Medicare Part D Plan Comparison Calculator
Drug plan cost from medication list and dosages.
Inputs
%
Results
Total Annual Cost
$1,631.00
≈ 13 pairs of sneakers
Annual Premiums (incl. IRMAA)$420.00
Annual Out-of-Pocket$1,211.00
Deductible Paid$615.00
Plan Coverage Ratio59.6%
Cost per Med per Month$27.19
Net Savings vs. Retail$1,369.00
Figures current as of 2026. Source: CMS 2026 Medicare Parts A & B Premiums and Deductibles Fact Sheet
How to Use This Calculator
- Enter monthly plan premium ($) and annual drug costs ($) for each plan being compared.
- Set brand-name drug percentage and number of medications.
- Enter IRMAA surcharge tier if income exceeds Medicare thresholds.
- Review total annual cost including premiums, out-of-pocket costs, and IRMAA surcharges.
- Compare plans during Open Enrollment (Oct 15 - Dec 7) each year -- best plan changes as formularies change.
Ad Placeholder
Ad Placeholder