Age window
65
The usual Medicare sign-up point for most people.
Medicare and Medicaid
Health costs are not one line on the map.
Medicare, Medicaid, FEHB, IRMAA, supplements, drug coverage, and care costs can all point in different directions. Open the question in front of you, then carry the number into your map.
Part B 2026
$202.90
Standard monthly premium before IRMAA.
State rules
50
Medicaid is state-administered, so the state matters.
Start here if
Pick the health question that is already loud.
A health-cost question gets easier once the right program, premium, and care layer are named.
My Medicare bill feels too highStart with IRMAA, Part B, supplements, drug costs, and the ACA question.Go thereI am not 65 yetStart with the pre-Medicare bridge, employer coverage, COBRA, and Marketplace coverage.Go thereMedicaid may be part of careStart with dual eligibility, Medicare Savings Programs, Extra Help, and long-term care.Go thereI have FEHBStart with OPM, Part A, Part B, spouse coverage, GEHA or BCBS brochures, and Medicare Advantage.Go there
Read by health decision
Medicare, Medicaid, and FEHB need their own lanes.
Each answer names the program first. Then the map can show what the cost does to retirement.
Medicare costs
Medicare costs
Premiums, IRMAA, supplements, drug coverage, and the monthly number that lands in the map.
Medicare timing
Medicare timing
Age 65, enrollment windows, employer coverage, and the years before Medicare starts.
Medicaid and help programs
Medicaid and help programs
Dual eligibility, Medicare Savings Programs, Extra Help, and long-term care under state rules.
Federal retiree health
Federal retiree health
FEHB, Medicare Part A, Part B, Medicare Advantage, spouse coverage, and plan brochures.
Health tools
Run the health number, then bring it into the map.
These tools keep the Medicare and federal health pieces visible before they meet taxes, spending, and the state you model.
1 min
Medicare IRMAA calculator
Estimate Medicare Part B and Part D surcharges when income crosses IRMAA tiers.
Open tool2 min
FEHB + Medicare Coordinator
At 65: keep FEHB only, or layer in Medicare Part B and D? See lifetime cost across paths with Medicare surcharges included.
Open tool2 min
Federal Benefits Gap Analysis
McGregor framework: target vs. floor income, bridge vs. sustainability stages, and the Retirement Raise of deductions stopping.
Open toolCarry it forward
See health costs inside the full map.
Bring Medicare, Medicaid, FEHB, care costs, taxes, state choice, and spending into one readable retirement map.