FEHB vs Medicare Part B Cost Calculator

Compare a year of FEHB alone with FEHB plus Medicare Part B, using 2026 Part B premiums.

Your FEHB Premium

$/mo

Your share of the FEHB premium. Out-of-Pocket Costs on FEHB Alone

$/yr

Deductibles, copays and coinsurance you expect in a typical year. Share Medicare Would Cover

Many FEHB plans waive most deductibles and copays when Medicare pays first. Check your plan’s brochure. Part B Premium (2026)

Based on your income from two years earlier. FEHB Credit for Medicare Enrollees

$/yr

Some plans reimburse part of the Part B premium or fund an account. Enter 0 if yours doesn’t.

Your Yearly Cost

FEHB Only

$0/yr

FEHB + Part B

$0/yr

Difference per year: $0
Over 10 years: $0
Over 20 years: $0

Uses the 2026 Part B premiums published by CMS, in today’s dollars. If you skip Part B at 65 and enroll later, your Part B premium is permanently 10% higher for each full 12 months you could have enrolled. Your medical costs, your plan’s Medicare benefits and premiums change every year. Educational illustration only.

How the FEHB vs Medicare Part B Cost Calculator Works

Enter your FEHB premium and expected out-of-pocket costs. The calculator compares a year of FEHB alone with FEHB plus Medicare Part B, using 2026 Part B premiums.

What Your FEHB and Part B Decision Means

At 65, many federal retirees ask whether Part B is worth paying for on top of FEHB. The answer depends on your health, your income (which can raise your Part B premium), what your FEHB plan offers Medicare enrollees, and the lifetime penalty if you delay and later change your mind. That’s the conversation we help you have.

New to federal benefits? Start with our Federal Retirement Workshop or learn what makes Stonebridge different.

Frequently Asked Questions About FEHB and Medicare Part B

Do I need Medicare Part B to keep FEHB?

No. FEHB continues either way. Part B is optional, but it changes how your medical costs are shared.

What if I skip Part B and enroll later?

As a retiree, you can generally enroll only from January through March, and your premium is permanently 10% higher for each full 12 months you could have had it.

How does income affect my Part B premium?

Higher income adds a surcharge (IRMAA), based on your tax return from two years earlier. In 2026 it starts above $109,000 single or $218,000 joint.

Do FEHB plans help with Part B costs?

Many do, by waiving most deductibles and copays when Medicare pays first, and some reimburse part of the Part B premium. Benefits vary by plan and change each year.

Ready to see how the pieces fit together for your specific situation?

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What You Get When You Work With Stonebridge

A Personalized Federal Retirement Roadmap

We bring together your pension, TSP, FEHB, FEGLI, survivor benefits, Social Security, and retirement timing into one coordinated retirement plan.
You’ll see where you stand today, the options available to you, your projected retirement income, and a retirement timeline you can move toward with confidence.

Plain-Language Guidance, Not Sales Pressure

Federal retirement is complicated enough without jargon, sales tactics, or manufactured urgency.
We explain your options clearly, answer your questions honestly, and help you understand the trade-offs before making decisions.
Decisions happen at your pace, not ours.

Colorado-Based Federal Retirement Specialists

Stonebridge is based in the Denver metro area and serves federal employees throughout Colorado’s Front Range.
Meet with us in person at our Inverness office or virtually from anywhere in Colorado.
When questions arise, you’ll have a local team you can reach, not a national call center.

Serving Federal Employees Across The Colorado Front Range

Stonebridge is based in the Denver metro area and works with federal employees throughout Colorado’s Front Range.

Our clients serve in a wide range of federal agencies and organizations across the state, including the Denver Federal Center, VA Eastern Colorado Health Care System, Buckley Space Force Base, the Internal Revenue Service, the United States Mint, NREL, NOAA, NIST, and many others.

We meet with clients in person at our Inverness office and virtually throughout Colorado.

Primary Service Area

Denver · Littleton · Highlands Ranch · Centennial · Lakewood · Englewood · Parker · Castle Rock · Aurora · Arvada · Westminster · Broomfield · Thornton · Wheat Ridge · Golden · Lone Tree

Extended Service Area

Colorado Springs · Boulder · Fort Collins · Loveland · Greeley · Pueblo

Get Your Federal Retirement Report

Workshop attendees are eligible to receive a personalized Federal Retirement Report at no cost and with no obligation. Built around your service history and benefits, it shows where you stand today and the decisions ahead: your pension, Social Security, survivor benefit, FEGLI, TSP and FEHB.

Register for an upcoming workshop to get started.

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