Free Tools · Live Data
Free Medicare tools — real data, no signup
Live calculators built on real CMS data and federal formulas — also callable by AI assistants via WebMCP.
Choose a tool
Find your best Medicare Advantage plan
Type your ZIP. We rank every Part C plan with drug coverage in your county — from real CMS Plan Year 2026 data — by what actually matters: premium, star rating, drug deductible, and max out-of-pocket.
Local ZIPs:
🤖 An AI agent ran the exact same call
Your click hit POST /mcp with this MCP tools/call payload — identical to what a browsing agent sends:
Discovery: /.well-known/mcp.json · Endpoint: /mcp
Numbers are a starting point — a local licensed advisor matches these results to your actual plans, free.
About these tools
Are these Medicare tools really free?
Yes — every tool on this page is free to use with no account or signup required. They run on real published CMS data and verified federal formulas.
How accurate are the penalty and IRMAA calculators?
The Part B and Part D penalty calculators use the exact published 2026 federal formulas and premium figures. The IRMAA calculator uses the official 2026 income brackets from SSA. All figures are labeled with their source year.
Can an AI assistant use these tools?
Yes. This site exposes all of these tools as WebMCP tools at /mcp, so an AI assistant with browsing capability can run the same calculations you do — see /llms.txt and /.well-known/mcp.json for the full tool manifest.
Should I rely solely on these tools to make my Medicare decisions?
These tools give you real numbers to work with — but Medicare decisions involve your specific doctors, prescriptions, and health situation. After running the tools, schedule a free consultation with a local licensed advisor who can apply these results to your actual options.