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Medicare Calculator

Estimate your Medicare premiums, potential subsidies, and out-of-pocket costs. Get a clear picture of your healthcare costs in retirement.

Medicare Cost Estimator

Estimated Monthly Premium

Your share of costs

$0

per month

Part A Premium$0
Part B Premium$0
Part D Premium$0
Supplement / Advantage$0
Premium Tax / IRMAA$0

Frequently Asked Questions

What are the different parts of Medicare?

Medicare has four parts: Part A (hospital), Part B (medical), Part C (Advantage), and Part D (prescription drugs). Each covers different services.

How much does Medicare cost?

Most get Part A free. Part B has a standard premium (higher for higher income). Part C and D premiums vary by plan.

When can I sign up for Medicare?

Sign up during your Initial Enrollment Period (3 months before to 3 months after your 65th birthday).

What is the Medicare Savings Program?

Medicare Savings Programs help low-income beneficiaries pay premiums. Eligibility is based on income and asset limits.

Should I buy Medigap coverage?

Medigap plans help cover gaps in Original Medicare. They can be beneficial for those wanting predictable out-of-pocket costs.

InsurToolยทEditorial review 2026-08-14

Estimates are prepared by the InsurTool editorial team from NAIC model-act references, state Department of Insurance rate publications, and carrier methodology disclosures, and reviewed for accuracy by a named editor before publication. This site is educational, not insurance, brokerage, or financial advice.

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