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.
All fields update your estimate in real time.
Based on 2026 Part B premiums and IRMAA brackets.
Numbers only tell part of the story. Let's walk through what it means for you and whether anything's missing.
Short notes on how the numbers above are built, so you can read your estimate with context.
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.
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 (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.
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.
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.
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.
We'll talk through your situation, answer your questions, and help you understand the coverage options that fit your life.