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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.

InsurTool·Reviewed by Alice Zhang

Figures on this page are compiled by the InsurTool editorial team from NAIC and state Department of Insurance publications, the Insurance Information Institute, and carrier methodology disclosures. Every figure is checked against its cited source before publication; anything unverified is labelled as an estimate or left out. InsurTool is an educational resource — not insurance, brokerage, or financial advice.