Medicare Cost Simulator and Calculator for 2026
Last updated: July 2026 · Figures verified against CMS.gov and Medicare.gov as of July 2026.
Wondering what your Medicare costs will be in 2026? Our free Medicare Simulator gives you an instant estimate based on your income, enrollment status, and coverage type. No sign-up, no email — just a fast, accurate projection of your premiums, IRMAA surcharges, and total annual costs.
Start Your Free 2026 Medicare Simulation2026
Medicare Costs
Part B
Premium
IRMAA
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What You Can Estimate With This Medicare Simulator
This Medicare Simulator uses the latest 2026 Medicare cost projections to give you a clear and accurate cost estimate. It combines income-based pricing, IRMAA brackets, and coverage options to show how different decisions affect your total spending.
2026 Part B Premiums
Calculate your monthly Part B premium based on income
IRMAA Surcharges
See Part B & Part D surcharges for your income tier
Part D Premium Estimates
Estimate prescription drug coverage costs
Advantage vs. Medigap
Compare total costs for both coverage paths
Total Annual Medicare Spending
Get a comprehensive view of your estimated yearly Medicare costs
2026 Medicare Cost Simulator
Enter your information to estimate your 2026 Medicare premiums, IRMAA surcharges, and total annual costs.
Simulate Your Medicare Advantage vs. Medigap Costs
The simulator also helps you compare total estimated spending for Medicare Advantage plans versus Medigap + Part D. This includes premiums, IRMAA tiers, and estimated out-of-pocket costs.
For Deeper Guidance
How Medicare Costs Are Calculated for 2026
Your 2026 Medicare costs depend on several factors including income level, tax filing status, plan selection, and drug coverage choices. IRMAA surcharges may apply if your income is above the 2026 thresholds. This simulator uses the official cost projections and IRMAA tiers to estimate what you'll pay.
Frequently Asked Questions
How does the Medicare Simulator work?
It estimates your 2026 Medicare costs using current federal formulas, expected Part B and Part D premiums, and your income bracket. No personal data is collected.
Is the Medicare Simulator free?
Yes — completely free. No email, account, or sign-up required.
Does the Simulator include IRMAA surcharges?
Yes. If your income is above the 2026 IRMAA thresholds, the simulator automatically includes your projected IRMAA surcharge.
Can I use this if I'm not enrolled yet?
Yes. It works for both current beneficiaries and people planning to enroll in 2026.
How accurate is the estimate?
It uses official government ranges and historical cost patterns to project 2026 premiums, giving you a close estimate of what you'll pay.