Medicare Cost Calculator 2025 | Estimate Your Healthcare Savings
Get a personalized estimate of your Medicare Advantage costs and discover potential savings opportunities.
Enter Your Information
Plan Costs
Expected Annual Healthcare Use
Your Estimated Annual Costs
Total Estimated Annual Cost
Cost Breakdown
Savings Opportunity
This is an estimate based on national averages. Actual costs may vary significantly between plans and providers.
Compare Your Options
Low-Cost Plans
$0-$50 monthly premium
- • Higher deductibles
- • Limited networks
- • Basic benefits
Balanced Plans
$50-$150 monthly premium
- • Moderate deductibles
- • Good networks
- • Extra benefits
Premium Plans
$150+ monthly premium
- • Low/no deductibles
- • Extensive networks
- • Comprehensive benefits
Money-Saving Tips for Medicare Advantage
💰 Ways to Save
- Use in-network providers to minimize costs
- Take advantage of free preventive care benefits
- Use generic medications when available
- Review your plan annually during Open Enrollment
- Check for Low Income Subsidy (LIS) eligibility
⚠️ Cost Pitfalls to Avoid
- Going out-of-network without authorization
- Ignoring prior authorization requirements
- Not comparing plans during enrollment periods
- Using emergency rooms for non-emergencies
- Not understanding your plan's formulary
Understanding Medicare Advantage Costs
Premium
Monthly amount you pay for your plan, even if you don't use services
Deductible
Amount you pay before your plan starts paying for covered services
Copay
Fixed amount you pay for covered services after meeting deductible
Out-of-Pocket Max
Maximum amount you'll pay per year for covered services
Additional Tools & Educational Resources
More calculators, comparison tools, and educational content to support your insurance decisions
ACA Subsidy Calculator
FeaturedEstimate premium tax credits and cost-sharing reductions for Marketplace plans
Medicare & ACA Enrollment Timeline
FeaturedKey dates, deadlines, and enrollment periods for Medicare and Health Insurance Marketplace
Medicare Advantage vs Original Medicare Guide
FeaturedComplete comparison of Medicare Advantage and Original Medicare with pros, cons, and decision framework
Medicare Enrollment Periods Explained
FeaturedNavigate Annual Open Enrollment, Special Enrollment Periods, and Medicare eligibility timelines
Medicare Open Enrollment 2025
FeaturedComplete guide to 2025 Medicare Open Enrollment period (Oct 15 - Dec 7)
Understanding Medicare Advantage Costs
FeaturedBreak down premiums, deductibles, copays, and out-of-pocket maximums for Medicare plans
Prescription Drug Coverage in Medicare
Everything about Part D coverage, formularies, pharmacy networks, and drug costs
Dental and Vision Benefits in Medicare Plans
Comprehensive guide to supplemental benefits available in Medicare Advantage plans
Need Personal Guidance?
Our licensed insurance experts can walk you through any of these resources and help you apply the information to your specific situation.
Related Insurance Services & Tools
Use these tools to compare options, then connect with our agents for enrollment assistance.
Health Insurance Marketplace
ACA plans with premium tax credits and cost-sharing reductions
Medicare Advantage Plans
HMO & PPO plans with extra benefits like dental, vision, and prescription coverage
Medicare Part D
Prescription drug coverage with formulary lookup and cost comparison
Medicare Supplement Plan G
Comprehensive Medigap coverage for Medicare Part A & B out-of-pocket costs
Marketplace & International Expert
Elsa Galicia-Lona - Health Insurance Marketplace and International Health specialist
Medicare Extra Help
Low-income subsidy programs for prescription drug costs and premiums
Not Sure Which Option Is Best for You?
Our licensed insurance experts can help you compare all options and find the perfect coverage for your specific needs and budget.
Need Help Finding the Right Plan?
Our licensed Medicare specialists can help you find a plan that fits your healthcare needs and budget
Trusted by National Families
Real National Success Stories
Maria Rodriguez
Spring, TX
"Como madre soltera trabajando en un restaurante, nunca pensé que podría pagar un seguro de salud. El agente me explicó todo en español y ahora tengo cobertura completa por solo $25 al mes. Mi hija y yo finalmente tenemos la tranquilidad que necesitamos."
Uninsured single mother, restaurant worker
$25/month Silver plan with subsidies
Success Stories by Industry
"Como madre soltera trabajando en un restaurante, nunca pensé que podría pagar un seguro de salud. El agente me explicó t..."
"Working in the oil field, my income varies a lot. The Marketplace plan adjusted my subsidies when my income changed, and..."
"Trabajo en un hotel en Miami Beach y mi esposa es ama de casa. Con cuatro hijos, pensamos que nunca podríamos tener segu..."
"As a freelance web developer in Atlanta, I needed coverage that wouldn't break my budget. The Bronze plan gives me the p..."
"Trabajo como dealer en un casino y mi horario es de noche. Encontrar seguro médico que funcionara con mis propinas y hor..."
"My husband and I run a small farm outside Oklahoma City. We couldn't afford health insurance until we learned about the ..."
Trusted & Verified
Ready to Find Your Perfect Medicare Plan?
Use this cost calculator as a starting point, then let our experienced team help you find the best Medicare Advantage plan for your specific needs and budget.