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IRMAA premium calculator
For Florida retirees with an FRS or other pension, military retired pay, required minimum distributions, or a home sold up north before the move: enter your 2024 income to see your 2026 Part B premium and Part D surcharge, and how close you are to the next bracket.
Late enrollment penalty calculator
Estimate the Part B and Part D penalties for a late sign-up, and see how a Medicare Savings Program through Florida Medicaid and Extra Help can take them away.
Part D drug cap estimator
See what the 2027 yearly cap on covered drug costs means for your prescriptions, how the Medicare Prescription Payment Plan spreads it out, and what you might pay with Extra Help.
Savings programs screener
Estimate whether your income and savings might fit QMB, SLMB or QI (Florida's Medicare Savings Programs, run by DCF), or Extra Help through Social Security.
How the calculators work
Each calculator reads the same figures that appear across this site: the amounts CMS and Social Security publish for Part B premiums, IRMAA brackets, the Part D out-of-pocket cap and the national base premium, and the federal Medicare Savings Program and Extra Help limits. When Medicare announces new amounts, the calculators change with them.
They give estimates, not decisions. Social Security sets your Part B premium and any income-related surcharge, DCF decides whether you qualify for QMB, SLMB or QI, and Social Security decides Extra Help. If a result is close to a limit, apply anyway: both agencies leave out some income and some property before they compare what you have to the limit.
What is different in Florida
- DCF decides the Medicare Savings Programs. Florida uses the federal names, QMB, SLMB and QI1, with income limits at 100%, 120% and 135% of the federal poverty level and asset limits of $9,950 for one person or $14,910 for a couple in 2026 (DCF Appendix A-9.1). DCF's chart lists income amounts before a small standard income disregard, so they look a little lower than the federal figures on Medicare.gov. The screener estimates against the federal figures; DCF's chart has Florida's exact amounts. See Medicare Savings Programs in Florida.
- You apply through ACCESS Florida. Florida uses one application for Medicaid and the Medicare Savings Programs, online at MyACCESS; DCF's call center is (850) 300-4323 (Florida Relay 711). Read Florida Medicaid and Medicare for how the two programs fit together.
- Only your federal return drives IRMAA. Florida doesn't tax individuals' income (Florida Constitution, Article VII, Section 5), so there is no state return to consider. The taxable part of an FRS pension, military retired pay, required minimum distributions, Roth conversions and gains from selling a home up north all count on your federal return.
- State retirees have their own rules. If you keep State Group Insurance after you become eligible for Medicare, the State plan pays as if you had Part B whether or not you have it, so skipping Part B leaves you paying the share Medicare would have paid. See Florida state retirees and Medicare.
- No state drug program for seniors. Florida doesn't run a state pharmaceutical assistance program for seniors, so the Part D cap and Extra Help are the main protections against high drug costs.
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 of this year's amounts, see Medicare costs in 2026, and for what CMS has published 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 2027 Rate Announcement (Part D parameters) (PDF)
- Florida DCF — Appendix A-9.1, Medicare Savings Programs and LIS financial standards, effective April 2026 (PDF)
- Florida DCF — Public assistance (ACCESS Florida)
- Florida Constitution, Article VII, Section 5 — Estate, inheritance and income taxes
- Florida Division of State Group Insurance — Frequently asked questions: retirees
- Medicare.gov — Medicare Savings Programs
- Social Security — Extra Help with Medicare prescription drug costs
- Social Security — Premiums: rules for higher-income beneficiaries
Frequently asked questions
Are these calculator results official?
No. They are estimates built on the amounts Medicare and Social Security publish. Social Security sets your actual Part B premium and any IRMAA, the Florida Department of Children and Families (DCF) decides QMB, SLMB and QI eligibility, and Social Security decides Extra Help when you apply there.
Do I have to enter my name or contact details?
No. The calculators run in your browser, ask only for numbers, and don't send or store anything you type.
Which year's figures do the calculators use?
The IRMAA, penalty and savings program tools use 2026 amounts, including the $202.90 standard Part B premium, because CMS hasn't published the 2027 Part B premium and IRMAA brackets yet. The drug cap estimator uses the 2027 Part D cap and Extra Help copays, which CMS has published.
Florida has no state income tax. Does that change my IRMAA?
No. IRMAA is set from the modified adjusted gross income on your federal tax return. Florida doesn't tax individuals' income, so there is no state return involved, but your federal income still decides your Part B and Part D premiums.
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