Interactive Estimator

Medicare Supplement Cost & Penalty Calculator

Estimate Medigap premiums, Part B late enrollment penalties, and check your open enrollment window. All figures are estimates — verify with Medicare.gov and licensed agents before enrollment.

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Your Age State of Residence Tobacco Use (past 12 months) Part B Enrollment Status Gender (for premium estimation)

Annual Medicare Open Enrollment Countdown

--Days

--Hours

--Minutes

Open Enrollment: October 15 – December 7

Next steps after your estimate

You have estimates. Now validate your assumptions before making enrollment decisions.

📊 Full plan cost estimation guide ⚠️ Deep dive: Part B late penalty rules 📋 Your state's guaranteed issue rights ⚖️ Plan G vs Plan N comparison

Important disclaimer

This calculator provides rough estimates only. Actual Medigap premiums depend on your ZIP code, health history, chosen insurer, underwriting method (community-rated, issue-age, or attained-age), and current CMS rate filings. Part B late enrollment penalties are calculated by CMS based on your specific enrollment dates. Always verify your situation at Medicare.gov and consult a licensed insurance agent before making coverage decisions.