penalty calculators use the exact published 2025 federal formulas and premium figures. The IRMAA calculator uses the official 2025 income brackets from SSA. All figures are labeled with their source year.
Can an AI assistant use these tools?
Yes. This site exposes all of these tools as WebMCP tools at /mcp, so an AI assistant with browsing capability can run the same calculations you do — see /llms.txt and /.well-known/mcp.json for the full tool manifest.
Should I rely solely on these tools to make my Medicare decisions?
These tools give you real numbers to work with — but Medicare decisions involve your specific doctors, prescriptions, and health situation. After running the tools, schedule a free consultation with a local licensed advisor who can apply these results to your actual options.