Care · Medicare
Medicare Cost Planner
Medicare cost planning should include premiums, deductibles, drugs, supplemental coverage, and uncovered care.
Estimate monthly Medicare-related costs from Part B, Part D or Medicare Advantage, Medigap, dental, vision, drugs, and out-of-pocket medical spend.
Estimate inputs
Medicare costs change by year, income, plan, doctors, drugs, pharmacy, and health needs. Use this as a planning estimate, then confirm with Medicare, SHIP, or a qualified professional.
About this estimate
Assumptions
- Uses CMS 2026 Part B standard premium as the default.
- IRMAA, plan design, network, drugs, and state rules can change actual costs.
How this works, in detail
Care-cost planning boundaries
Care planning should compare settings, family workload, public benefits, tax/payroll obligations, safety, and respite. It should not promise eligibility or replace medical, legal, immigration, tax, or benefits advice.
- Medicare generally does not cover custodial nursing home care when custodial care is the only care needed.
- Hiring a household caregiver can create wage, overtime, Form I-9, payroll tax, and Schedule H obligations.
- Bringing a foreign caregiver is not a simple cost-saving shortcut. Lawful paths are limited and fact-specific.
Sources
Source links used for this calculator family.
- CMS 2026 Medicare Parts A and B premiums
- Medicare 2026 costs
- Medicare Part D costs and late enrollment penalty
- Medicare nursing home coverage
- IRS 2026 HSA limits
- IRS 2026 health FSA limits
- IRS Publication 926 household employer guide
- DOL domestic service fact sheet
- USCIS domestic workers Form I-9
- USCIS H-2B temporary non-agricultural workers
- DOL H-2B program
Source check and limits
Last source check: April 28, 2026
Scope checked: Federal Medicare 2026 planning defaults only; plan, drug, income, state, and eligibility details vary.
- Medicare, insurance, HSA, FSA, and long-term care rules can change by year, plan, location, income, employer, and eligibility.
- Confirm plan details with Medicare, insurers, employers, licensed agents, tax professionals, or other qualified advisors before acting.
Kefiw shows the assumptions used so you can audit the math before relying on the result. This tool does not provide legal, tax, payroll, accounting, medical, insurance, benefits, immigration, compliance, or provider-specific pricing advice.