Medicare Premium Calculator
Combine Part A work-credit premiums, Part B, your actual Part D plan premium, and income-related surcharges for one or two enrollees.
Annual household premiums
$4,063.20Part B / person / month
$284.10Part D IRMAA / person / month
$14.50Premiums exclude Medigap, Medicare Advantage, late-enrollment penalties, and medical cost sharing. Deductibles are separate: Part B $283.00 and Part D up to $615.00 per person.
Premiums are not total medical spending
The result is a premium budget. It does not include Medigap, Medicare Advantage, late-enrollment penalties, deductibles, coinsurance, copays, or uncovered services.
Enter the premium for the actual Part D plan you are considering. CMS’s national base beneficiary premium is a pricing and penalty input—not the premium every enrollee pays.
Medicare premium FAQs
Is Medicare Part A premium-free?
Part A is generally premium-free when the enrollee or a spouse has at least 40 quarters of Medicare-covered work. CMS charges a reduced premium for 30–39 quarters and the full premium for fewer than 30 quarters.
Does this calculator include IRMAA?
Yes. It adds the official Part B and Part D IRMAA surcharges for the selected premium year and MAGI lookback return. IRMAA is applied separately to each enrolled person.
Is the Part D national base premium my actual premium?
No. Actual Part D premiums vary by plan and location. Enter the premium for your chosen plan; the CMS national base beneficiary premium is mainly a formula input for plan pricing and late-enrollment penalties.
Are Medicare deductibles included in the annual premium result?
No. Deductibles and cost sharing depend on care received and are shown separately. The annual result covers Part A, Part B, Part D plan premiums, and applicable IRMAA only.
Sources
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