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Medicare Cost Estimator 2026

Estimate your monthly premium and annual out-of-pocket costs using 2026 CMS amounts. For planning only — not a quote.

Which type of Medicare are you considering?
How do you file your taxes?

IRMAA is based on your tax return from 2 years ago.

$/mo

We'll apply the new 2026 cap so your yearly drug cost never exceeds $2,100.

Only applies to Original Medicare

Original Medicare

Estimated monthly premium

$237

Per month

Estimated annual out-of-pocket

$2,619

Beyond premiums

Monthly breakdown

Part B premium
$203
Part D premium
$35

You may be able to pay far less.

At this income, you might qualify for Extra Help — a federal program worth about $5,300 a year on prescriptions.

See the free Extra Help guide →Check if you qualify →

Ready for a real quote based on your ZIP code and doctors?

Call 1-877-443-3251 to talk it through with a licensed insurance agent

Estimates use 2026 CMS standard amounts. Your actual costs depend on plan selection, location, and health needs. Medigap and Medicare Advantage figures are planning averages, not quotes.

Embed this tool on your site

Copy the code below to add this free tool to your own page. Keep the attribution link — it tells your readers where the tool comes from.

<iframe
  src="https://my65playbook.com/embed/cost-estimator"
  title="Medicare Cost Estimator"
  width="100%"
  height="1000"
  style="border:0;max-width:100%;"
  loading="lazy"
></iframe>
<p style="margin:8px 0 0;font:14px/1.4 system-ui,sans-serif;">
  <a href="https://my65playbook.com/tools/cost-estimator" target="_blank" rel="noopener">Medicare Cost Estimator</a> — a free tool from My65 Playbook
</p>