Medicare
Cost Estimator
This estimator adds up your yearly Medicare cost by path. Everyone pays the Part B premium ($202.90/mo in 2026); on top of that, Original + Medigap + Part D is predictable, while Medicare Advantage trades a lower premium for variable out-of-pocket costs. Adjust the inputs to fit your situation.
Wondering what Medicare will actually cost you? Adjust the inputs to match your situation and compare the two main paths side by side.
Monthly & Annual
See premiums broken down by month, then rolled up to your total for the year.
Two Paths Compared
Original Medicare + Medigap + Part D, side by side with Medicare Advantage.
Based on the 2026 Premium
Estimated against the 2026 standard Part B premium of $202.90.
IRMAA Not Included
Higher earners should add their surcharge from the IRMAA calculator.
Estimated annual cost
Enter your details to see an estimate.
What You'll See
A clear breakdown of your estimated monthly and annual Medicare costs.
Monthly Premiums
See what you'll pay each month across Part B, Part D, and your plan.
Annual Deductibles
View the deductibles built into Part B and Part D for the year.
Total Annual Cost
Get your estimated total yearly cost, path by path.
Side-by-Side Options
Compare Original + Medigap against Medicare Advantage to find your fit.
Weighing the two paths? See Medicare Supplement vs Medicare Advantage, or the High-Deductible Plan G option for lower premiums.
Frequently Asked Questions
Is this exact?
Does it include IRMAA?
Sources
- Medicare costs at a glance — Medicare.gov
Talk to a local, licensed agent
Rocco DeLuca can walk you through your options — free, no pressure.