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Two essential resources from Brian Penner — 21 years of Medicare expertise, delivered free.
The Alphabet Soup of Medicare — decoded in plain English by Brian Penner.
- Decode Parts A, B, C & D in plain English — no jargon
- Avoid costly enrollment mistakes that can't be undone
- Understand what Medicare does NOT cover (most people are shocked)
- Compare Original Medicare vs. Advantage side-by-side
Bridging the Gap Between You and Extended Care — presented by Brian Penner.
- 70% of people over 65 will need long-term care — Medicare covers only ~13% of those costs
- Discover plans with 100% liquidity, return of premiums + interest, and guaranteed rates
- Income tax-free payouts AND death benefits — use the money however you choose
- Protect your retirement savings from $89,000+/year nursing home costs
2026 Medicare IRMAA Calculator
Calculate your Income-Related Monthly Adjustment Amount. Your 2026 IRMAA is based on your 2024 Modified Adjusted Gross Income (MAGI) from the tax return filed in 2025. Standard Part B premium is $202.90/month in 2026.
IRMAA Calculator
Your 2026 IRMAA Estimate
Review your Medicare costs, IRMAA impact, and your options with a licensed local agent.
Schedule Your Free Medicare Review| 2024 Individual MAGI | Part B IRMAA | Total Part B Premium | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| Above $109,000 up to $137,000 | $81.20 | $284.10 | $14.50 |
| Above $137,000 up to $171,000 | $202.90 | $405.80 | $37.50 |
| Above $171,000 up to $205,000 | $324.60 | $527.50 | $60.40 |
| Above $205,000 and less than $500,000 | $446.30 | $649.20 | $83.30 |
| $500,000 or above | $487.00 | $689.90 | $91.00 |
| 2024 Joint MAGI | Part B IRMAA | Total Part B Premium | Part D IRMAA |
|---|---|---|---|
| $218,000 or less | $0.00 | $202.90 | $0.00 |
| Above $218,000 up to $274,000 | $81.20 | $284.10 | $14.50 |
| Above $274,000 up to $342,000 | $202.90 | $405.80 | $37.50 |
| Above $342,000 up to $410,000 | $324.60 | $527.50 | $60.40 |
| Above $410,000 and less than $750,000 | $446.30 | $649.20 | $83.30 |
| $750,000 or above | $487.00 | $689.90 | $91.00 |
| 2024 Individual MAGI | Part B IRMAA | Total Part B Premium | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| Above $109,000 and less than $391,000 | $446.30 | $649.20 | $83.30 |
| $391,000 or above | $487.00 | $689.90 | $91.00 |
Enrollment Penalties
Postponing enrollment can leave you at risk for penalties and decline of coverage in the future.
Coverage Delays
Gain peace of mind knowing your healthcare needs are securely addressed. Enroll in Medicare today and avoid unnecessary coverage delays.
Losing Guaranteed-Issue Rights
Protect your guaranteed-issue rights for Medicare by staying informed and taking timely action to avoid potential loss.
Travel Insurance
Let Medicare On Main Help!
If you have any questions about Medicare, please don’t hesitate to reach out to us. Brian Penner has been helping seniors for 18 years with their Medicare enrollment options.
Medicare Supplement (Medigap) plans can pay 80% of medically necessary foreign travel emergency care, after a $250 annual deductible is met, with a lifetime benefit limit of $50,000. This coverage is limited to emergencies that begin during the first 60 days of a trip outside the U.S. Original Medicare and generally do not cover foreign travel.
We recommend a separate travel insurance plan for international travel.
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