Medicare Path Chooser
Original Medicare with a Medigap, or Medicare Advantage? Rank the paths for your situation — and mind the enrollment windows.
Your profile
Priorities
Health profile
Your situation
Add anything above to see your matches.
How these results work
Everything you add to your profile is evidence: each ranked priority adds weight toward the paths it genuinely fits — your #1 counts most, #2 half, #3 a third — health-profile picks sharpen it, and hard lines hide paths entirely, with the reason stated.
A second axis, Access, carries the domain’s defining gate: Medigap is guaranteed-issue only in your initial window, so where you stand relative to enrollment changes what’s realistically open to you.
Every path shares one baseline: the Part B premium ($202.90/month standard in 2026, with a $283 annual deductible; higher incomes pay IRMAA surcharges starting around $109,000 single / $218,000 joint).
Drug coverage (a standalone Part D plan or a bundled Advantage plan) now caps your annual out-of-pocket drug spending — $2,100 in 2026. The old “donut hole” is gone.
This compares the paths, not specific plans — county-level plan details belong to Medicare.gov’s Plan Finder and your free SHIP counselor.
Scores are computed instantly in your browser. Your answers are saved to your account only if you sign in; otherwise they stay on this device.
Educational only — not insurance advice; plans vary by county and rules by state. Free unbiased help: your SHIP counselor. Scores are computed in your browser; answers are saved to your account only if you sign in.