A Medicare budget has at least two moving parts: what you pay to keep coverage and what you pay when you receive care. A low plan premium can sit alongside deductibles, copays, prescription costs, and services the plan does not cover. Start with your coverage type, then build a yearly estimate that separates those amounts.

The figures in this guide apply to 2026 and were checked in September 2026. Your costs depend on coverage, income-related adjustments, assistance, and the care you use. Confirm enrollment deadlines and existing benefits before changing coverage; delaying enrollment or assuming you can buy Medigap later can have consequences. This question does not recommend a plan.

Which coverage do you have or expect to use?

Choose your current or expected coverage to find the cost details to collect. This does not determine eligibility or recommend a plan.

Original MedicareMedicare AdvantageNot enrolled yetNot sure

Select an answer to play a short ad and view the results.