Choose a calculator
IRMAA premium calculator
For Oklahoma retirees with an OTRS, state or other pension, required minimum distributions or a land or mineral-rights sale: enter your 2024 income to see your 2026 Part B premium and Part D surcharge, and how close you are to the next bracket.
Part D drug cap estimator
See what the $2,100 yearly cap on covered drug costs means for your prescriptions, how the Medicare Prescription Payment Plan spreads it out, and what you might pay with Extra Help.
Late enrollment penalty calculator
Estimate the Part B and Part D penalties for a late sign-up, and see how a SoonerCare Medicare Savings Program and Extra Help can take them away.
Savings programs screener
Check whether your income and savings fit QMB, SLMB or QI-1 through SoonerCare, or Extra Help through Social Security, using Oklahoma's 2026 limits.
How the calculators work
Each calculator reads the same 2026 figures that appear across this site: the amounts CMS and Social Security publish for Part B premiums, IRMAA brackets, the Part D out-of-pocket cap and the national base premium, and the Medicare Savings Program and Extra Help limits. When Medicare announces new amounts, the calculators change with them.
They give estimates, not decisions. Social Security sets your Part B premium and any income-related surcharge, OKDHS decides whether you qualify for a Medicare Savings Program, and Social Security decides Extra Help when you apply there. If a result is close to a limit, apply anyway: both agencies subtract some income, and leave out some property, before they compare what you have to the limit.
What is different in Oklahoma
- Oklahoma has a resource test for Medicare Savings Programs. OKDHS's Appendix C-1 sets the 2026 resource standard for QMB, SLMB and QI-1 at $9,950 for one person and $14,910 for a couple, the federal limit Medicare.gov publishes (lower than the Extra Help limit). Your home and furnishings, your car and a prepaid funeral trust up to a set amount don't count. See Medicare Savings Programs in Oklahoma.
- Applying goes through Oklahoma Human Services. The Oklahoma Health Care Authority (OHCA) calls these programs SoonerCare Supplemental, and OKDHS decides eligibility. You can apply online through OKDHSLive or at an OKDHS Human Services Center, and OKDHS interviews you in person or by phone. Read SoonerCare and Medicare for how the two work together.
- Your federal return, not your Oklahoma return, drives IRMAA. Oklahoma has a state income tax, but Social Security uses only your federal MAGI. The taxable part of a pension from the Teachers' Retirement System of Oklahoma (OTRS) or the state retirement system, required minimum distributions and Roth conversions all count. See state and teacher retirees and Medicare.
After you run the numbers
A calculator can tell you what a rule costs; it can't tell you which plan fits your doctors and prescriptions. For the full picture of 2026 amounts, see Medicare costs in 2026, and for what CMS has published for next year, Medicare costs in 2027. To see Medicare Advantage and Part D plans offered where you live, you can see plans for your ZIP code. To talk it through with a licensed insurance agent who works with Benefits Life, you can request a call from a licensed insurance agent.
Sources
- CMS — 2026 Medicare Parts A & B premiums and deductibles
- Oklahoma Human Services — Appendix C-1, Maximum Income, Resource, and Payment Standards (Schedules VI, VII and VII.A), revised July 1, 2026
- Oklahoma Human Services — Help paying Medicare costs
- Oklahoma Human Services — Program FAQs (OKDHSLive and interviews)
- Oklahoma Health Care Authority — SoonerCare Supplemental
- Medicare.gov — Medicare Savings Programs
- Social Security — Extra Help with Medicare prescription drug costs
Frequently asked questions
Are these calculator results official?
No. They are estimates built on the 2026 amounts Medicare and Social Security publish. Social Security sets your actual premium and any IRMAA, Oklahoma Human Services (OKDHS) decides Medicare Savings Program eligibility for SoonerCare, and Social Security decides Extra Help when you apply there.
Do I have to enter my name or contact details?
No. The calculators run in your browser, ask only for numbers, and don't send or store anything you type.
Which year's figures do the calculators use?
The 2026 amounts: the $202.90 standard Part B premium, the 2026 IRMAA brackets, the $2,100 Part D out-of-pocket cap, and the 2026 Medicare Savings Program and Extra Help limits. We update them when CMS publishes the 2027 Part B premium and IRMAA brackets.
Does Oklahoma's state income tax change any of these results?
No. IRMAA uses the income on your federal tax return, and the Medicare Savings Programs and Extra Help use their own income rules. Your Oklahoma state return, and any Oklahoma deductions or exemptions on it, don't raise or lower these amounts.
Medicare in your Oklahoma county
Plans, local agents and help, county by county: Oklahoma · Tulsa · Cleveland · Canadian · Comanche · Rogers · Wagoner · Payne · Pottawatomie · Creek · Muskogee · Garfield · Grady · Washington · Logan · Bryan · Le Flore · Carter · Cherokee · McClain · All 77 counties →
