Medicare Premium Calculator
Estimate Medicare monthly premium totals, including Part B, Part D, IRMAA, Medigap, and Advantage premiums.
This page is an editable estimator with realistic defaults so you can model your own situation in minutes.
Monthly premium total = Part A + Part B + Part D + IRMAA + Medigap + Medicare Advantage premium.
Treat the result as a planning estimate and verify important numbers with the relevant official source before acting.
| Part B default | 2026 standard Part B premium default is editable. | |
|---|---|---|
| IRMAA | Enter any income-related adjustment separately. |
Assumptions
- Premiums change by year, income, and plan.
- Confirm current costs with Medicare.gov, Social Security, and plan documents.
How this calculator works
Formula used
Monthly premium total = Part A + Part B + Part D + IRMAA + Medigap + Medicare Advantage premium.
Example calculation
Plug in your own numbers and the result updates instantly. Monthly premium total = Part A + Part B + Part D + IRMAA + Medigap + Medicare Advantage premium.
Medicare Premium Calculator FAQ
Is this medicare premium calculator an official quote?
No. It is an educational estimate only. Actual premiums, subsidies, claims, deductibles, underwriting, and eligibility depend on plan documents, insurers, federal and state rules, and personal facts.
Why might my real cost be different?
Location, age, income, household size, tobacco use, health status where allowed, insurer pricing, coverage level, deductibles, credits, surcharges, and policy exclusions can change real costs.
Should I verify this before buying coverage?
Yes. Confirm results with Medicare.gov, HealthCare.gov, your state Marketplace, licensed insurance professionals, plan documents, or a qualified advisor.