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What will you really pay for Medicare in 2026?

Higher earners pay an income surcharge (IRMAA) on top of the standard premium, and signing up late adds a permanent penalty. Enter your income and we'll show your real monthly Part B and Part D cost — free, with the official 2026 figures.

Use your 2024 income — Medicare looks at your tax return from two years ago. Modified adjusted gross income if you have it.

Months you delayed after becoming eligible. Leave at 0 if you signed up on time.

Full months you went without Part D or other creditable drug coverage. Leave at 0 if none.

We don't store anything from this, and we never ask for your SSN. Creating an account is free, and you'll see what we find on yours before you pay — the full optimization, with plan comparison, drug costs and surcharge appeals, unlocks with a plan or a single $10 credit.