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Calculate Medicare Part B, Part D, Medigap premiums, and IRMAA surcharges based on income. Project lifetime healthcare costs in retirement.
Estimate Medicare Part B, Part D, Medigap, and IRMAA surcharges.
Plan G most popular (F closed to new enrollees)
Total Monthly Cost
$384.70
Annual: $4,616.40
Part B
$174.70
Part D
$35.00
Medigap
$175.00
Lifetime Cost (20 years)
$137,468
Includes 4% annual inflation
| Year | Age | Annual Cost | Cumulative |
|---|---|---|---|
| 1 | 65 | $4,616 | $4,616 |
| 2 | 66 | $4,801 | $9,417 |
| 3 | 67 | $4,993 | $14,411 |
| 4 | 68 | $5,193 | $19,603 |
| 5 | 69 | $5,401 | $25,004 |
| 6 | 70 | $5,617 | $30,620 |
| 7 | 71 | $5,841 | $36,462 |
| 8 | 72 | $6,075 | $42,537 |
| 9 | 73 | $6,318 | $48,854 |
| 10 | 74 | $6,571 | $55,425 |
| 15 | 79 | $7,994 | $92,437 |
| 20 | 84 | $9,726 | $137,468 |
Medicare isn't free. Between Part B premiums, Part D drug plans, and Medigap supplements, costs can add up. High earners must also factor in IRMAA surcharges.
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