Medicare Cost Calculator
Estimate your total monthly Medicare premiums for 2026, combining Part A, Part B (with IRMAA), Part D and supplemental coverage.
Your Medicare cost depends on your work history (Part A), your income (Part B, through IRMAA), your drug plan (Part D), and whether you add Medigap or Medicare Advantage. Most people pay at least $202.90 a month for Part B, plus a Part D premium. Enter your details below for a monthly total.
Medicare is billed in several parts that add up differently for each person. This tool combines Part A, Part B, Part D and your supplemental coverage into one estimated monthly total. It uses the same formulas as our IRMAA and late enrollment penalty calculators.
Estimate Your Total Medicare Cost
Your Estimated Monthly Medicare Cost
Part A
Part B
Part D
Supplemental
Total Monthly Cost
Medicare Advantage often has no separate premium beyond Part B, but your actual costs depend heavily on how much care you use, through copays and coinsurance up to the plan's annual out-of-pocket maximum. This tool cannot predict that part. See our Medicare Advantage vs Original Medicare comparison for more on that choice.
Annual deductibles (not part of the monthly total above)
Part A deductible: $1,736 per benefit period (only applies if hospitalized) · Part B deductible: $283/year · Part D deductible: up to $615/year (varies by plan, some are lower or $0)
You pay these only when you use care. They are not monthly charges, so they are not in your total above.
| Part | 2026 premium | What changes it |
|---|---|---|
| Part A (hospital) | $0 for about 99% of people | $311 or $565 a month if you or your spouse have fewer than 40 quarters of work |
| Part B (medical) | $202.90 | Higher with income above $109,000 single or $218,000 joint (IRMAA). A late enrollment penalty also adds to it. |
| Part D (drugs) | Set by your plan | An IRMAA surcharge at higher incomes, and a penalty if you went without drug coverage |
| Medigap | Set by the insurer | Plan letter, age, state and insurer |
| Medicare Advantage | Often $0 beyond Part B | The plan you choose. You pay copays as you use care. |
What this total includes. The premiums you can predict: Part A if you owe one, Part B with any IRMAA, Part D, and a Medigap or Medicare Advantage premium.
What it leaves out. Deductibles and copays, which you pay only when you use care. In 2026 the Part A deductible is $1,736 per benefit period and the Part B deductible is $283 a year. Original Medicare has no yearly limit on out-of-pocket costs, which is why most people add Medigap or choose Medicare Advantage.
Ways to lower the total.
- If your income has dropped since the tax year Medicare is using, file Form SSA-44 to have IRMAA reduced.
- If your income is limited, a Medicare Savings Program can pay the Part B premium, and Extra Help lowers drug costs.
- Compare Part D plans each fall. Premiums and drug lists change every year.
CMS usually announces the next year's Part B premium and IRMAA brackets in November. This calculator will be updated when the 2027 figures are published. For a fuller walk-through, see how much Medicare costs at 65.
Frequently Asked Questions
How much does Medicare cost per month in 2026?
It depends on whether you have premium-free Part A, your income (which affects Part B through IRMAA), your Part D plan's premium, and whether you add Medigap or choose Medicare Advantage. Most people pay at least the standard $202.90 Part B premium plus a Part D premium.
Does Medicare Part A really cost nothing?
For about 99% of beneficiaries, yes, if you or your spouse worked and paid Medicare taxes for at least 40 quarters (10 years). Without that work history, Part A costs $311 or $565 a month in 2026, depending on your work credits.
Why is my Part B premium higher than the standard amount?
You probably owe an IRMAA surcharge based on your income two years earlier. Our IRMAA Calculator shows the bracket your income falls in.
Do I need Medigap or Medicare Advantage in addition to Original Medicare?
Original Medicare has no annual cap on out-of-pocket costs, so most people add a Medigap policy or choose a Medicare Advantage plan to limit them. Which one suits you depends on how you weigh cost against freedom to choose providers.
Does this calculator include copays and coinsurance?
No. It shows premiums and lists the standard annual deductibles. What you pay when you use care depends on your plan and your health needs.
What if I don't know my Part D plan's premium yet?
Compare plan premiums in the Plan Finder at medicare.gov. Enter your best estimate here to see its effect on your total.
This calculator gives a general estimate of premium costs based on 2026 Medicare figures. It is not financial advice. It does not include copays, coinsurance or Medicare Advantage cost-sharing, which depend on your plan and how much care you use. For your own costs, check your Social Security benefit statement, your Part D plan's pricing, and the terms of your Medigap or Medicare Advantage plan.