Standard Medicare Part B costs $185/month in 2026, plus Part D drug coverage ($30-100/month) and a Medigap supplement ($100-350/month depending on plan and location). Total monthly costs typically range from $315-$635 per person — and can be much higher if you trigger IRMAA surcharges.
This answer is provided for general informational purposes only and does not constitute financial advice. Every family’s situation is different. For personalized guidance, schedule a free consultation with our team.
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