Medicare Cost Estimator 2026

Which type of Medicare are you considering?

Original MedicareParts A + BMedicare AdvantagePart CCompare BothSide-by-side

How do you file your taxes?

SingleMarried, filing jointly

Your annual income (for IRMAA surcharge)

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

Include Part D drug coverage?

About how much do you spend on prescriptions each month?

$/mo

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

Include Medigap Plan G?

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 for free, no-obligation help

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.