Free tool
Could my state help pay my Medicare premium?
Four programs quietly pay the Part B premium, and some pay deductibles and copays too. Around half the people eligible never apply. Check where you land.
What this can't do: Federal limits only. Many states are more generous, so this never tells you no.
Why so few people who qualify ever apply
These programs are quiet. Nobody is advertising them, because there's no commission in helping someone get their premium paid by the state. So they get discovered by accident, usually years late, usually by someone who's been going without something else to cover the $202.90.
The strongest of them, QMB, does more than the premium. Once you're in it, providers are not allowed to bill you for Medicare-covered services at all: no deductible, no coinsurance, no copays. If you're getting bills you can't pay, that's the program to ask about by name.
Applying costs nothing, and being turned down costs nothing either. The only thing that's expensive here is assuming you wouldn't qualify.
Nothing you type here leaves your device
This tool runs entirely inside your own browser. What you enter is never sent to us, never stored, and never shared. You can disconnect from the internet after the page loads and it will still work. That is deliberate: we tell people never to hand their Medicare number to a website, so this site had better not be one that asks.
Where these numbers come from
- Medicare.gov — Medicare Savings Programs (2026 limits)
- SSA — Extra Help with Medicare prescription drug costs
- SHIP — free local counseling, state by state
These are the 2026 amounts. CMS usually publishes the next year's figures in mid-November and SSA in October; after that, check the source links before relying on a result.
Free, official help with your own decision
This tool does arithmetic on published rules. For a decision about your own coverage, use the official sources. They're free and they don't sell anything.
- Medicare.gov The official government site to compare plans and check coverage yourself.
- SHIP: free local counseling Your State Health Insurance Assistance Program: free, unbiased Medicare help.