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10-Year Medicare
Cost Modeler

Monthly premiums are the wrong unit of analysis. Enter your numbers and see the true 10-year cost picture — across three health scenarios — for both Medicare paths.

Enter Your Medicare Numbers

Use actual quotes from your area for the most accurate results. Default values are reasonable estimates for a 65-year-old.

🔵 Path A — Original Medicare + Medigap

$
$

Typical range: $130–$250/month at age 65. Varies significantly by location.

$

🟢 Path B — Medicare Advantage

$

Many plans charge $0/month in addition to the Part B premium.

$

CMS maximum for 2025: $9,350 in-network. Typical range: $4,000–$8,500.

Part D included in my MA plan

Most MA plans bundle prescription drug coverage.

Annual Premium Growth Rate Medigap premiums have historically grown 3–6%/year. This rate is applied to all premiums in both paths.
4%

Results show total annual costs including premiums and projected out-of-pocket exposure across three health utilization scenarios.

Model running with your inputs.

Cumulative 10-Year Cost Comparison

Click a scenario card above to switch views.

Original Medicare + Medigap
Medicare Advantage

Year-by-Year Breakdown

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See every year's premium costs, out-of-pocket costs, annual totals, and cumulative difference for all three scenarios — in a printable table you can bring to any conversation.

  • Year-by-year costs for both paths, all 3 scenarios
  • Annual and cumulative totals with year-by-year difference
  • Premium growth shown explicitly for each year
  • Printable / saveable summary
  • The free Medicare Decision Brief included

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Year-by-Year Cost Breakdown

Positive difference = Medigap saves you money that year vs. MA. Negative difference = MA saves you money. OOP growth rate of 2%/yr applied to MA cost-sharing. All figures are projections based on your inputs — actual costs will vary.

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All projections are estimates based on user-provided inputs and simplified modeling assumptions. Actual Medicare costs depend on specific plan terms, local pricing, actual health utilization, CMS rule changes, and other factors. This tool is educational and does not constitute insurance, financial, or legal advice. Always verify costs with Medicare.gov and a licensed professional.