By line of business
Line C · Medicare
Medicare brokers need educational, plan-neutral tools that help people approaching 65 plan around Medicare: a Medicare IRMAA calculator for income-related surcharges (built, awaiting release), when HSA contributions must stop, what long-term care could cost, and how much monthly income a lump sum can buy.
What you get
Medicare
The visitor picks self-only or family HDHP coverage, enters their age, what has already gone in this year and the months left. You receive their maximum, the remaining room and the monthly amount to reach it.
4 inputs · 5 results
The visitor enters today's annual care cost, a care inflation rate, years until care, expected duration and the savings they have set aside. You receive the projected future cost and the funding gap in future dollars.
5 inputs · 5 results
The visitor enters a lump-sum premium, an annual rate and a payout period. You receive the monthly income they modeled, the premium they have in hand and how long they want income to last.
3 inputs · 5 results
Because they answer the money questions people actually have at 65. Enrolling in Medicare stops HSA contributions; Medicare generally doesn't cover long-term custodial care; and retirement income determines both IRMAA exposure and how premiums get paid. Each tool is plan-neutral, which suits Medicare marketing rules.
The HSA contribution calculator includes a definition explaining the Medicare cut-off, the long-term care calculator projects the care-cost gap, and the immediate annuity calculator turns savings into a monthly income figure.
It takes tax filing status and modified adjusted gross income from two years earlier, finds the income-related monthly adjustment amount bracket for Part B and Part D, and shows the surcharge, the household's yearly total and how much income room is left before the next bracket. It is built and publishes here when released.
IRMAA brackets are cliffs: one dollar over a threshold triggers the whole surcharge. That makes the "income room before next bracket" result a powerful planning prompt for Roth conversions and capital gains — and a reason a Medicare client will happily talk to you in the off-season. Life-changing events such as retirement can be reported to Social Security on form SSA-44.
Calculators that educate without naming plans or benefits are generally treated as educational content, but anything that markets Medicare Advantage or Part D plans falls under the CMS Medicare Communications and Marketing Guidelines — including the third-party marketing organization (TPMO) disclaimer where it applies and scope-of-appointment rules. The CY2027 rule changed scope-of-appointment timing, so check the current guidance.
Keep calculator pages plan-neutral, add your TPMO disclaimer where your pages market plans, and keep consent language for calls and texts specific. See the CMS guidelines (opens in a new tab) and our season guide.
FAQ
Answers first, details after.
A Medicare IRMAA calculator is built and waiting for release. Alongside it, three live calculators serve Medicare-age clients: HSA contribution limits (which stop at Medicare enrollment), long-term care costs and immediate annuity income.
We have no plans to compare Medicare Advantage or Part D plans. Plan comparisons carry specific CMS marketing requirements and depend on plan data that changes every year; our tools stay educational and plan-neutral so brokers can use them around the year.
If the page markets Medicare Advantage or Part D plans and you are a third-party marketing organization under CMS rules, the disclaimer requirements apply to that page. A purely educational calculator page may not trigger it, but many brokers include it site-wide; check with your compliance contact and carriers.
Only with appropriate consent, and Medicare adds its own rules on unsolicited contact and appointments. The lead form records consent with the submission; your consent language and contact practices must meet TCPA and CMS requirements. Our lead consent guide is a starting point, not legal advice.
Because enrolling in any part of Medicare ends eligibility to contribute to an HSA, and Part A enrollment can be backdated up to six months for people who apply after 65. People still working at 65 often don't know this, and it is a valuable conversation opener.
Medicare generally covers limited skilled nursing or home health care after a qualifying event, not long-term custodial care such as help with bathing or dressing over months or years. The long-term care calculator helps a client see the size of that gap.
Yes. All calculators run in English and Spanish; the site's other languages are being added, and the widget interface follows when the platform supports them.
The insurance calculators are part of Enterprise at $210 a month, $2,100 a year or $4,997 once, with a 14-day free trial.
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