What Will Medicare Actually Cost You?

Estimate your annual Medicare costs based on your plan type, income, and healthcare usage. Compare Original Medicare vs Medicare Advantage.

Use this free medicare cost estimator to get an instant, personalized estimate. Simply fill in the fields below and click the button — results appear immediately, no sign-up required.

All estimates are based on current industry averages and are intended as a planning guide. For an exact quote, consult a licensed professional in your area.

Medicare Cost Estimator

Medicare Plan Type

Original Medicare (Parts A + B)

Medicare Advantage (Part C)

Original + Medigap Supplement

Annual Individual Income ($)

Used to calculate IRMAA surcharges (higher incomes pay more for Part B & D).

Expected Healthcare Usage

Low — healthy, few doctor visits

Medium — 1-2 conditions, regular care

High — multiple conditions, frequent care

Prescription Drug Coverage (Part D)

Yes — I need regular prescriptions

No — I take few/no medications

Based on 2025 Medicare rates. IRMAA brackets and plan premiums change annually. Consult Medicare.gov or a licensed Medicare advisor for plan selection.

What Will Medicare Actually Cost You?

Medicare Cost Estimator

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