Care · Medicare
Part B Premium Calculator
Premium is only one part of Part B cost.
Separate the monthly Part B premium from deductible and coinsurance planning.
Estimate annual Part B exposure using the 2026 standard premium and deductible defaults plus any IRMAA add-on you enter.
Best for: People comparing Medicare budgets, supplemental coverage, or expected outpatient cost exposure.
Estimate inputs
Part B cost is more than the premium. Deductible, coinsurance, supplements, Medicare Advantage rules, and other coverage can change exposure.
Assumptions
- Uses the 2026 standard Part B premium and deductible defaults.
- Coinsurance is simplified as a planning percentage after the deductible.
- Does not model Medigap, Medicare Advantage, Medicaid, or employer retiree coverage.
Medicare planning boundaries
Medicare calculators should separate premiums, deductibles, IRMAA, prescription coverage, supplemental coverage, and care needs. The expensive mistake is assuming Medicare covers every long-term care cost just because someone has Medicare.
- Medicare costs and income thresholds update by year, and Social Security or Medicare notices control the actual billed premium.
- Part D costs depend on plan premium, covered drugs, pharmacy, coverage stage, income adjustments, and creditable coverage history.
- Long-term custodial care usually needs a separate plan from Medicare premiums and deductibles.
Related tools and tracks
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 Part B standard premium and deductible defaults only; covered services, supplemental coverage, and billing 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.