Medicare Plan Cost Estimator (2025 Estimates)
Use this calculator to get an estimated side-by-side comparison of potential Medicare costs based on your age, income, and health status. Remember, these are estimates, and actual costs can vary significantly.
Your Information
(Used for Part B & D IRMAA – generally income from 2 years prior)
(This influences estimated out-of-pocket costs)
(Enter 40 for no Part A premium)
Plan Specific Estimates
Provide some hypothetical figures for the plans you want to compare. For accurate figures, you’ll need to research actual plan costs in your ZIP code from official Medicare resources or licensed agents.
Standalone Part D Drug Plan:
(National average is often around $30-$60)
Hypothetical Medicare Advantage (Part C) Plan:
(2025 maximum is $8,850; average plans are lower)
Hypothetical Medigap Plan G (most comprehensive for new enrollees):
(Varies greatly by age, location, and insurer; often $150-$300+)
Hypothetical Medigap Plan N (lower premium, some copays):
(Varies greatly by age, location, and insurer; often $100-$250+)
Estimated Annual Costs Summary
Disclaimer: All figures provided are approximate estimates for 2025 based on publicly available information as of June 2025. Medicare costs, premiums, deductibles, and out-of-pocket limits can change annually. This calculator is for educational purposes only and should not be considered financial, legal, or medical advice. Actual costs will depend on your specific health needs, the exact plan you choose, and your geographical location. Always consult official Medicare resources (Medicare.gov), a licensed insurance agent, or a qualified financial advisor for personalized guidance. The “health status” figures are hypothetical simulations of medical utilization.