Not affiliated with AHIP/CMS/Medicare; educational only, not insurance advice
Calculate a planning timeline
Planning estimate: the local plan cites the official pages below but does not include their full rule text. Detailed date boundaries have not been reverified during this offline build. Confirm your dates with SSA / Medicare before changing contributions or coverage.
Tool entries are not stored or sent; they stay in this page’s memory. Clearing or refreshing removes the displayed entries. Your browser may retain autofill information independently. A saved PDF contains your entries; keep it private. Do not enter Medicare or Social Security numbers.
Print includes entries, results, assumptions and sources. Dates use YYYY-MM-DD. Entered dates are not coverage determinations.
A seven-month age-65 enrollment window
The planning rule uses three months before the eligibility-month anchor, the anchor month, and three months after. For a birthday on the first of a month, the anchor shifts to the previous month. This estimates the Initial Enrollment Period only; when coverage starts depends on when you enroll and your circumstances.
Example: a July 10, 1962 birthday gives April 1 through October 31, 2027. A July 1, 1962 birthday shifts the estimate to March 1 through September 30, 2027. February 29 birthdays use February as the birth month even when the age-65 year is not a leap year.
This tool excludes disability, ESRD and other eligibility paths. Automatic enrollment and delayed enrollment based on current-employment coverage need separate review. Use SSA’s official birthday tool to confirm your dates before acting.
Official sources
Planning reference as of Oct 11, 2026. Source URLs are from the local SEO plan; offline build, no live-source verification.