Free calculator
Medicare Monthly Cost Estimator
Medicare cost depends on the path you choose. This tool estimates a monthly total for the two common approaches: Original Medicare + Medigap + Part D, or Medicare Advantage. The standard Part B premium is about $185/mo in 2025 (higher at high incomes).
Your estimate
$385
Estimated monthly total
Your estimated Medicare cost is about $385/mo ($4,620/yr) on this path — before out-of-pocket care costs.
- Part B premium
- $185
- Medigap premium
- $160
- Part D premium
- $40
- Estimated monthly total
- $385
- Estimated annual total
- $4,620
An estimate, not a quote. A licensed advisor can price real plans for your household.
Get matchedThis is an educational estimate, not a quote or medical or financial advice. Actual costs depend on your specific plan, state, age, and health. Figures use published federal tables and typical market ranges as of 2026-01-15.
Next step
Ready to price real plans?
A licensed advisor can turn these estimates into actual options where you live. Free, no obligation.
- Free to use
- No obligation
- A licensed advisor confirms real prices
Questions
Frequently asked questions
Is Medicare free at 65?
Part A is usually premium-free if you paid Medicare taxes long enough, but Part B has a monthly premium (~$185 in 2025), and drug and supplemental coverage cost extra.
Advantage or Medigap — which costs less?
Advantage often has a lower monthly premium but uses networks; Medigap costs more monthly but offers predictable, nationwide coverage. Total cost depends on how much care you use.
Sources
- Medicare.gov — the official U.S. government Medicare site · reviewed 2026-01-15
- Centers for Medicare & Medicaid Services (CMS) · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15