What Medicare
actually costs.
Part B, Part D, and Medigap supplements add to your monthly Medicare costs. Enter your income and coverage to estimate the total.
The question it answersWhat will Medicare actually cost me each month with Part B, Part D, and supplemental coverage?
Rules: United States. Tax year: models 2026 figures; check the assumptions before using it for another year. Privacy: runs in your browser. What you enter stays on your device unless you copy a share link, which puts your inputs in the link.
Get actual quotes at medicare.gov or through a licensed broker. Premiums vary by state, age, and carrier.
Healthcare is often the largest unplanned expense in retirement. These figures exclude dental, vision, hearing, and long-term care which Medicare does not cover verify×DON'T TRUST, VERIFYClaim: Original Medicare does not cover most dental, vision, hearing, or long-term care.Verify at: medicare.gov coverage ↗ Source 2 in the list belowMedicare Advantage plans may include some of these..
Estimate, not tax or legal advice. It applies the 2026 rules listed in the assumptions to the numbers you enter. Details this tool does not model can change the result.
What this tool assumes
- Part B premium is the 2026 standard $202.90 plus any IRMAA surcharge, set by MAGI from 2 years prior.
- Part D is the plan premium you pick plus the 2026 Part D IRMAA surcharge ($14.50 to $91.00 a month) when a Part D plan is selected. Real plan premiums vary by plan and region.
- If your drug coverage comes through a Medicare Advantage plan, set Part D to None: the Advantage figure is a premium average, and the Part D IRMAA surcharge (which such plans also carry) is shown in the warning but not added to the total.
- The $34.50 Part D and $14 Medicare Advantage figures are CMS 2026 national averages. The $60 enhanced Part D and the Medigap figures ($130 N, $170 G, $200 F) are rough site estimates, not published averages; Medigap prices vary widely by state, age and insurer.
- Medigap Plan F is sold only to people first eligible for Medicare before January 1, 2020.
- All figures are for one person. Married couples each pay their own premiums; the joint filing status only changes the IRMAA income thresholds.
- Married filing separately is not modeled. If you lived with your spouse at any point in the year, CMS applies a steeper table: a $446.30 Part B surcharge (plus $83.30 for Part D) above $109,000 and $487.00 (plus $91.00) at $391,000 and up[3].
- The 20-year figure holds today's premiums flat, with no premium growth.
Not financial, medical, or insurance advice. Estimates only.
HOW THIS IS CALCULATED
This tool runs entirely in your browser: no data is sent to any server. Monthly total = Part B + Part D + supplemental coverage. Annual = monthly × 12. The 20-year figure = monthly × 240, with no premium growth. The breakdown shows each piece and the total to the cent; the headline monthly, annual and 20-year figures are computed from the unrounded total and then rounded to the dollar.
- Part A: $0, the case for most people, since they or a spouse generally paid Medicare taxes for at least 10 years[1].
- Part B: the 2026 standard premium of $202.90 plus the IRMAA surcharge for the MAGI and filing status entered. 2026 surcharges: $81.20 above $109,000 single or $218,000 joint, $202.90 above $137,000 or $274,000, $324.60 above $171,000 or $342,000, $446.30 above $205,000 or $410,000, and $487.00 at $500,000 or $750,000 and up[3].
- Part D: the menu amount, $0, $34.50 (the CMS projected average 2026 stand-alone Part D premium[4]) or $60 (a rough site estimate for a richer plan), plus the 2026 Part D IRMAA surcharge when a plan is selected: $14.50, $37.50, $60.40, $83.30 or $91.00 a month at the same income tiers as Part B[3]. With Part D set to None, no Part D surcharge is added.
- Supplemental: the menu amount. Medicare Advantage uses $14, the CMS estimated average 2026 Medicare Advantage premium[4]. The Medigap figures (Plan N $130, Plan G $170, Plan F $200) are rough site estimates, not published averages. Plan F is only sold to people first eligible for Medicare before January 1, 2020[5].
Not modeled: deductibles, coinsurance, drug costs beyond the premium, late-enrollment penalties, and dental, vision or hearing care. Verify the methodology or inspect the source code in your browser's dev tools.
Where to go from here
Sources
Bracketed numbers and verify badges in the text link to these sources. Figures, rates and rules change: check each source’s date before acting on it.
- Medicare.gov (CMS), Costs. Checked 2026-09-26. ↩
- Medicare.gov (CMS), medicare.gov coverage ↩
- Centers for Medicare & Medicaid Services, 2026 Medicare Parts A & B Premiums and Deductibles. Checked 2026-09-26. ↩
- Centers for Medicare & Medicaid Services, Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2026. Checked 2026-09-26. ↩
- Centers for Medicare & Medicaid Services, Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare. Checked 2026-09-26. ↩
Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed