Medicare enrollment date calculator
See your seven-month Initial Enrollment Period, your earliest coverage date, and your Medigap window.
Open the calculator →
Speak with a licensed insurance agent · TTY 711 Mon–Fri 10:00 AM – 5:00 PM
Eight calculators — four for Medicare, four for ACA and the Marketplace — answering the questions people ask first. Everything computes live in your browser from published plan-year figures; nothing you type is sent anywhere, including to us.
Dates, penalties and premiums — the questions that arrive with turning 65.
See your seven-month Initial Enrollment Period, your earliest coverage date, and your Medigap window.
Open the calculator →
See what going without drug coverage adds to your Part D premium — for as long as you keep it.
Open the calculator →
See whether your income adds a surcharge to your Part B premium — and how much.
Open the calculator →
Compare what each path could cost you in a typical year — and in a tough one.
Open the calculator →
Subsidies, eligibility and coverage decisions before 65.
Estimate your advance premium tax credit and what a benchmark plan might cost you each month.
Open the calculator →
Work out where your household income falls as a percentage of the federal poverty level.
Open the calculator →
Compare what COBRA would cost you against a subsidised Marketplace plan for the rest of the year.
Open the calculator →
Find out in about a minute whether a recent life event lets you enroll outside Open Enrollment.
Open the calculator →
Your job offers health insurance, but covering the family costs a fortune. Check whether your spouse and children can get a subsidised Marketplace plan anyway.
Open the calculator →
This is an estimate, not a quote. Estimates only. Figures on this page use published 2026 plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any advance premium tax credit are confirmed at enrollment on HealthCare.gov or with the carrier.
These calculators use example figures until you enter your own. Sarah can look up the real benchmark premium, the real plans, and your doctors — at no cost.
Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.
Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.
No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.
The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.
Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.
Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.
She stays your agent. If a prescription moves tier, a doctor leaves the network, or a letter arrives that makes no sense, you call the same number and speak to the same person.
Every autumn your plan gets reviewed before Open Enrollment, because plans change even when your health does not. On the calculators that matters as much as the original enrollment.
No. Most conversations happen by phone or video, which is faster for most people. If you would rather meet face to face, the office is at 3293 Harrison Blvd #213, Ogden — by appointment only, so call before you come.
Hours are 10:00 AM – 5:00 PM, Monday to Friday.
Yes. The whole site is available in Spanish and English, and appointments, paperwork and follow-up can be handled in Spanish from start to finish.
If you would rather talk in Spanish, say so when you call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) and it is handled that way from the first conversation.
The calculators on this site run entirely in your browser — nothing you type is sent anywhere, including to us.
If you contact us, your details are used only to help with your coverage. We do not sell or share your information with third parties for marketing.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086
Your choices are saved on this device.