How much does Medicare cost when you turn 65?
Part A is free for most people. Part B costs $202/month in 2026. Medigap Plan G adds a monthly premium that varies by carrier and county. Medicare Advantage plans start at $0 premium in many Florida counties.
What drives the number
The figure moves with scope, materials, site access and what turns up once work starts. A written scope after an on-site look beats any published range.
Local context for Statewide Florida
Turning 65 is a milestone that comes with important health insurance decisions. You have a 7-month window to enroll in Medicare without penalty. If you're still working and covered by employer insurance (20+ employees), you can delay Part B without penalty. If your employer has fewer than 20 employees, you should enroll in Medicare at 65. Your IEP is a 7-month window: 3 months before your 65th birthday month, your birthday month, and 3 months after. Missing your IEP entirely results in permanent late enrollment penalties. Part A covers hospital stays (free for most). Part B covers doctor visits ($202/month in 2026). Part C (Medicare Advantage) replaces Parts A+B.
Florida Health Insurance Web provides Medicare Advantage, Medicare Supplement (Medigap), ACA Marketplace Plans, Final Expense Insurance, Small Group Health Insurance, Medicare Part D across Statewide Florida.
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