All of my Medicare guides are free PDF files. There is no email box, no checkout, and no signup. Pick a guide, open it, then save the file or print it.
Each guide opens in a new tab, where it is easy to print.
Medicare decisions and annual reviews
The Turning-65 Medicare Checklist
Every deadline, in order.
For people nearing their 65th birthday who want the real Medicare deadlines, not another stack of marketing mail.
Still Working Past 65
The three coverage traps that cost real money.
For workers and spouses keeping employer coverage past their 65th birthday and trying to avoid the expensive mistakes.
What Medicare Actually Costs at Higher Incomes
IRMAA, plainly explained.
For higher-income households seeing IRMAA, Medicare’s income surcharge, for the first time.
Medigap or Medicare Advantage
The one decision that’s hard to undo.
For anyone choosing between Medigap and Medicare Advantage and wanting to understand why the choice can be hard to reverse.
Keeping Your Doctors
How to check every network before you commit.
For anyone who wants to check doctors, hospitals, and networks before choosing coverage.
Your Prescriptions Under the New $2,100 Cap
What changes for you.
For anyone who takes prescriptions and needs to see how the new 2026 $2,100 out-of-pocket cap changes the math.
A Second Look at Your Current Coverage
The reviewer’s checklist.
For people already on Medicare who want a plain checklist for reviewing their current coverage.
Higher income and IRMAA
These three guides go deeper on the income surcharge added to some Part B and Part D premiums.
The IRMAA Planning Guide
Medicare’s high-income surcharge.
For households planning ahead for IRMAA, including brackets, the two-year lookback, and questions to take to a tax professional.
Before You Sell the House or Convert That IRA
What a big income year does to your Medicare premiums.
For anyone expecting a one-time income jump, such as a home sale or Roth conversion, that could raise Medicare premiums.
The IRMAA Appeal Kit
Appeal Medicare’s income surcharge, step by step.
For people who received Social Security’s income-surcharge letter and want to appeal with Form SSA-44.
Why the kit is free for now. The IRMAA Appeal Kit sold for $29 until now. Its figures are 2026 figures, and they expire at year-end. I will not sell a document when the numbers are about to go stale. The 2026 Edition is free here through the end of the year. The updated 2027 Edition arrives in November at $29.
Open the IRMAA appeal packet (PDF, 15 pages)Yours to print, keep, and pass along.
Jason Baar · Fee-Only Medicare Advisor
www.JasonKnowsMedicare.com
I charge a flat fee for advice. I take no commissions from insurance companies, and I sell no insurance plans.
For printed copies: www.JasonKnowsMedicare.com/pages/free-medicare-guides · (850) 810-1000