Medicare Cost Calculator

Estimate your 2026 Medicare costs.

Answer a few questions and we'll walk you through what your monthly and annual Medicare costs might look like, including Part B, IRMAA, and the extras you might add on.

Educational estimate only. Not a quote or guarantee of coverage.

Your situation

All fields update your estimate in real time.

Used to look up your IRMAA bracket.
Medicare looks at your 2024 Modified Adjusted Gross Income to set your 2026 premiums. IRMAA kicks in above $106,000 (single) or $212,000 (married filing jointly).
Two broad paths with different cost structures. We explain both further down.
Medicare Supplement (also called Medigap) premiums for people turning 65 typically run around $120 to $200 per month, varying by plan letter, carrier, state, and age.
Standalone prescription drug plan premiums typically range from around $20 to $80 per month.
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Default estimates shown. Adjust the dollar amounts to match quotes you've seen.

Your estimated cost

Based on 2026 Part B premiums and IRMAA brackets.

Estimated monthly cost
$202.90
per person, per month
Annual: $2,434.80
Part B base premium $202.90
Part B IRMAA $0.00
Part D IRMAA $0.00
Medicare Supplement premium $150.00
Part D premium $40.00
Supplemental add-ons $0.00

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A few things worth understanding

Short notes on how the numbers above are built, so you can read your estimate with context.

What is Part B?

The outpatient side of Medicare: doctor visits, specialists, lab work, preventive care, and most medical equipment. In 2026, the base premium is $202.90 per month per person. Nearly everyone on Medicare pays Part B.

What is IRMAA?

Income-Related Monthly Adjustment Amount. If your income from two years ago was above certain thresholds, you pay extra on top of the base Part B premium (and Part D premium too). Thresholds and amounts are set by Medicare annually.

Medicare Supplement vs. Advantage

Medicare Supplement (also called Medigap) pairs with Original Medicare to cover deductibles and copays; you'll also need a standalone Part D plan. Medicare Advantage is a private all-in-one plan that usually bundles drug coverage. Each has trade-offs around monthly premium, out-of-pocket costs, networks, and doctor access.

Why income from 2 years ago?

Medicare uses the most recent tax return the IRS has on file. For 2026 premiums, that's your 2024 return. If your income has dropped since (retirement, divorce, loss of a spouse), you can file Form SSA-44 to request a lower IRMAA.

What about add-ons?

Supplemental products like Dental/Vision/Hearing, Hospital, Cancer, or Long-Term Care sit alongside your Medicare coverage. They're optional but common. The default numbers in this tool are typical ranges; actual premiums depend on carrier, age, and health.

What this tool is not

This is an educational estimate, not a quote. Actual premiums vary by ZIP code, carrier, specific plan, age, enrollment situation, and health. Nothing here is a guarantee of benefits. Verify current-year figures at Medicare.gov before making decisions.

Matt Klinger, Founder of Sunhaven Insurance Advisors
Matt Klinger
Founder · Licensed Health and Life Insurance Broker · NPN 21680419
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