Medicare Part A & Part B Premium Estimator
Get an accurate estimate of your monthly Medicare premiums using live CMS data — no phone call required.
How This Tool Works
Medicare Part A and Part B premiums vary based on your work history, income, and coverage decisions. This estimator pulls live data directly from CMS (the Centers for Medicare & Medicaid Services) so your estimates reflect the current year's rates — not outdated figures.
Enter Your Info
Provide basic details about your work history and household income to personalize your estimate.
Get Live Rates
The tool queries current CMS data to calculate your Part A and Part B premium amounts.
See Your Costs
Review your estimated monthly premiums, including any IRMAA surcharges based on income.
What You Can Estimate
- Part A (hospital insurance) premiums — often $0 if you or your spouse worked 10+ years
- Part B (medical insurance) standard premium and any income-related adjustments (IRMAA)
- How your premium changes based on income bracket thresholds
- Total combined monthly Medicare costs before supplemental coverage
- Year-over-year premium changes using the latest CMS published rates
Did you know? High-income earners pay more for Part B through the Income-Related Monthly Adjustment Amount (IRMAA). If your income has dropped recently, you may qualify to appeal your surcharge. Our agents can help you file a Life-Changing Event form with Social Security.
Questions About Your Medicare Costs?
Our licensed agents can walk you through your actual premium costs, help you find cost-saving strategies, and compare plans that fit your budget. No pressure — just clear answers.
Or call us directly: (863) 225-2875