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Estimator
How Medicare Monthly Costs Add Up
Educational reference using historical 2025 CMS figures, not current amounts and not a 2027 estimate. 2026 amounts are higher (for example, the 2026 Part A hospital deductible is $1,736). 2027 national Part B and IRMAA amounts are not yet published, so they are not verified here. Talk with Logan for current numbers.
Illustrative monthly total (2025 figures)
$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
Illustration based on historical 2025 CMS figures, not current amounts. 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 the historical 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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