Free Medicare calculators for Utahns turning 65
Every tool runs in your browser, states its formula, and shows worked examples you can check. Nothing you type is sent anywhere, and no result is ever hidden behind a form.
Income surcharge (IRMAA) calculator
One dollar over $109,000 (single) or $218,000 (joint) costs $1,148 a year per person. See your tier and what a Roth conversion would do.
Open →Enrollment window calculator
Your Initial Enrollment Period, coverage start date, Medigap window, and Special Enrollment Period from your birthday.
Open →Part B late penalty calculator
10% per year late, on $202.90, for life. Two years late is $9,739 over twenty years at today’s premium.
Open →Part D late penalty calculator
1% of $38.99 per uncovered month, rounded to the dime, for as long as you have drug coverage.
Open →Still-working-at-65 checker
Four questions match your coverage to the rules: delay or enroll, who pays first, HSA and Social Security traps.
Open →The tools compute the rules. A conversation applies them to you.
Bring your results to a no-cost consultation with an independent advisory firm.
Talk it through before you decide
Bring your birth date, your work situation, and last year’s tax return. Leave knowing your enrollment window, what Medicare will cost you, and whether the income surcharge applies.
- No-cost, no-obligation consultation
- Statewide by phone or video
- Education first — no plans sold here
Request your no-cost consultation
Tell us how to reach you — we follow up within one business day.