Medicare Costs by Plan Type
See exactly what you'll pay with each Medicare option in 2026. Compare premiums, deductibles, copays, and total out-of-pocket costs side by side.
What You'll Pay: Three Scenarios
Your total Medicare costs depend on which coverage path you choose. Here's a realistic breakdown of each option:
Original Medicare Only
High RiskNo Supplemental Coverage
Part B premium only
$202.90
Out-of-pocket maximum
No limit
Original Medicare ++ Medigap G ++ Part D
Low RiskMost Comprehensive Option
Part B + Medigap + Part D
$361 – $481
Part B deductible only
~$283
Medicare Advantage (Part C)
Medium RiskAll-in-one Alternative
Part B + MA premium
$202.90 – $335
In-network OOP max
$9,250
Ways to Lower Your Costs Within Your Chosen Path
Once you've picked a coverage path, these two strategies matter most:
Compare Medigap Rates Annually
The same Plan G can cost 40% more from one company vs. another. Always compare at least 3-5 carriers. Rates vary by company, age, gender, and ZIP code.
Consider High-Deductible Plan G
If you're healthy, HD Plan G costs $40-80/month vs. $130-250 for regular Plan G. You'll pay a $2,950 deductible, but the premium savings often exceed the deductible risk.
Looking for income-based assistance programs like Medicare Savings Programs or Extra Help? See all ways to save on Medicare costs.
IRMAA Applies to Every Path Above
Every coverage path above assumes the standard Part B premium. If your modified adjusted gross income exceeds $109,000 (single) or $218,000 (married), you'll pay a surcharge on top of every scenario shown, regardless of which path you choose.
See the full 2026 IRMAA bracket tableFrequently Asked Questions
Get a Personalized Cost Estimate
Your actual Medicare costs depend on your location, health, medications, and income. Our licensed agents can give you a personalized cost breakdown at no charge.