By NextBestFitHousehold: Retired couple, $50k AGI, Medicare + Medigap
Both 70, traditional Medicare with Medigap Plan G and Part D.
Result
+$11,900
How it's calculated
| # | Step | Arithmetic | Value |
|---|---|---|---|
| 1 | AGI today | $50,000 | |
| 2 | Employer premium (hidden compensation) | $0 | |
| 3 | Other premiums end Marketplace, Medigap, and Medicare Part B/D premiums. | $10,440 | |
| 4 | Covered out-of-pocket costs end Deductibles, copays, coinsurance, and uncovered dental, vision, and hearing. | $2,500 | |
| 5 | Income-based health premium 4.0% of AGI above the $24,000 exemption for a household of 2. | −$1,040 | |
| 6 | Net change per year, long run | $11,900 | |
| 7 | Net change per year, Year 1 | $11,900 |
Trade-off: Part B $185/month each (2025), Part D about $50/month each, Medigap about $200/month each. Out-of-pocket includes dental, hearing aids, and glasses that Medicare doesn't cover.