Choose a calculator
IRMAA bracket finder
Enter the modified adjusted gross income from your 2024 federal tax return to see your 2026 Part B premium and Part D income-related amount, for single, joint and married-filing-separately filers.
Part D late enrollment penalty
Estimate the monthly penalty for months without Part D or other creditable drug coverage: 1% of the national base premium ($38.99 in 2026) for each full month.
Extra Help eligibility estimator
Check your income and resources against the 2026 Extra Help limits, and see why Oregon's Medicare Savings Programs, which have no asset limit, may also fit.
Medigap birthday rule timing
Find your next Oregon birthday rule window: from 30 days before to 30 days after your birthday, you can switch to a Medigap policy with the same or lesser benefits without health questions.
Part B enrollment decision tool
Choose your situation (job-based coverage, COBRA, retiree plan, PEBB, OEBB or PERS, VA, TRICARE, OHP, HSA) and see whether to sign up for Part B now or whether you can delay it safely.
2026 Medicare figures the calculators use
| Item | 2026 amount |
|---|---|
| Part B standard premium | $202.90 a month |
| Part B deductible | $283 a year |
| Part B late penalty | 10% of the standard premium for each full 12 months |
| IRMAA starts above (single / joint) | $109,000 / $218,000 modified adjusted gross income (2024 return) |
| Highest Part B premium with IRMAA | $689.90 a month |
| Part D national base premium | $38.99 |
| Part D out-of-pocket cap | $2,100 |
| Extra Help income limit (single / married) | $23,940 / $32,460 a year |
| Extra Help resource limit (single / married) | $16,590 / $33,100 |
| Part A deductible | $1,736 per benefit period |
How the calculators work
Each calculator reads the same 2026 figures used across this site, from CMS's and Social Security's published amounts, so when Medicare announces new amounts the calculators change with them. They give estimates, not decisions. If a result is close to a limit, apply or ask anyway: Social Security and ODHS leave some income and property out before they compare what you have to a limit.
What's different in Oregon
- Medigap birthday rule. Oregon Administrative Rules 836-052-0143 lets people with a Medigap policy switch, from 30 days before to 30 days after their birthday each year, to a policy with the same or lesser benefits, without medical underwriting. Since January 1, 2023 the window starts 30 days before the birthday.
- No asset limit for Medicare Savings Programs. Oregon dropped the resource test for QMB, SLMB and QI in 2016, so if your savings are too high for Extra Help, you may still qualify for a Medicare Savings Program, which brings Extra Help with it. See Medicare Savings Programs in Oregon.
- Public retiree plans and Part B. PEBB and OEBB retiree medical coverage ends when you become eligible for Medicare, and the PERS Retirement Health Insurance Account subsidy requires Part A and Part B. See PEBB and Medicare and OEBB and Medicare.
After you run the numbers
A calculator can tell you what a rule costs; it can't tell you which plan fits your doctors and prescriptions. For all the 2026 amounts see Medicare costs in Oregon, and for what CMS has published so far for next year, Medicare costs in 2027. To see Medicare Advantage and Part D plans offered where you live, you can see plans for your ZIP code. To talk it through with a licensed insurance agent who works with Benefits Life, you can request a call from a licensed insurance agent.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- CMS — CY 2026 resource and cost-sharing limits for the Low-Income Subsidy (PDF)
- Oregon Administrative Rules 836-052-0143 — Annual opportunity to select another Medicare supplement policy
- Oregon Department of Human Services — Medicare Savings Programs
- Oregon Administrative Rules 101-050-0010 — PEBB retiree coverage
Frequently asked questions
Are these calculator results official?
No. They're estimates based on amounts CMS and Social Security publish. Social Security sets your Part B premium, any IRMAA and the Part B penalty, your drug plan bills any Part D penalty, Social Security decides Extra Help, and Medigap companies apply Oregon's birthday rule.
Do I have to enter my name or contact details?
No. The calculators run in your browser, ask only for numbers, dates or choices, and don't send or store anything you type.
Which year's figures do the calculators use?
2026: the $202.90 standard Part B premium, the 2026 IRMAA brackets, the $38.99 Part D base premium and the 2026 Extra Help limits. CMS publishes the 2027 Part B premium and IRMAA amounts in the fall, and the tools will change when those figures are added.
Does Oregon's state income tax change any of these results?
No. IRMAA uses the modified adjusted gross income on your federal tax return. Your Oregon return, and Oregon's tax treatment of PERS benefits or other income, doesn't raise or lower IRMAA.
Medicare in your Oregon county
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