Estimate Your Medicare Costs (2026)
Calculate your total Medicare costs including Part A, Part B, Part D, and Medigap premiums by income level.
Medicare Costs Breakdown (2026)
Part A (Hospital): $0 premium for most people (if you or spouse paid Medicare taxes 10+ years). Covers inpatient hospital stays with deductibles ($1,632 per benefit period in 2025). Part B (Medical): Standard premium $185/month (2026 est.). Covers doctor visits, outpatient care, preventive services. 80/20 cost sharing after $240 annual deductible. Part D (Prescription): $30-90/month depending on plan. Covers medications with varying copays and a coverage gap.
IRMAA — The High-Income Surcharge
If your Modified Adjusted Gross Income exceeds $103,000 (single) or $206,000 (joint), you pay Income-Related Monthly Adjustment Amounts (IRMAA) — surcharges of $74-$444/month on top of standard Part B premiums. IRMAA is based on your tax return from 2 years prior. A one-time income spike (selling a home, Roth conversion, business sale) can trigger IRMAA — plan large income events carefully around Medicare enrollment.
Medicare cost calculator gets 18K monthly searches with $10-25 CPC. The audience (65+) is highly valuable to insurance advertisers. Medicare supplement and Advantage plan advertisers pay premium rates for this demographic. Traffic spikes during Annual Enrollment Period (October-December).
