Medicare Coverage Gap Analyzer
Identify potential coverage gaps when moving states, aging into Medicare, or transitioning from employer plans. Educational guidance for common transition scenarios — not medical or legal advice.
How this calculator works
- Maps common life events (job change, retirement, interstate move) to typical Medicare and ACA enrollment windows.
- Flags overlapping or missing coverage periods based on your stated transition date and current plan type.
- Does not access CMS, SSA, or carrier systems — outputs are planning prompts only.
- Cross-check results with Medicare.gov, your state DOI, and a licensed agent before changing coverage.
Frequently asked questions
What is a Medicare coverage gap?
A coverage gap occurs when you lose employer or marketplace coverage before Medicare begins, or when moving states leaves you without a valid plan in your new ZIP code.
Does this tool replace advice from a licensed agent?
No. This analyzer highlights common transition scenarios for educational planning. Always confirm enrollment windows and plan options with a licensed Medicare or health insurance agent.
When should I run this before a move?
Run it 60–90 days before your move date so you can coordinate Special Enrollment Periods, COBRA timelines, and Medicare Part B effective dates without a lapse.