Free Educational Tool
Medicare & ACA Cost Estimator
See typical cost ranges in under a minute. This is an educational estimate, not a quote, application, or eligibility determination — actual costs depend on your ZIP code, income, age, and other factors.
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This Is an Educational Estimate, Not a Quote
These figures are general, educational estimates based on published 2025–2026 program parameters — they are not a quote, application, or eligibility determination. Actual premiums, costs, benefits, and eligibility depend on your ZIP code, age, income, tobacco status, carrier availability, enrollment timing, and other factors specific to you. This tool does not guarantee savings, does not guarantee eligibility, and does not recommend any specific plan or carrier.
Jenkins Insurance & Retirement is an independent insurance practice and is not connected with, endorsed by, or acting on behalf of Medicare, the Centers for Medicare & Medicaid Services (CMS), HealthCare.gov, or any federal or state government agency.
The base figures
The official numbers behind the estimates
CMS-published 2026 figures — the starting point for any estimate.
2026 Medicare costs at a glance
The published figures that shape your year
$202.90
Part B premium
standard, per month
$283
Part B deductible
per year
$1,736
Part A hospital deductible
per benefit period
$38.99
Part D base premium
national average, per month
$2,100
Part D drug out-of-pocket cap
new hard cap for the year
Varies
Medicare Advantage OOP max
every plan sets an in-network limit; the amount depends on the plan
Source: CMS, 2026 Medicare cost figures (Parts A, B, D) and Medicare Advantage out-of-pocket maximum.
For education only — amounts change annually; confirm current figures before making a decision.