Retirement

Retirement Healthcare Decision Tool Calculator

A 10-question branching wizard for figuring out your Medicare / employer / Marketplace transition path, with a specific recommendation and notes tailored to your answers.

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How to use

Answer the questions as they appear — the wizard skips questions that don't apply to your path.
Review the result headline, summary, and 'notes & next steps' checklist.
Re-run to compare paths (e.g., what changes if you keep working past 65).

Assumptions & disclaimer

These calculators are educational. They use simplified models and the inputs you provide. Results are estimates and not personalized financial, tax, investment, or legal advice. Tax law, market behavior, and personal circumstances change — verify any assumption before acting on it, and consider working with a qualified professional for decisions that matter.

General guidance only — your plan's specific rules and IRS / SSA rules are the authoritative source.
Medicare enrollment rules are 2026-flavored; verify current Initial / Special Enrollment Period windows with the SSA.
HSA rules: enrolling in any part of Medicare disqualifies new HSA contributions (Part A applies retroactively up to 6 months).