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Medicare Cost Calculator for New Jersey Seniors
Get a clear estimate of your 2026 Medicare costs, including standard premiums, potential IRMAA surcharges, and estimated out-of-pocket exposure based on your coverage choices.
Interactive Calculator Coming Soon
We are currently updating our calculator with the latest 2026 figures to ensure you get the most accurate estimates. In the meantime, schedule a free consultation for a personalized cost breakdown.
Get Your Custom EstimateWhat Goes Into Your Medicare Costs
- • Part B premium (The standard premium for 2026 is $202.90)
- • Part D (prescription drug) premium
- • Part B and Part D annual deductibles
- • Plan premiums for Medicare Advantage or Medicare Supplement
- • Out-of-pocket maximums and copayments
IRMAA Income Adjusted Premiums
If your modified adjusted gross income from two years prior is above a certain amount, you may pay an Income Related Monthly Adjustment Amount (IRMAA). This is an extra charge added to your premium for both Part B and Part D.
We can help you determine if you will be subject to IRMAA and how to plan for these additional costs in your retirement budget.