Choose a calculator
IRMAA premium calculator
For Texas retirees with a TRS or ERS pension, required minimum distributions 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 Texas Medicaid and Extra Help can take them away.
Savings programs screener
Check whether your income and savings fit QMB, SLMB or QI-1 through Texas Medicaid, or Extra Help through Social Security, using the 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, HHSC 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, and leave out some property, before they compare what you have to the limit.
What is different in Texas
- Texas has a resource test for Medicare Savings Programs. HHSC's Medicaid for the Elderly and People with Disabilities (MEPD) handbook sets a resource limit for QMB, SLMB and QI-1 of $9,950 for one person and $14,910 for a couple in 2026. Your Texas homestead, one car, burial spaces and some burial funds and small life insurance policies don't count. See Medicare Savings Programs in Texas.
- Applying goes through Your Texas Benefits. Medicare Savings Programs are part of Texas Medicaid, run by HHSC. You can apply at YourTexasBenefits.com or on paper with Form H1200-EZ, the HHSC application for Medicare Savings Programs. Read Texas Medicaid and Medicare for how the two work together.
- Pension and retirement-account income drives IRMAA for many retirees. Texas has no state income tax, so there is no state return that could change your IRMAA. Social Security uses your federal tax return, and the taxable part of a TRS or ERS pension, required minimum distributions and Roth conversions all count.
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. 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 (512) 265-6565, TTY 711.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- HHSC MEPD Handbook — Appendix IX, Medicare Savings Program information
- HHSC MEPD Handbook — Q-1300, MSP resource limits
- Medicare.gov — Medicare Savings Programs
- 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 and Social Security publish. Social Security sets your actual premium and any IRMAA, Texas Health and Human Services (HHSC) decides Medicare Savings 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 Medicare publishes the next year's figures.
Does Texas having no state income tax change any of these results?
No. IRMAA uses the income on your federal tax return, and the Medicare Savings Programs and Extra Help use their own income rules. Not paying a Texas income tax doesn't raise or lower any of these amounts.
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