Medicare 101
Medicare Costs Breakdown
Understanding what Medicare actually costs helps you plan. Part A is usually premium-free. Part B has a standard monthly premium (higher for high incomes via IRMAA). Part D and Medicare Advantage premiums vary by plan. For 2026, Part D includes a ~$2,100 out-of-pocket cap. Here's how the pieces add up.
What you'll pay
Budget for the Part B premium, any plan premium, deductibles, and copays up to your plan's max out-of-pocket. Higher earners pay an IRMAA surcharge on Parts B and D. We map your expected costs before you enroll.
Questions, answered
What is IRMAA?
IRMAA is an income-related surcharge added to your Part B and Part D premiums if your income is above set thresholds. We can estimate whether it applies to you.
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