Medicare Cost Calculator 2026: what will you actually pay?
Premiums are only part of the bill. Estimate your total 2026 Medicare cost — Part A, B and D premiums at the official CMS rates, IRMAA income surcharges, and your out-of-pocket exposure under Medigap or Medicare Advantage.
Estimate your 2026 Medicare cost
Pick your coverage path and income tier. Premiums use the official CMS 2026 rates; results update as you change inputs.
| Cost item (2026 rates) | Per month | Per year |
|---|
Assumptions: premiums and deductibles are the official CMS figures for 2026 (Part B standard premium $202.90/mo, deductible $283; Part A deductible $1,736 per benefit period; Part D maximum deductible $615 and a $2,100 out-of-pocket cap). Out-of-pocket figures are illustrative scenarios, not predictions: with Medigap Plan G you pay the $283 Part B deductible plus drug cost-sharing (light ≈ $150, typical ≈ $600, heavy = the $2,100 cap). With no supplement, cost-sharing assumes roughly $3,000 / $10,000 / $40,000 of Part B services at 20% coinsurance (light / typical / heavy), plus one Part A deductible in a heavy year — and it has no cap. Medicare Advantage scenarios assume roughly $300 / $1,200 / $5,000 of copays, under the 2026 in-network out-of-pocket maximum of $9,250. Medigap, Part D and Advantage premiums vary by ZIP code, age and plan; 10-year totals simply repeat 2026 rates and ignore future premium increases, which historically run several percent a year.
Sources: CMS, “2026 Medicare Parts A & B Premiums and Deductibles” fact sheet (Nov 2025); CMS 2026 Part D and Medicare Advantage rate announcements. Compare actual plans for your ZIP code at medicare.gov.
Part B premiums are usually deducted straight from your Social Security payment. Estimate your benefit at 62, 67 and 70 with the official 2026 formula.