Medicare enrollment dates
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Free · no email required · 2026 figures
Free tools · 2026 figures
Free Insurance Calculators for Arizona
17 calculators that answer the questions Arizonans ask first, from Medicare penalties to how much life insurance a family needs. Everything is worked out in your browser from published figures, and nothing you type is sent anywhere.
- 17 free calculators, no sign-up
- Everything runs in your browser
- Built on published figures, each one sourced
Medicare
Advantage, Supplement and Part D, compared for your doctors and prescriptions.
Part B penalty calculator
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
Free · no email required · 2026 figures
Part D penalty calculator
See what going without drug coverage adds to your Part D premium, for as long as you keep Part D.
Free · no email required · 2026 figures
IRMAA calculator
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
Free · no email required · 2026 figures
Medigap vs Advantage costs
Compare what each path could cost you in a typical year and in a heavy-use year.
Free · no email required · 2026 figures
Individual & Family Health
Marketplace plans and tax credits, short-term cover and HSAs for life before 65.
ACA subsidy calculator
Estimate your premium tax credit and what a benchmark Silver plan might cost you each month.
Free · no email required · 2026 figures
FPL calculator
Work out where your household income falls as a percentage of the federal poverty level.
Free · no email required · 2026 figures
COBRA vs Marketplace
Compare what COBRA would cost you against a Marketplace plan for the rest of the year.
Free · no email required · 2026 figures
Special Enrollment checker
Find out in about a minute whether a recent life event lets you enroll outside Open Enrollment.
Free · no email required · 2026 figures
Family glitch calculator
Your job offers health insurance, but covering the family costs a lot. Check whether your spouse and children can get a Marketplace tax credit anyway.
Free · no email required · 2026 figures
HSA tax savings calculator
See how much tax a Health Savings Account contribution could save you in 2026, within the IRS limits.
Free · no email required · 2026 figures
Life Insurance
Term, permanent and final expense cover sized to the people who rely on you.
Life insurance needs
Use the DIME method to estimate how much life insurance would protect the people who rely on you.
Free · no email required · 2026 figures
Final expense calculator
Add up funeral, cemetery and leftover bills to see how much final expense cover would spare your family.
Free · no email required · 2023 figures
Long-Term Care
Traditional and hybrid long-term care, and short-term care for the gap in between.
Long-term care planner
Project what care could cost when you might need it, and how much a daily benefit and benefit period would cover.
Free · no email required · 2026 figures
Retirement & Annuities
Turning savings into income you cannot outlive, and planning the move off work benefits.
Retirement income gap
Compare the monthly income you will need in retirement with what Social Security, pensions and other income will pay.
Free · no email required · 2026 figures
Social Security claiming age
Find your full retirement age and see your monthly benefit at every age from 62 to 70.
Free · no email required · 2026 figures
Social Security earnings test
Working while you collect before full retirement age? See how much of your 2026 benefit could be withheld.
Free · no email required · 2026 figures
Estimates only. Figures on this page use published 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 tax credit are confirmed at enrollment with the carrier or HealthCare.gov.
Want the real figures for your situation?
Calculators give you a feel for the numbers. Viola and the team in Chandler can look up the real plans, prices and rules that apply to you, at no cost.
Common questions
Are these insurance calculators free?
Yes. Every calculator is free, needs no sign-up, and runs in your browser. Nothing you type is sent to us or anyone else.
Which year are the figures from?
Medicare tools use the 2026 federal figures from CMS; the 2027 amounts are announced around November 2026. ACA and HSA tools use 2026 IRS and HHS figures. Each page lists its sources and year.
Are the results a quote?
No. They are estimates from published figures and the numbers you enter. Your actual premium and eligibility are confirmed when you apply.
Can I see real 2027 Medicare plans for my ZIP code?
Yes. Our plan finder shows 2027 Medicare Advantage and Part D plans from the CMS public files for your Arizona county, and Marketplace plans for under-65 coverage. Viola then checks your doctors and prescriptions with you.
Which calculator should I use if I am turning 65?
Start with the Medicare enrollment date calculator to see your seven-month window and earliest coverage date. If you are working past 65 or signed up late, the Part B and Part D penalty calculators show what a gap could cost, and the IRMAA calculator checks whether your income adds a surcharge. Then talk it through with us.
Can I use these calculators if I do not live in Arizona?
Mostly, yes. Medicare, Social Security and HSA rules are federal, so those results apply nationwide. A few notes are Arizona-specific, such as AHCCCS and the state income tax rate. Viola is licensed in other states too, so call (480) 300-5776 and we will confirm we can help where you live.
How often are the calculator figures updated?
Whenever a new official figure is published, and each tool shows the year its figures belong to. The 2027 Medicare amounts are expected around November 2026, and we update the Medicare tools then. ACA, HSA and Social Security figures are updated when HHS, the IRS and SSA release them.
Does it cost anything to go over my results with an agent?
No. There is no fee for our help. Agents are paid by the insurance companies, and your premium is the same whether you enroll with us or on your own. Call (480) 300-5776 or book a time through our contact page, and bring your calculator results with you.
Are the Social Security calculators official SSA tools?
No. They are planning tools from Rise Up Benefits Group, an independent agency, and they are not connected with the Social Security Administration. They use the formulas and limits SSA publishes. For your official figures, sign in to your my Social Security account at ssa.gov.
We speak insurance, so you don't have to.
Book a free, no-pressure review with Viola in Chandler, by phone or by video. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776