Add up premiums and out-of-pocket for 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, capping that spending at your plan's out-of-pocket maximum (MOOP).
Compare your real Medicare costs with our free tools.
Even a $0-premium Medicare Advantage plan isn’t free. You still pay your Part B premium (about $185/month in 2025, set by the government), plus copays and coinsurance every 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 can lose in a bad year.
The single most important number on any Advantage plan is the out-of-pocket maximum (MOOP). 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 far more than a slightly pricier plan with a low cap if you get seriously ill. Run a healthy year and a sick year to see your real range.
No — you still pay the Part B premium plus copays and coinsurance when you use care.
The most you'll pay in copays/coinsurance in a year; after that the plan pays 100%.
Estimate your drug out-of-pocket within the out-of-pocket field; Part D cost-sharing varies by plan.
No — it's an educational estimate. Confirm with plan documents and Medicare.gov.