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Medicare Advantage Cost Calculator
Add premiums and out-of-pocket to see your real yearly cost.
By Naomi Foster, Contributing Writer, Healthcare
Updated July 2, 2026
Updated July 2, 2026
Add premiums and out-of-pocket to see your real yearly cost.
Educational estimate. Not insurance advice, confirm with plan documents.
We add your plan premiums and Part B premiums for the year to your estimated out-of-pocket spending, and cap that spending at your plan's out-of-pocket maximum (MOOP).
With the calculator's own starting numbers, a $0 plan premium and a $185 monthly Part B premium turn into $2,220 a year before you spend a dollar on care. Add $2,800 in expected copays and coinsurance, which stays under the $8,850 out-of-pocket maximum, and the running total lands at $5,020 for the year.
Change the picture to a worse year and the cap starts doing the work. A $45 monthly plan premium plus that same $185 Part B premium comes to $2,760 in fixed costs. If a hospital stay or a new diagnosis pushes out-of-pocket spending to $11,000, the calculator stops counting once it reaches the $8,850 maximum, so the total tops out at $11,610 rather than climbing with every additional bill.
The other calculators break down enrollment windows, plan caps, and the Medigap tradeoff.
Even a $0-premium Medicare Advantage plan is not free. You still pay your Part B premium, plus copays and coinsurance each time you use care. This calculator adds the premiums you pay all year to your expected out-of-pocket spending, and caps that spending at your plan's out-of-pocket maximum, which is the most you pay in a bad year.
The most important number on any Advantage plan is the out-of-pocket maximum. Once your copays and coinsurance reach it, the plan covers 100% for the rest of the year. A low premium with a high MOOP can cost more than a slightly pricier plan with a low cap if you get seriously ill, which is why the two scenarios above land so differently.
This tool only estimates medical cost-sharing. It doesn't add Part D drug spending unless you fold an estimate of it into the out-of-pocket field yourself, and it can't predict which specific services you'll need this year. Run the numbers for a typical year and again for a rough year, then use the gap between the two totals to judge how much a lower premium is really worth on a plan with a higher cap.
See how this same math stacks up against Medigap in the Advantage vs Medigap comparison tool, or zoom in on just the cap with the calculator for finding your MOOP month. For the dollar figures CMS has published for 2026, see the sourced cost and enrollment reference.
No. A $0 premium only means the plan itself doesn't bill you monthly. You still owe your Part B premium every month, and you'll pay copays or coinsurance any time you actually use care, which is exactly what the Part B and out-of-pocket lines above are tracking.
It's the ceiling on what you pay in copays and coinsurance for covered care in a calendar year. Use a lot of care and your spending still stops climbing once it hits that number, because the plan covers 100% of covered in-network costs for the rest of the year.
Not directly. Enter your expected drug out-of-pocket spending in the out-of-pocket field alongside your medical costs, since Part D cost-sharing rules vary by plan and this tool doesn't model formularies or coverage tiers.
No. This calculator turns your own numbers into a yearly total; it doesn't recommend a plan or replace what's in your Evidence of Coverage. Confirm anything before you enroll with your plan documents or Medicare.gov.