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IRMAA premium calculator
For Ohio retirees with an OPERS, STRS Ohio, SERS, OP&F or HPRS pension, required minimum distributions or a one-time 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 an Ohio Medicare Premium Assistance Program and Extra Help can take them away.
Savings programs screener
Check whether your income and savings fit QMB, SLMB or QI-1 through Ohio Medicaid, or Extra Help through Social Security, using Ohio's 2026 limits.
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 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, your county Department of Job and Family Services decides whether you qualify for a premium assistance program, and Social Security decides Extra Help. If a result is close to a limit, apply anyway: both agencies subtract some income, and leave out some property, before they compare what you have to the limit.
What is different in Ohio
- Ohio has an asset test for its Medicare Premium Assistance Programs. Under Ohio Administrative Code 5160:1-3-02.1, countable resources for QMB, SLMB and QI-1 can't be more than $9,950 for one person or $14,910 for a couple in 2026, lower than the Extra Help limit. Your home and one car don't count. See Medicare Savings Programs in Ohio.
- Applying goes through Ohio Medicaid. Apply online at benefits.ohio.gov or at your county Job and Family Services office. QMB starts the month after approval and isn't backdated, so apply as soon as you think you qualify. Read Ohio Medicaid and Medicare for how the two work together.
- Your federal return, not your Ohio return, drives IRMAA. Social Security uses only your federal MAGI. The taxable part of a pension from any of Ohio's five public retirement systems, a DROP payout you take as cash, required minimum distributions and Roth conversions all count. See Ohio public retirement systems and Medicare.
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, 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
- Ohio Administrative Code 5160:1-3-02.1 — Medicare premium assistance programs
- Ohio Department of Medicaid — 2026 Monthly Financial Eligibility, Aged, Blind or Disabled Individuals (PDF)
- 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 2026 amounts Medicare and Social Security publish. Social Security sets your actual premium and any IRMAA, your county Job and Family Services office decides Medicare Premium Assistance Program 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 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 CMS publishes the 2027 Part B premium and IRMAA brackets.
Does Ohio's state income tax change any of these results?
No. IRMAA uses the income on your federal tax return, and the premium assistance programs and Extra Help use their own income rules. Your Ohio return, and any Ohio deductions or credits on it, don't raise or lower these amounts.
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