Plan Medicare enrollment: see your Initial Enrollment Period, projected Part B + D premiums with IRMAA, Medigap range, and any late-enrollment penalty.
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Initial Enrollment Period (IEP)
Sign up between 2030-03 and 2030-09. You turn 65 in 2030-06. Enroll before your birthday month to avoid coverage start delays.
| IEP Start | 2030-03 |
|---|---|
| IEP End | 2030-09 |
| Standard Part B (2026) | $185/mo |
| IRMAA Part B Surcharge | +$0.00/mo |
| Part B Late Penalty | +$0.00/mo |
| Total Part B | $185.00/mo |
| Part D Base + IRMAA + Penalty | $36.78/mo |
| Total Monthly Premium | $221.78/mo |
| Annual Total | $2,661 |
| Medigap Plan G (state-varies) | $110-$250/mo |
| Medigap Plan N (state-varies) | $90-$200/mo |
| Age at Planned Retirement | 65 |
Educational only. Verify enrollment + premiums at Medicare.gov. IRMAA tiers and Medigap pricing change annually and vary by state.
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You can first sign up for Medicare during the IEP — the 3 months before your 65th birthday month, your birthday month, and the 3 months after. Sign up before your birthday month to avoid a coverage start delay.
IRMAA uses your tax return from 2 years prior. Large income events (Roth conversions, asset sales) in the years leading up to age 63 can spike your Medicare premiums. Use the Roth Conversion Window calculator to model timing.
Original Medicare + Medigap + Part D gives nationwide access to any doctor accepting Medicare. Medicare Advantage (Part C) bundles everything but usually with network restrictions. Plan G is the most comprehensive Medigap; Plan N is cheaper with small copays.
The IEP is a 7-month window: the 3 months before the month you turn 65, your birthday month, and the 3 months after.
The standard Part B premium for 2026 is approximately $185/month. Higher-income beneficiaries pay an IRMAA surcharge.
10% added to the premium for every full 12 months you could have had Part B but didn't enroll. It's a lifelong penalty.
1% of the national base premium per month without creditable drug coverage. The penalty lasts as long as you have Part D.
Yes, if you have qualifying active employer coverage at a 20+ employee company, you can delay Part B without penalty via a Special Enrollment Period.
Plan G typically runs $110-$250/month at age 65; Plan N is usually $90-$200/month. Prices vary by state, carrier, age, gender, and tobacco use.
Part B = $185 (2026 base) + IRMAA tier surcharge + late penalty
IEP = 3 months before birthday month → 3 months after (7 months total).
Late penalty: Part B 10% per year missed (lifelong). Part D 1% per month missed (lifelong).
IRMAA uses MAGI from 2 years prior — 2026 premiums based on 2024 MAGI.
Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.
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Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.