Tool · Medicare cost estimator
Medicare Cost Compare
Estimate and compare annual out-of-pocket costs across Medicare Advantage, Original Medicare, Medigap, and Part D, using CMS 2026 national averages.
Estimated Annual Cost - Medicare Advantage
Age 65, national average, CMS 2026 data
Monthly Premium
$18
Annual Premium
$216
Deductible
$200
Est. Annual Total
$2,756
All Plan Types Compared
| Plan Type | Monthly | Deductible | Est. annual total |
|---|---|---|---|
| Medicare Advantage ← selected | $18 | $200 | |
| Original Medicare (A+B) | $185 | $257 | |
| Medicare Supplement (Plan G) | $155 | $0 | |
| Part D (Standalone) | $48 | $590 |
Note: These are national averages from CMS 2026 data. The estimated out-of-pocket figure assumes a typical member reaches about 60% of the plan's maximum out-of-pocket limit, your own spending depends on how much care you use. Actual costs also vary by county, insurer, and income (IRMAA surcharges apply above $103K individual / $206K joint). Always verify at Medicare.gov.
Frequently Asked Questions
What is the difference between Medicare Advantage and Original Medicare?
Original Medicare (Parts A and B) is fee-for-service government insurance. Medicare Advantage (Part C) is offered by private insurers and bundles hospital, medical, and often prescription drug coverage with additional benefits like dental and vision. Advantage plans have networks and copays; Original Medicare lets you see any Medicare-accepting provider.
Does this tool show exact costs for my plan?
No. This tool shows national average cost estimates based on CMS 2026 data. Actual costs vary by plan, county, income (IRMAA surcharges), and health care usage. Always verify costs at Medicare.gov or by calling 1-800-MEDICARE before enrolling.
What is the Part D donut hole?
The Medicare Part D coverage gap (donut hole) is the phase where you pay a higher share of drug costs. In 2026, the gap begins after $590 in total drug costs and ends when your out-of-pocket reaches $2,000. The Inflation Reduction Act is closing this gap progressively.
Are Medicare Supplement (Medigap) premiums shown accurate?
Medigap premiums vary widely by state, age, and insurer. Plan G, the most popular supplement for new enrollees, ranges from $100 to $300/month nationally. The estimate shown is a national median; your actual premium may differ significantly.
Data source: CMS Medicare Advantage Plan Finder 2026, CMS Part D National Average Bid 2026. For informational purposes only, not insurance advice.