Senior · Medicare
2026 Medicare out-of-pocket.
Plug age + MAGI + coverage model. See annual out-of-pocket calibrated to the CMS-confirmed 2026 Part B premium ($202.90), full IRMAA bracket table, and Medigap vs MA tradeoff.
Advertisement
Inputs
65+ for eligibility (disability/ESRD exceptions exist).
IRMAA uses your modified adjusted gross income from 2 years prior.
>5 bumps Part D estimate.
Receipts
Annual out-of-pocket estimate
—
Monthly premium total
—
Part B monthly (with IRMAA)
—
Part D monthly (with IRMAA)
—
IRMAA tier
—
—
Advertisement
Estimate only — not medical or financial advice
- This is a planning estimate, not a quote. Confirm exact premiums + plan options with Medicare.gov or a SHIP counselor before enrolling.
- Medigap premiums vary by state and age — national Plan G average ($185/mo) used here. Your state's range may be $120–$300/mo.
- MA out-of-pocket modeled at midpoint ($4,500/yr); actual depends on network, drugs, and care intensity. 2026 MA OOP max is ~$9,350.
- Part B deductible $283 (2026) added to OOP. Coinsurance after deductible is mostly covered by Plan G (Medigap path).
- IRMAA tier uses your 2024 MAGI. You can appeal IRMAA if you had a life-changing event (retirement, divorce, death of spouse).
2026 IRMAA bracket reference
- Standard (no IRMAA): MAGI ≤ $109K single / $218K MFJ. Part B = $202.90.
- Tier 1: ≤ $137K / $274K. Part B = $284.10. Part D +$14.50.
- Tier 2: ≤ $171K / $342K. Part B = $405.80. Part D +$37.50.
- Tier 3: ≤ $205K / $410K. Part B = $527.50. Part D +$60.40.
- Tier 4: ≤ $500K / $750K. Part B = $649.20. Part D +$83.30.
- Tier 5 (top): > $500K / $750K. Part B = $689.80. Part D +$91.00.
- Sources: CMS 2026 fact sheet (Nov 14, 2025), Kiplinger + United Medicare Advisors verification. Last reviewed 2026-05-22.
Advertisement