Medicare Cost Calculator 2025

Estimate your annual Medicare expenses based on income, coverage choices, and expected healthcare usage.

Medicare Cost Estimator

Estimates 2025 Medicare costs based on income, coverage choices, and expected usage.

Annual Income (MAGI): $50,000

Affects Part B premium (IRMAA surcharges apply above $103,000)

Expected Hospital Days per Year: 0

Doctor/Outpatient Visits per Year: 12

Include Part D (prescription drug coverage, ~$55/mo avg)Include Medigap supplement (~$200/mo avg)

Estimated Annual Medicare Costs

Part B premium ($185.00/mo)$2,220

Part B deductible$257

Part B coinsurance (20% of covered)$309

Part D premiums$660

Total estimated annual cost$3,446

Part A is free for most people (40+ quarters of Medicare taxes). Actual costs vary by plan and location.

How this calculator works

This estimator uses 2025 Medicare premium and cost-sharing amounts published by the Centers for Medicare & Medicaid Services (CMS). Part B premiums are income-adjusted using the IRMAA brackets. Part A and Part B deductibles and coinsurance are applied based on your expected usage. Part D and Medigap premiums use national average estimates.

What is IRMAA?

IRMAA stands for Income-Related Monthly Adjustment Amount. If your income exceeds $103,000 (single) or $206,000 (joint), you pay a higher Part B premium. The surcharge is based on your income from two years ago — so your 2025 premium is based on your 2023 tax return.