Run your own numbers first
Insurance companies speak insurance. We translate. These free tools turn the rules that drive your costs and deadlines into plain answers, so you walk into any decision, or any conversation with us, with a plan instead of a guess. Every tool runs in your browser. No email walls, ever.
Why we give the answers away
Kate's philosophy is simple: you can't make a confident insurance decision until you understand your own numbers, and you shouldn't have to trade your email address to see them. So each tool here answers one real question, shows its work, and hands you a plan. When you're ready for a human to verify the details, You Don't Have to Figure It Out Alone.
Tools last updated August 31, 2026. Figures reflect published 2026 amounts.
Medigap Cost Comparison
Kate's flagship: compare what Medigap plans typically cost side by side, so you can see the real price of predictability.
Open the toolIRMAA Calculator
See whether your income puts you into a 2026 Medicare premium surcharge, and how close you are to the next bracket.
Open the toolPart B Penalty Calculator
Estimate what delaying Part B enrollment could add to your premium, for life, based on how long you waited.
Open the toolPart D Penalty Calculator
Estimate the lifetime Part D late-enrollment penalty from the months you went without creditable drug coverage.
Open the toolPart A Work Credits & Premium Calculator
Check whether your work history earns you premium-free Part A, and what Part A costs in 2026 if it doesn't.
Open the toolACA Qualifying Event Finder
Missed Open Enrollment? Check your life changes against the Special Enrollment Period rules and see your likely windows.
Open the toolMedicare Enrollment Finder
Plain-English questions that point you to the Medicare enrollment window that may apply to your situation.
Open the toolFamily Glitch Calculator
Your job's family coverage gets tested separately from your own. See whether your spouse and children can qualify for Marketplace subsidies while you stay on the employer plan.
Open the toolMAGI Income Estimator
Estimate your annual MAGI the way the Marketplace counts it, including the deductions self-employed people miss.
Open the toolA tool gets you close. A person gets it right.
These calculators are honest about what they are: education. They use the published 2026 figures, they run privately in your browser, and they will get you within sight of your real answer. What they can't do is check your doctors against a network, run your medications through a formulary, or catch the exception that happens to fit your life. That's the part we do, and it costs you nothing extra. Start with a tool, then bring us your numbers and we'll verify them against the plans you can actually buy. If you're brand new to all of this, our plain-English answers library and starter kit are good first stops.
About these tools
Are these tools really free?
Yes. No fee, no account, no email wall. Kate built this site on the idea that education comes first, and a tool you have to pay for with your inbox isn't education. If a tool leads you to want a licensed agent's help, that conversation is free too.
Do you store the numbers I type in?
No. Everything runs in your browser. Your income, your dates, your checkboxes never leave your device, and we can't see them. The only information we ever receive is what you choose to send us through the contact form.
How accurate are the results?
Each tool uses the published 2026 figures and rules and is updated when those change, so the math is honest. But they're estimates built for education, not official determinations. Final eligibility and pricing always depend on Marketplace and Medicare rules, carrier underwriting, and your documentation, which is exactly what we verify for clients.
Built because guessing costs real money
Kate built these calculators around the questions clients actually bring her: penalties they didn't know existed, IRMAA cliffs one Roth conversion away, Medigap quotes that look identical until year seven. Run the numbers, then bring them to a real conversation.
Ran your numbers? Let's pressure-test them.
Send us what a tool told you and a licensed agent will verify it against the real plans, networks, and rules that apply to you. Free, no pressure, and usually the same day.
- No cost to you
- RSSA® · CMIP®
- No pressure, ever