TOOLS · UPDATED 2026
Free Medicare Tools for Florida Seniors
Three free interactive tools I built for clients who want to do the math themselves before booking a call. No email gate, no lead capture, no upsell — just the calculator or wizard you came for, surrounded by a real agent's analysis.
Each tool below is free, runs entirely in your browser, and asks for nothing more than the inputs the math actually requires — no email, no name, no phone number, no "we'll send you a quote." I built them because the existing Medicare calculators online either bury the answer behind a lead form or hand you a number with no explanation of where it came from. These show the math, link to the CMS source, and sit inside a page of analysis written by a licensed Florida agent (me — Irene). I update the bracket figures each year as CMS publishes them, so what you see is current. If you'd rather walk through your specific situation together, book a free 30-minute call.
Turning 65 in Florida
Tell me your birth month, work status, and ZIP code. I'll show you the exact dates of your Initial Enrollment Period, what to do if you're still working, and a checklist of next steps tailored to your situation.
Open the wizard →Late Enrollment Penalty Estimator
See the exact dollar amount of the permanent Part B and Part D surcharge you'd pay for delaying enrollment past your IEP. Step-by-step math shown, plus how to appeal an existing penalty.
Calculate penalty →IRMAA Estimator
Enter your 2024 filing status and MAGI. See which IRMAA tier applies for your 2026 premiums and the annual additional cost. Includes the SSA-44 life-changing-event appeal walkthrough.
Estimate IRMAA →Each tool page goes deeper than the calculator itself — read the explainer, FAQ, and how-to-appeal sections inline. Or book a free 30-minute consultation if you'd rather walk through your specific situation together.