Medicare Cost Calculator (2026)

Medigap or Advantage — what’ll it cost?

See the two Medicare paths side by side for 2026. Adjust the premiums and your expected care, and the calculator estimates your total annual cost each way — all in your browser.

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Compare the two main Medicare paths side by side. Everyone pays the Part B premium ($202.90/mo in 2026) either way — the difference is how you cover the gaps. Adjust the numbers to match real quotes.

Medigap premium MN: Basic ~$200–326, Extended Basic ~$303–490

Part D drug plan Standalone, with Original Medicare

Medicare Advantage premium Local plans run $0–$210; often $0 (MAPD includes drugs)

Advantage out-of-pocket max In-network MOOP; can’t exceed $9,250

How much care do you expect to use this year?

Low = routine care only · Moderate = a procedure or two · High = surgery / frequent care

Estimates only, for understanding the trade-off — not a quote. Real premiums, networks, drug coverage, and out-of-pocket costs vary by plan and by your health. Medigap out-of-pocket depends on which Minnesota plan you choose; Advantage out-of-pocket depends on the care you use, up to the plan’s maximum. We’ll price your real options for free.

Good to Know

Questions about this calculator

With Original Medicare you add a Medigap (Supplement) plan to cover cost-sharing and a standalone Part D drug plan — higher premium, very predictable out-of-pocket, any provider that takes Medicare. With Medicare Advantage you get an all-in-one plan, usually low or $0 premium with drugs included, but you pay as you go up to a yearly maximum and use the plan’s network.

The 2026 Part B premium of $202.90 a month is fixed by Medicare and applies to both paths. The Minnesota Medigap ranges reflect 2026 local premiums, and the Advantage out-of-pocket maximum can’t exceed $9,250 in-network. Everything else you can adjust to match real quotes.

Minnesota’s Medigap plans range from a Basic plan with some cost-sharing up to the comprehensive Extended Basic plan. The calculator assumes a fairly comprehensive plan with low residual costs; a lighter plan would mean somewhat higher out-of-pocket.

Only roughly. Drug costs depend heavily on your specific medications and each plan’s formulary. The 2026 Part D out-of-pocket cap is $2,100, but the right plan for you comes down to matching your exact prescriptions — something we check by hand.

No. The calculator runs entirely in your browser and nothing is sent to us or stored.

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