MEDICARE TOOLS · FREE MEMBER ACCESS
Find out exactly what Medicare will cost you in 2026
Enter your income and coverage preferences — get your estimated monthly Medicare premiums including any IRMAA surcharges in under 60 seconds.
Member Access
Your Estimated Monthly Medicare Cost
$202.90
Part B Premium$202.90
IRMAA Surcharge$0.00
Total per month$202.90
🔒 Sign in to access this tool
Know your exact premium
See your Part B premium, IRMAA surcharge, and total monthly cost based on your actual income.
IRMAA bracket detection
Automatically identifies if you're subject to income-related surcharges and shows exactly how much extra you'll pay.
Instant results
Results update in real time as you adjust your income and coverage selections — no form submission needed.
Ready to see your Medicare cost estimate?
Create a free How2Medicare account to access the calculator plus your full personalized coverage dashboard.
Free membership · No credit card required · Licensed Medicare guidance included