Choose a calculator
IRMAA premium calculator
For Washington retirees with a state or federal pension, required minimum distributions, stock income 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 a Medicare Savings Program through Apple Health and Extra Help can take them away.
Savings programs screener
Check whether your income fits QMB, SLMB or QI-1 through Washington Apple Health, or Extra Help through Social Security. Washington doesn't count savings for its 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, the Extra Help limits, and Washington's own Medicare Savings Program income limits. When the amounts change, the calculators change with them.
They give estimates, not decisions. Social Security sets your Part B premium and any income-related surcharge, Washington Apple Health 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 Washington
- No asset test, and higher limits, for Medicare Savings Programs. The Health Care Authority says there are no asset tests for these programs, so savings, investments or a second car don't stop you from qualifying. Washington's rule, WAC 182-517-0100, also sets the income limits above the federal minimum: QMB up to 110% of the federal poverty level, SLMB up to 120% and QI-1 up to 138%. Extra Help, which Social Security runs, still has a resource limit. See Medicare Savings Programs in Washington.
- Applying goes through Washington Connection. Medicare Savings Programs are part of Washington Apple Health (Medicaid), so you apply online at Washington Connection or with a paper application. Read Apple Health and Medicare for how the two work together.
- No state income tax, but IRMAA still counts your federal income. Social Security uses your federal tax return, so pension payments, required minimum distributions, stock sales and Roth conversions all count, even though Washington doesn't tax them as income.
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 changes next year, Medicare costs in 2027. 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 (206) SENIORS (206-736-4677), TTY 711.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- WAC 182-517-0100 — Federal Medicare savings programs (income levels; no resource test)
- Washington State Health Care Authority — Medicare Savings Program
- Health Care Authority — Washington Apple Health income and resource standards, April 1, 2026 (PDF)
- 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, Social Security and the Washington State Health Care Authority publish. Social Security sets your actual Part B premium and any IRMAA, Washington Apple Health decides Medicare Savings Program eligibility, and Social Security or Apple Health 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.
Why does the savings programs screener show higher limits than Medicare.gov?
Washington sets its Medicare Savings Program limits above the federal minimum: QMB goes up to 110% of the federal poverty level and QI-1 up to 138%, compared with 100% and 135% in the federal rules. Medicare.gov shows the federal minimum, so the screener uses Washington's limits instead.
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. They change when Medicare and the state publish new amounts.
Medicare in your Washington county
Plans, local agents and help, county by county: Adams · Asotin · Benton · Chelan · Clallam · Clark · Columbia · Cowlitz · Douglas · Ferry · Franklin · Garfield · Grant · Grays Harbor · Island · Jefferson · King · Kitsap · Kittitas · Klickitat · Lewis · Lincoln · Mason · Okanogan · Pacific · Pend Oreille · Pierce · San Juan · Skagit · Skamania · Snohomish · Spokane · Stevens · Thurston · Wahkiakum · Walla Walla · Whatcom · Whitman · Yakima
