435-260-3200
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Life is complicated. Insurance doesn't have to be.
3 Easy Steps to the Right Plan
Book Your Initial Review
You’ll meet with a member of our trained staff so they can get to know you and help define your needs.
Create Your Medicare Timeline
Together, we’ll create a specific plan to accomplish your Medicare goals.
Successfully Enroll in Medicare
Enrolling in the best Medicare plan based on your needs and budget, while avoiding costly enrollment penalties and coverage delays.
Book Your Initial Review
Meet with our team of experts so we can assess your specific needs and help build you a tailored plan.
Create Your Medicare Timeline
Together, we’ll create a customized plan that fits your budget and accomplishes your Medicare goals.
Successfully Enroll
Enroll in your best Medicare plan, while avoiding costly enrollment penalties and coverage delays.
Brian Penner
Licensed Insurance Broker
CEO - Medicare On Main
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2026 Medicare IRMAA Calculator
Calculate Your Income-Related Monthly Adjustment Amount
IRMAA Calculator
2026 IRMAA Brackets - Filing Single / Head of Household / Qualifying Widow(er)
| 2024 Individual MAGI | Part B IRMAA | Total Part B Premium | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| $109,001 - $137,000 | $81.20 | $284.10 | $14.50 |
| $137,001 - $171,000 | $202.90 | $405.80 | $37.70 |
| $171,001 - $205,000 | $324.80 | $527.70 | $61.00 |
| $205,001 - $500,000 | $446.60 | $649.50 | $84.20 |
| Above $500,000 | $487.00 | $689.90 | $91.00 |
2026 IRMAA Brackets - Married Filing Jointly
| 2024 Joint MAGI | Part B IRMAA | Total Part B Premium | Part D IRMAA |
|---|---|---|---|
| $218,000 or less | $0.00 | $202.90 | $0.00 |
| $218,001 - $274,000 | $81.20 | $284.10 | $14.50 |
| $274,001 - $342,000 | $202.90 | $405.80 | $37.70 |
| $342,001 - $410,000 | $324.80 | $527.70 | $61.00 |
| $410,001 - $750,000 | $446.60 | $649.50 | $84.20 |
| Above $750,000 | $487.00 | $689.90 | $91.00 |
2026 IRMAA Brackets - Married Filing Separately
| 2024 Individual MAGI | Part B IRMAA | Total Part B Premium | Part D IRMAA |
|---|---|---|---|
| $109,000 or less | $0.00 | $202.90 | $0.00 |
| $109,001 - $171,000 | $324.80 | $527.70 | $61.00 |
| $171,001 - $205,000 | $446.60 | $649.50 | $84.20 |
| Above $205,000 | $487.00 | $689.90 | $91.00 |
Higher retirement income can lead to IRMAA surcharges that significantly increase Medicare premiums. I work with clients who need a more detailed planning approach — coordinating Medicare, income strategies, and asset-based long-term care solutions designed to protect assets and create care funding. Please complete the form below so I can analyze your numbers ahead of time and provide meaningful, personalized recommendations during our meeting.
CLIENT INTAKE FORM
Income and assets that affect Medicare premiums (ballpark answers work):
INSURED:
Enrollment Penalties
Postponing enrollment can leave you at risk for penalties and decline of coverage in the future.
Coverage Delays
Gain peace of mind knowing your healthcare needs are securely addressed. Enroll in Medicare today and avoid unnecessary coverage delays.
Losing Guaranteed-Issue Rights
Protect your guaranteed-issue rights for Medicare by staying informed and taking timely action to avoid potential loss.
Travel Insurance
Let Medicare On Main Help!
If you have any questions about Medicare, please don’t hesitate to reach out to us. Brian Penner has been helping seniors for 18 years with their Medicare enrollment options.
Medicare Supplement (Medigap) plans can pay 80% of medically necessary foreign travel emergency care, after a $250 annual deductible is met, with a lifetime benefit limit of $50,000. This coverage is limited to emergencies that begin during the first 60 days of a trip outside the U.S. Original Medicare and generally do not cover foreign travel.
We recommend a separate travel insurance plan for international travel.
Industry News
Trusting An Experienced Insurance Agent for Your Medicare Needs: Why Brian Penner is Your Go-To Expert
“I felt like I was slammed into a plan that really doesn't meet my needs. I am not even sure if that insurance agent lived in the United States. I need someone I can trust. Not really sure if my doctors are in network or if my medications are covered.”
If the above statement sounds familiar, you need to contact
Navigating the complex world of Medicare insurance can be overwhelming. With a plethora of information from various sources, including TV ads, YouTube celebrities, and local agents, it's challenging to discern what's best for your unique needs. That's where the expertise of a local insurance agent becomes invaluable, particularly when it's someone as reputable as Brian Penner
Unmatched Local Expertise
Brian Penner, boasting over 87 five-star reviews, stands out as a beacon of reliability and personalized service in the realm of Medicare insurance. Choosing an agent like Brian means you're not just another number. You're an individual with specific medical, day-to-day, and financial considerations. Brian's commitment to understanding these unique aspects of your life ensures you receive guidance tailored to your specific needs.
The Balance Between Personalized Care and Diverse Options
In an era where some agents exclusively push Medicare Advantage plans or Medicare Supplements, Brian's approach is refreshingly balanced. He understands that everyone's health care needs, lifestyle requirements, and financial situations are diverse. This comprehensive understanding allows him to navigate between different plans, ensuring you get a solution that aligns with your personal circumstances.
Year After Year Consistency
One of the most significant advantages of working with Brian Penner is the consistency of service. Medicare needs can change year after year, and having a dedicated agent who understands your history and future needs is invaluable. Brian's commitment to serving his clients over the long term means he's there for you, adapting and responding to your evolving needs.
Beyond the Sales Pitch: Understanding Your Needs
While TV ads and online personalities might offer appealing pitches, they often lack the personalized understanding that a local agent like Brian can provide. Your health isn't a one-size-fits-all situation. Brian Penner recognizes this and works diligently to ensure that your Medicare plan is as individual as you are.
Easy Access and Convenience
Understanding the busy lives of his clients, Brian offers flexible contact options. You can reach him at 435-260-5156 for a more personal touch, or if you prefer the convenience of digital scheduling, booking an appointment online is just a few clicks away.
Conclusion
In conclusion, when it comes to Medicare insurance, the truth indeed lies somewhere in between the flashy TV ads and the generic online advice. It's in the personalized, attentive, and expert service provided by local agents like Brian Penner. With Brian, you're not just choosing a Medicare plan; you're choosing a partner who will understand and cater to your evolving needs year after year. Contact him today and experience the difference a dedicated local expert can make in navigating your Medicare choices. Browse new 2024 Medicare insurance plans here.
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We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE or your local SHIP office to get information on all of your options.