See what Medicare could cost you per month and per year in 2026. People with higher incomes pay extra for Part B and Part D (called IRMAA). Find out if that applies to you and how much it adds.
Your Medicare Profile
$
Medicare uses the income on your 2024 tax return (adjusted gross income plus tax-free interest, called MAGI) to set 2026 premiums. For a joint return, enter the total for both of you.
Costs shown are for one person. Married filing separately uses different income limits that this tool does not cover.
Most people get Part A free because they or a spouse paid Medicare tax for at least 10 years.
Medicare Advantage is a private plan that replaces Original Medicare. You still pay the Part B premium.
Extra insurance that pays costs Original Medicare leaves to you. It cannot be used with Medicare Advantage.
More options: enter your own plan premiums
$
$48 is a rough placeholder. Plan prices vary a lot, so enter your own plan's premium.
$
Leave empty to use rough estimates (Plan G $175, Plan N $130, Plan F $220, Medicare Advantage $45). Real prices depend on your age, plan and ZIP code.
2026 Cost Estimate
Estimated yearly Medicare premiums
$0
Part B premium
$0
per month
High-income extra (IRMAA)
$0
included in Parts B and D
Part D (estimate)
$0
per month
Medigap / Advantage
$0
per month, estimate
Not in the total: what you pay when you get care. In 2026 the Part B deductible is $283 a year, the Part A hospital deductible is $1,736 per stay, and Part D drug costs are capped at $2,100 a year.
Part A, Part B and IRMAA amounts are the official 2026 figures. Part D, Medigap and Medicare Advantage premiums are estimates you can change under "More options".