What best describes your health at enrollment?
This sets your baseline costs during your healthy years — before any major diagnosis.
Medicare Advantage
Includes Part B ($202.90/mo) · $0 plan premium · Max OOP: $6,700/yr used here (plans vary — some reach $9,250)
Medicare Supplement
Includes Part B ($202.90/mo) · $200/mo plan premium · No out-of-pocket maximum
The Advantage max out-of-pocket used here is $6,700/year — slightly above the 2026 national median of $5,900. In reality, Advantage plans vary significantly — some have in-network MOOPs as low as $3,500, while others reach the federal maximum of $9,250 in-network. Combined in/out-of-network limits can reach $14,000 or more. Always confirm your specific plan’s MOOP before enrolling. The Supplement premium of $200/month is illustrative — actual premiums vary by age, location, and insurer.
Year-by-Year Breakdown — All 15 Years
Both plans include the Part B premium ($202.90/mo). Advantage adds illness cost-sharing up to the $6,700/yr MOOP used here. Supplement adds a flat $200/mo premium with no additional cost-sharing for covered services.
| Year | Phase | Advantage Cost | Supplement Cost | Difference |
|---|
What This Means For You
⚠ The Window You Cannot Get Back
Once you’re diagnosed with a serious condition, you cannot switch to a Medicare Supplement without medical underwriting. In most states, the insurance company can review your health history and deny your application entirely.
The six-month guaranteed issue window at age 65 — when you cannot be denied, no matter your health — is the only time you can make this choice freely. After that window closes, your options depend on your health.
These Numbers Are Based on Real Medicare Rules
An independent advisor can run your actual numbers — your doctors, your prescriptions, your specific plan options — at no cost to you.
This calculator uses 2026 Medicare figures: Part B premium $202.90/month, Medicare Advantage maximum out-of-pocket $6,700/year in-network (slightly above the 2026 national median of $5,900; actual plans vary — in-network MOOPs range from $0–$9,250; combined in/out-of-network MOOPs can reach $14,000+; always verify your specific plan’s MOOP before enrolling), Supplement Plan G illustrative premium $200/month. Illness cost estimates are based on published Medicare claims data and national average Medicare reimbursement data. All figures are illustrative estimates for educational purposes only and do not constitute insurance advice. Consult a licensed Medicare advisor before making enrollment decisions.