Medicare Premium Estimator
2026 Medicare costs — estimate your monthly premiums including IRMAA surcharges
Which Medicare Parts Do You Need?
Note: Part A is premium-free for most beneficiaries (40+ work quarters). Medigap and Medicare Advantage are typically not used together.
Frequently Asked Questions
Are these 2026 Medicare rates confirmed?
These estimates are based on published 2026 Medicare IRMAA brackets and premium adjustments. The Part B base premium ($185.00) and Part D base premium ($36.78) are projections. Final rates are announced by the Centers for Medicare & Medicaid Services each November. Visit Medicare.gov for official current rates.
What if my income changes after retirement?
You can file an IRMAA appeal using Social Security form SSA-44. This is common after retirement, divorce, or loss of income. The Social Security Administration will use your current income rather than income from two years ago. Download the form at ssa.gov/forms/ssa-44.html.
Do I need Medicare Part B if I have other insurance?
It depends on your situation. If you have employer-sponsored insurance from current work, you may delay Part B without penalty. However, for most retirees, enrolling in Part B during your Initial Enrollment Period is recommended to avoid the lifelong late enrollment penalty (10% per year delayed).
Can I switch between Original Medicare and Medicare Advantage?
Yes, during the Annual Enrollment Period (October 15 to December 7 each year) and the Medicare Advantage Open Enrollment Period (January 1 to March 31). Switching from Medicare Advantage back to Original Medicare may require medical underwriting for a Medigap policy in some states.
Based on 2026 Medicare IRMAA brackets. Part A is premium-free for most beneficiaries. Actual costs vary by plan and location.