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Jenkins Insurance & Retirement is a private insurance practice not affiliated with or endorsed by the U.S. government or the federal Medicare program.
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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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What are you shopping for?

Choose the coverage type you'd like an educational cost estimate for.

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.