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Estimator
Medicare Monthly Cost Estimator
Rough monthly estimate for 2025 using current CMS figures. This is not a quote — actual premiums vary by carrier, plan, and ZIP code.
Estimated monthly total
$310 – $440
IRMAA bracket: Standard · Standard Part B: $185
Part B (yours)$185
Medigap (Plan G est.)$110 – $220
Part D (drugs + any IRMAA surcharge)$15 – $35
Estimate based on 2025 CMS figures. Medigap premiums vary by age, ZIP, and carrier — Plan G in most Steele Choice states typically falls in this range for age 65–72 non-smokers. Advantage premiums vary widely; many plans are $0. This is not a quote or a plan recommendation.
See all 2025 IRMAA brackets
| Tier | Single MAGI ≤ | Joint MAGI ≤ | Part B | Part D add-on |
|---|---|---|---|---|
| Standard | $106,000 | $212,000 | $185 | + $0.00 |
| Tier 1 | $133,000 | $266,000 | $259 | + $13.70 |
| Tier 2 | $167,000 | $334,000 | $370 | + $35.30 |
| Tier 3 | $200,000 | $400,000 | $481 | + $57.00 |
| Tier 4 | $500,000 | $750,000 | $592 | + $78.60 |
| Tier 5 | — | — | $629 | + $85.80 |
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