Topics
Costs & Savings
Premiums, deductibles, IRMAA surcharges and the programs that reduce them — what Medicare actually costs and where the savings are.
Medicare is not free. Part B has a monthly premium that rises with income, Part D plans charge their own, and each part has deductibles and cost-sharing. On the other side are programs — Extra Help, Medicare Savings Programs, Medigap — that shift or cap what you pay.
The figures change every year and most of them are set by rules you can plan around. The guides below explain each cost with its year attached, and the estimator turns them into a number for your situation.
Guides
All articles
How Much Does Medicare Cost in 2025? The Real Numbers
Get the real 2025 Medicare cost numbers — Part A and B premiums, deductibles, IRMAA surcharges, Part D costs, and how Medigap can fill the gaps.
5 Expensive Medicare Mistakes People Make (And How to Avoid Them)
Learn the 5 most common and costly Medicare mistakes — missing enrollment deadlines, ignoring plan reviews, and more — and what to do instead.
Decisions in this topic
- Medigap Plan F vs Plan GThe two letters differ by exactly one benefit — and whether you can even buy Plan F depends on when you became eligible for Medicare.
- Medigap Plan G vs Plan NBoth letters are federally standardized, so the benefits are identical no matter who sells them. The real difference is where the cost sharing sits.
