Medicare costs · 2026
What does Medicare actually cost?
Straight 2026 numbers for Texas — premiums, deductibles, Medigap, and drug plans. Then we'll quote your exact situation for free.
Quick answer
Everyone on Medicare pays the federal Part B premium of $202.90/month in 2026 (more for high earners). From there your cost depends on the path: a Medicare Advantage plan can have a $0 plan premium (you pay copays as you go, capped each year), while Original Medicare plus a Medigap plan trades a higher monthly premium for very predictable, low out-of-pocket costs. These are typical ranges, not a recommendation of any plan.
Updated 2026-07-03 · Source: CMS, 2026
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How much does Medicare cost per month in 2026?
At minimum, everyone pays the federal Part B premium of $202.90/month in 2026 (higher for high earners via IRMAA). On a $0-premium Medicare Advantage plan that may be most of your fixed cost, plus copays as you use care. On Original Medicare with a Medigap plan plus a Part D drug plan, add the Medigap premium (often $125+ in Texas for Plan G) plus a drug plan. We compare your real total for free.
How much does Medicare Supplement (Medigap) cost in Texas?
For Medicare Supplement (Medigap) in Texas, a 65-year-old often sees Plan G around $125–$205/month. Texas also has plentiful $0-premium Medicare Advantage plans (you still pay the Part B premium). The best value depends on your doctors, drugs, and travel.
What makes my Medicare price different from someone else's?
Your age, ZIP code, gender and tobacco use (for Medigap), the path and plan you choose, whether you apply for Medigap during your no-health-questions window, and your income (high earners pay an IRMAA surcharge on Part B and Part D). We pull live quotes for your exact situation at no cost.