Aftura IQ
Step 1 of 5

How long is your runway before Medicare?

Start with age and timing. The tool maps Medicare questions, not plan recommendations.

Bridge months36

If work stops before 65, the bridge months are where health coverage can become a retirement-paycheck issue.

Step 2 of 5

What might cover the gap?

Choose the broad source you would expect if work changes before Medicare.

36 months appear between the planned retirement age and age 65. You are not sure which coverage bridge applies yet. That uncertainty is worth resolving before a retirement date feels final.

Step 3 of 5

What monthly cost should we screen?

Medicare has fixed starting points and variable costs. This step only organizes the basics.

2026 standard Part B$202.90/mo
Household Part B start$202.90/mo

Part D, supplemental coverage, deductibles, prescriptions, and out-of-pocket costs can vary.

Step 4 of 5

Could income affect premiums?

Enter income for premium-threshold awareness, then choose the Medicare question that feels most important right now.

First 2026 IRMAA threshold shown here: $218,000.

36bridge months
Snapshot complete

Here is what stands out.

A simple Medicare timing, cost, and income-premium screen. It is not advice or an enrollment recommendation.

Coming into viewYour main issue is the coverage gap coming into view.

The screen shows 5 years until Medicare and 36 bridge months if retirement starts at the age entered. This is close enough to start treating health coverage as part of the retirement-paycheck picture.

Next calculatorOpen the RetireIQ calculator.

Use RetireIQ to look at the broader retirement-income picture after you understand the Medicare timing basics.

Open RetireIQ
1You may have a coverage gap before 65.

36 months appear between the retirement age entered and age 65. With Medicare 5 years away, this is becoming a concrete planning item.

2Medicare still has monthly and variable costs.

The 2026 standard Part B starting point shown here is $202.90/mo for the household members entered, before plan choice, drug coverage, deductibles, coinsurance, and supplemental costs.

3Income appears below the first premium threshold.

The income entered is below the first 2026 IRMAA threshold shown here: $218,000. Future income changes could still matter.

Official 2026 cost starting points

Part B premium$202.90/mo
Part B deductible$283
Part A hospital deductible$1,736
Things to clarify before relying on the snapshot
  • A pre-65 coverage bridge may need to cover the months between work ending and Medicare eligibility.
  • Coverage source is still unclear, which can make the retirement date feel less reliable.
Inflation lens

Medical costs can move differently from headline inflation, so the useful planning question is how health expenses fit inside the retirement paycheck over time. Open the inflation calculator

Medicare.gov costsSSA IRMAAHealthCare.govCMS projectionsBLS medical CPI
Ready for the bigger picture?Open RetireIQ
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Educational estimate only. Uses public Medicare.gov, SSA, HealthCare.gov, CMS, and BLS source categories. No Medicare plan, tax, legal, insurance, or financial recommendation is provided.Privacy PolicyTerms and ConditionsContact Us