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? Compare the two main paths below. Higher earners should also add their IRMAA surcharge.
Estimated annual cost
Enter your details to see an estimate.
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?
No — it’s an estimate. Medigap premiums vary by insurer and age, and Advantage out-of-pocket depends on your care and network. Use it to compare the two paths, then call us for exact plan quotes.
Does it include IRMAA?
No. If your income is above the threshold, add your IRMAA surcharge from the IRMAA calculator to the Part B (and Part D) figures here.
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.