Please wait — the Medicare Plan Cost Estimator is loading
Use this tool to estimate your annual costs and make an informed decision about which medicare plan to choose.
Coverage level selected: | |
Choosing a healthcare plan can be a balancing act. Some people may prefer plans with lower premiums, while others may prefer plans with lower anticipated total costs. What matters most to you?
In the results, the tool will not highlight any specific plan.
In the results, the tool will highlight the plan with the lowest retiree annual premiums.
In the results, the tool will highlight the plan with the lowest estimated retiree total costs (i.e. including an estimate for anticipated out-of-pocket costs.)
In the results, the tool will highlight the plan with the lowest estimated retiree worst-case total costs (i.e. including an estimate for potential worst-case out-of-pocket costs.)
In the results, the tool will highlight the plan with access to a Health Savings Account (HSA) that has the lowest estimated retiree total costs.
In the results, the tool will highlight the plan with access to a Flexible Spending Account (FSA) that has the lowest estimated retiree total costs.
Think about the amount of healthcare that you and your spouse may need in the coming year. Use the menu(s) below to select from a variety of "quick scenarios". For definitions of the different usage levels, please see the . For definitions of the different usage levels, please see the and the . On the other hand, you can create your own scenario under the "My own scenario" tab by customizing the frequency of each type of service. You can also view the .
Tip: Creating your own scenario works best on wider screens. If you're on a mobile device, consider rotating your device to landscape mode while using the modeling interface.
Based on your inputs and what you indicated matters most to you, the plan with the lowest retiree annual premiums is the the lowest estimated retiree total costs is the lowest estimated retiree worst-case total costs is the access to an HSA with the lowest estimated retiree total costs is the access to an FSA with the lowest estimated retiree total costs is the .
No plan matched your specified criteria.
Compare how much you'll spend (continued)
See the impact of using your other available funds
Slide the bar below to see how your other sources of funds that you may have available can help you cover your out-of-pocket healthcare costs.
I am age 55 or older and qualify for the increased HSA contribution limit.
Slide the bars above to see how savings account contributions can help you cover your out-of-pocket healthcare costs.
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Retiree annual premium | |
Medical and prescription drug out of pocket costs | |
Your other sources of funds used to offset the cost of care | |
Your other sources of funds used to offset the cost of care | (to be determined next) |
Your annual costs (after your other funds have been applied) | |
Claim reimbursements | |
After claims | |
Company funding | |
Retiree funding* | |
Retiree funding | (to be determined next) |
Contribution limit | |
Company match | |
Company funding | |
Carried over from 2020 | |
Carried over from 2020 | (to be determined next) |
Total funding | |
Forfeited excess rollover | |
Your remaining funds | |
Your remaining funds | (to be determined next) |
*Subject to applicable plan limits. |
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Paid weekly |
Paid monthly |
Use this tax calculator to see the benefits of contributing to a plan's tax-advantaged savings account.
Select a plan in the dropdown menu below and then click "Show the tax calculator".
* The maximum contribution you may make has been reduced by the company's funding amount.
Tax Calculator (continued)
Use the sliders above to estimate your eligible out‑of‑pocket medical expenses for the upcoming plan year.
Income tax filing status: | |
Number of dependents: | |