Medicare Cost Comparison Spreadsheet | IRMAA Bracket and Part D Planner for Excel and Google Sheets | Advantage vs Medigap True Annual Cost

The cheapest premium is rarely the cheapest year.

Every fall you are shown one number — the monthly premium — and asked to pick a year of your health care from it. The premium is a price. The plan is a cost, and the cost includes the deductible, the coinsurance, the drugs, and the surcharge that gets added to your Part B bill because of a tax return you filed two years ago. This file totals both paths to a year, so the comparison is finally between numbers that mean the same thing.

Annual Enrollment runs October 15 to December 7. Go in with the total, not the premium.

WHAT THE FILE FINDS — from the sample household that ships inside (Harold and Jean Whitaker are sample data, not customers)
· Original Medicare with Plan G costs $17,254.40 for the year no matter what happens. Medicare Advantage costs $10,492.40 in a healthy year and $18,452.40 in a bad one. A $6,762 spread — and the plan finder shows you neither figure.
· $2,296.80 of IRMAA a year, triggered by $1,299. Their AGI was $214,800, safely under the tier floor — until $4,500 of tax-exempt municipal interest was added back and the MAGI came to $219,300. Tax-free is not IRMAA-free.
· The next cliff is $54,701 away and costs $3,472.80 to cross. One dollar over the line, and the whole step lands.
· $78,252 of drugs at list price cost them $2,520, because the Part D out-of-pocket cap is $2,100 and the deductible is $615. The drug modeler shows where that cap actually bites.
· A $100,000 Roth conversion taken in 2028 arrives as $2,845.20 of premiums in 2030. IRMAA bills you on a two-year lookback, so this year's decision is a bill you have not yet seen.

WHAT'S INSIDE — 14 connected tabs
Start Here · Setup · Dashboard · Enrollment Timeline · Part A and Part B Costs · IRMAA Calculator · Coverage Path Comparison · Part D Drug Modeler · Medigap Plan Grid · Out-of-Pocket Tracker · Provider and Pharmacy Check · Multi-Year Projection · Key Dates and Penalties · Reference

Includes all six IRMAA tiers with the cliff analysis, the SSA-44 life-changing-event list, both late enrollment penalty calculators, a 30-drug Part D modeler, a 120-row out-of-pocket ledger, and a Reference tab that cites every CMS figure with its source and its as-of date.

WHAT YOU DOWNLOAD — one zip, eight files
· Medicare-IRMAA-Command-Center.xlsx — the main workbook
· Bonus Themes folder — the same workbook in Light, Dark and Editorial
· Quick-Start-Guide.pdf — 14 pages, start to finish in under five minutes
· ACCESS-YOUR-TEMPLATE.pdf — one click opens your own copy in Google Sheets
· README - Start Here.txt and LICENSE.txt

FOUR COLOR THEMES INCLUDED — Classic, Light, Dark and Editorial, same engine.

WORKS IN EXCEL AND GOOGLE SHEETS — one file, both engines. Open the xlsx in Microsoft Excel, or use the included one-click access PDF to make your own Google Sheets copy. No add-ons, no subscription, nothing that reaches out to the internet.

BUILT FOR THE 2027 NUMBERS BEFORE THEY EXIST
As of July 2026, CMS has not published a single 2027 figure — not the Part B premium, not the deductible, not the IRMAA brackets, not the Part D cap. So this workbook prints none of them, and instead leaves every 2027 cell as a cream input with the label "not published as of Jul 2026" and a note telling you exactly when and where the number appears: the COLA on October 14, 2026, the Part B premium and IRMAA brackets in mid-November 2026. Type in three numbers when they land and the whole file rolls forward. You are not buying a file that expires in November. You are buying one that updates.

HONEST ENGINEERING
2,471 formulas · recalculated clean · 807/807 independent math checks · every screen in this listing is the real file. No subscription. Free lifetime updates.

Harold and Jean Whitaker are shipped sample data, not customers — every screen works the moment you open it, and clears in one select-and-delete when you're ready for your own numbers.

PLEASE READ
This is a planning tool, not insurance, tax or financial advice, and it is not connected to or endorsed by Medicare, CMS or any insurer. Plan availability and pricing are county-specific and Medigap premiums are age-rated, so the plan rows are yours to fill in from your own quotes — the file will not invent a premium for you. Confirm everything at Medicare.gov, with your free state SHIP counselor, or with a licensed broker before you enroll, switch or drop coverage.

WATCH THE FULL WALKTHROUGH ON YOUTUBE: https://youtu.be/l-5F0Dqx3_Y

YOU MAY ALSO LIKE
· Tax Deduction Spreadsheet: https://www.etsy.com/uk/listing/4545423060/tax-deduction-spreadsheet-2026-tips
· Caregiver Planner Spreadsheet: https://www.etsy.com/uk/listing/4545413093/caregiver-planner-spreadsheet-eldercare
· Health Insurance Comparison Spreadsheet: https://www.etsy.com/uk/listing/4545249975/health-insurance-comparison-spreadsheet
· Annual Budget Spreadsheet: https://www.etsy.com/uk/listing/4524038302/annual-budget-spreadsheet-excel-google
· Bill Tracker Spreadsheet and Bill Calendar: https://www.etsy.com/uk/listing/4536272360/bill-tracker-spreadsheet-bill-calendar

Instant download · personal use · by NicheToolkits