Estimate Your Medicare Costs
Compare Medicare premiums, deductibles, copays and expected healthcare expenses to get a clearer picture of what your coverage could cost throughout the year.
Choosing Medicare coverage involves more than finding the lowest monthly premium. The real question is how much you could spend on premiums, deductibles, copays, prescriptions and other healthcare expenses throughout the year.
The calculator below can help you estimate Medicare costs when comparing Medicare Supplement plans, Medicare Advantage plans or Original Medicare without supplemental coverage.
Want Help Comparing the Real Numbers?
Actual Medicare Supplement rates, Medicare Advantage benefits and prescription expenses depend on your coverage, location and personal circumstances.
Call or text The DeAngelis Agency at 215-967-8828, or contact our agency online. There is no charge and no obligation.
Important 2026 Medicare Costs
Some Medicare costs are established by the federal government. Medicare Supplement, Medicare Advantage and prescription plan costs vary by plan and location.
Standard Part B Premium
$202.90 per month in 2026Part B Deductible
$283 for 2026Part A Hospital Deductible
$1,736 per benefit period in 2026Most beneficiaries receive premium-free Medicare Part A. Higher-income beneficiaries may pay more than the standard Part B premium. These figures come from the official 2026 Medicare costs published by CMS.
2026 Medicare Cost Estimator
Enter the figures that apply to the coverage you are considering.
This calculator provides an educational estimate based on the amounts entered. It does not guarantee future healthcare expenses or benefits.
What Should You Include When Estimating Medicare Costs?
A meaningful estimate should include more than the advertised plan premium. Depending on your coverage, your expenses may include:
Medicare Supplement and Medicare Advantage Cost Differences
Medicare Supplement and Medicare Advantage coverage handle expenses differently. Comparing only their monthly premiums can be misleading.
| Cost Consideration | Medicare Supplement | Medicare Advantage |
|---|---|---|
| Monthly plan premium | Usually higher | Often lower; some plans have a $0 plan premium |
| Costs when receiving care | Generally more predictable, depending on the plan | Copays and coinsurance commonly apply |
| Provider access | Generally any provider nationwide that accepts Medicare | Provider networks and service-area rules may apply |
| Prescription coverage | A separate Part D plan is generally needed | Often included, but not in every plan |
| Annual review | Benefits are standardized by plan letter | Costs, networks and benefits can change annually |
Learn more by comparing Medicare Advantage and Medicare Supplement coverage.
Why the Lowest Premium May Not Produce the Lowest Cost
One plan may cost more each month but cover most eligible medical expenses. Another plan may have a lower premium but require copays for doctor visits, diagnostic testing, outpatient procedures and hospital care.
The lower-premium plan may cost less during a healthy year. During a year involving frequent specialist visits, testing or hospitalization, the result could be different.
A useful comparison should consider your premiums, healthcare usage, prescriptions, doctors, preferred hospitals, travel habits and comfort with variable expenses.
Frequently Asked Questions
How much does Medicare cost each month in 2026?
Most people pay the standard Medicare Part B premium of $202.90 per month in 2026. You may also pay a Medicare Supplement, Medicare Advantage or Part D premium.
Is Medicare Part A free?
Most people do not pay a monthly Part A premium because they or their spouse paid Medicare taxes for the required amount of time. Part A can still have deductibles and coinsurance.
Is a $0-premium Medicare Advantage plan free?
No. You generally continue paying your Medicare Part B premium. Deductibles, copays and coinsurance may also apply when you receive healthcare or fill prescriptions.
Are Medicare Supplement expenses more predictable?
Medicare Supplement plans can make eligible medical expenses more predictable by helping pay certain costs left by Original Medicare. Exact benefits depend on the standardized plan selected.
Does this calculator provide an exact Medicare quote?
No. It provides an estimate based on the figures entered. Actual premiums, benefits and healthcare expenses depend on your coverage and circumstances.
Schedule Your Medicare Consultation Today
Medicare can be confusing, but getting answers shouldn’t be.
Whether you’re enrolling for the first time, reviewing your current coverage, considering a plan change, or simply looking for a second opinion, I’m happy to help you understand your options and answer your questions.
I’ve been helping Medicare beneficiaries since 1985, and I’ve built my practice on straightforward advice, long-term relationships, and treating people the way I’d want my own family treated.
If you’d like to discuss your Medicare options, call or text The DeAngelis Agency at 215-967-8828.
There’s no pressure and no obligation—just honest guidance to help you make a confident decision.