Medicare Resources
How Much Does Medicare Cost?
Medicare premiums aren't one-size-fits-all. What you pay depends on your work history, your income, and which coverage you choose. Here's what to know before you use the calculator below.
Part A (hospital coverage) is premium-free for most people who worked at least 10 years and paid Medicare taxes. Part B (medical coverage) carries a standard monthly premium — currently $185.00 — but higher-income individuals pay more through an income adjustment called IRMAA.
Beyond premiums, Original Medicare also has deductibles and 20% coinsurance with no out-of-pocket cap. Many Oregonians pair it with a Medicare Supplement or switch to Medicare Advantage to get more predictable costs.
Not sure what to expect? Let's talk.
The calculator gives you an estimate — but your actual out-of-pocket costs depend on your plan choice, your doctors, and your prescriptions. I can walk through the real numbers with you for free.
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2025 Baseline Costs
IRMAA note: If your income was above $106,000 (individual) or $212,000 (joint) two years ago, expect a higher Part B premium. You can appeal this with SSA if your income has since dropped.