Estimate your coverage needs and request quotes — no login, no spam, no obligation. Built by licensed advisors, free to use.
Free, private tools to help you plan your Medicare timing, avoid penalties, and estimate costs. Everything is calculated in your browser — and figures that change each year are entered by you, so the math always reflects the current year. These tools are for education only, not a quote or a determination of benefits.
Answer a few quick questions and a licensed Medicare agent will prepare a personalized cost estimate for your area — free, no obligation, and no income or health questions.
Start the estimatorSee how long until you turn 65 and when your Medicare eligibility begins.
OpenFind your exact 7-month window to sign up for Medicare around your birthday.
OpenStill working at 65? Find your 8-month penalty-free window to enroll in Part B.
OpenEstimate the lifelong penalty for delaying Part B without qualifying coverage.
OpenEstimate the drug-coverage penalty from the current national base premium.
OpenCompare the estimated annual cost of each path using your own numbers.
OpenSee your best-case and worst-case yearly spending under a plan’s MOOP.
OpenEstimate yearly drug costs from your premium, deductible, and copays.
OpenTotal what you might pay for dental, vision, and hearing Original Medicare skips.
OpenFind when to stop HSA contributions before Medicare to avoid a tax penalty.
OpenSee which tax year Medicare uses for income-based Part B and D surcharges.
OpenMaru Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.