Not affiliated with AHIP/CMS/Medicare; educational only, not insurance advice
Compare three options
Enter your own plan-document figures for the same coverage year. No plan is ranked or selected. Do not add a deductible twice: include it in your annual spending estimate. If drug coverage is bundled in the health premium, enter 0 for the separate drug premium.
Entries stay in this page’s memory; these tools do not store or send them. Refreshing or clearing removes them. Save a PDF to retain a copy. Do not enter Medicare numbers, Social Security numbers or upload documents.
Use your browser’s Print dialog and choose Save as PDF. Large-print output includes your current entries, results, assumptions and sources. Blank fields remain blank; enter 0 only when a cost is truly zero.
What the totals include
Expected annual total = 12 × monthly premiums + expected medical + prescription + other spending. The separate limit-based scenario = annual premiums + your verified medical limit + your verified Part D threshold + your outside-limit scenario. It is not a universal worst-case ceiling: out-of-network, excluded services and uncovered drugs can exceed it. Original Medicare has no annual out-of-pocket limit unless supplemental coverage changes your costs; leave the limit blank when not applicable and the scenario will be unavailable.
Premiums are outside medical and Part D spending limits. A Medicare Advantage medical limit does not include prescription spending. A Part D threshold applies only to eligible covered drug spending, not every pharmacy bill. Verify figures and what counts for your specific year and coverage.
Official sources
Rules and figures as of October 11, 2026. Calculators use 2026 amounts only; do not use them as 2027 estimates.