Choose a calculator
IRMAA premium calculator
For Arizona retirees with a pension, required minimum distributions or a home sale: enter your 2024 income to see your 2026 Part B premium and Part D surcharge, and how close you are to the next bracket.
Part D drug cap estimator
See what the $2,100 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.
Late enrollment penalty calculator
Estimate the Part B and Part D penalties for a late sign-up, and see how AHCCCS Medicare Savings Programs and Extra Help can take them away.
Savings programs screener
Check whether your income fits QMB, SLMB or QI-1 through AHCCCS, or Extra Help through Social Security. Arizona doesn't count savings for these Medicare Savings Programs.
How the calculators work
Each calculator reads the same 2026 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 Medicare Savings Program and Extra Help income 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, AHCCCS decides whether you qualify for a Medicare Savings Program, and Social Security decides Extra Help when you apply there. If a result is close to a limit, apply anyway: both agencies subtract some income before they compare it to the limit.
What is different in Arizona
- No asset test for Medicare Savings Programs. AHCCCS lists the resource limit for QMB, SLMB and QI-1 as "N/A", so savings, investments or a second car don't stop you from qualifying. Extra Help, which Social Security runs, still has a resource limit. See Medicare Savings Programs in Arizona.
- Applying goes through Health-e-Arizona Plus. Medicare Savings Programs are part of AHCCCS, Arizona's Medicaid program, so you apply online at Health-e-Arizona Plus or by contacting AHCCCS. Read AHCCCS and Medicare for how the two work together.
- Pension and retirement-account income drives IRMAA for many retirees. Arizona state taxes don't change IRMAA; Social Security uses your federal tax return, so pension payments, required minimum distributions and Roth conversions all count.
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 the full picture of 2026 amounts, see Medicare costs in 2026. To see Medicare Advantage and Part D plans offered where you live, you can see plans in your ZIP code. To talk it through with a licensed insurance agent with Benefits Life, call (602) SENIORS (602-736-4677), TTY 711.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- AHCCCS — Eligibility requirements, February 1, 2026 (PDF)
- Medicare.gov — Medicare Savings Programs
- Social Security — Extra Help with Medicare prescription drug costs
Frequently asked questions
Are these calculator results official?
No. They are estimates built on the 2026 amounts Medicare and Social Security publish. Social Security sets your actual premium and any IRMAA, AHCCCS decides Medicare Savings Program eligibility, and Social Security or AHCCCS decides Extra Help.
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 2026 amounts: the $202.90 standard Part B premium, the 2026 IRMAA brackets, the $2,100 Part D out-of-pocket cap and the 2026 Medicare Savings Program and Extra Help limits. We update them when Medicare publishes the next year's figures.
