2026 Medicare Cost Calculator
See your itemized monthly Medicare costs - Part B, IRMAA, your plan premium, and Part D - in under a minute. Built for Nebraska and Iowa beneficiaries.
Your situation
Medicare uses a 2-year lookback: your 2026 premium is based on your 2024 tax return. Use your 2024 AGI plus tax-exempt interest.
Your 2026 monthly estimate
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Estimates only, based on 2026 federal Medicare amounts and Nebraska average Medigap and Part D premiums. Your actual premium depends on the specific carrier, ZIP code, tobacco use, and plan you enroll in. IRMAA tiers are subject to annual CMS updates.
2026 Medicare cost questions
How is IRMAA calculated?
IRMAA (Income-Related Monthly Adjustment Amount) is based on the Modified Adjusted Gross Income (MAGI) from your tax return two years ago. For 2026 premiums, Medicare uses your 2024 MAGI. Single filers over $106,000 (or married couples over $212,000) pay a higher Part B and Part D premium. The surcharge is automatic - Social Security deducts it from your benefit check.
Is Medicare Advantage really $0?
Many Medicare Advantage plans in the Omaha and Council Bluffs market advertise a $0 monthly plan premium, but you still owe the standard Part B premium ($202.90 in 2026) plus any IRMAA. $0 plans cover their costs through CMS capitation payments and use copays, coinsurance, and network restrictions to manage utilization. They are not free care - just a different cost structure.
What does Plan G cost in Nebraska?
Nebraska Medicare Supplement Plan G premiums for a 65-year-old non-smoker range from about $83 to $503 per month depending on carrier, ZIP code, and tobacco use. Most competitive carriers price a healthy 65-year-old between $130 and $170 per month. Premiums rise about $5 to $10 per year with attained age. High-Deductible Plan G starts around $40 to $60 per month.
Do I pay Part B with an Advantage plan?
Yes. To enroll in any Medicare Advantage plan you must be enrolled in Part A and Part B and continue paying the Part B premium every month. The MA plan replaces how your benefits are delivered, but it does not replace Part B. If you stop paying Part B, your MA coverage ends.