Calculators

Late penalty calculator

Medicare late penalties are permanent. Calculate what a delay costs — per month and over 10 years.

Late Enrollment Penalty Calculator

Enter how many months you went without coverage after becoming eligible.

Part B penalty (10% per 12 months × $202.90)—
Part D penalty (1% per month × $38.99)—
Total cost over 10 years—

How Medicare penalties work

Part B: 10% of the standard premium ($202.90 in 2026) for each full 12-month period you delayed. Permanent.

Part D: 1% of the national base premium ($38.99 in 2026) for each month without creditable drug coverage, rounded to the nearest $0.10. Permanent.

How to avoid penalties

  • Enroll during your Initial Enrollment Period (7 months around your 65th birthday)
  • If working past 65 with employer coverage (20+ employees), your 8-month SEP protects you
  • Keep proof of creditable drug coverage from your employer

Have questions about Medicare?

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Find a Medicare Agent

You can also visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227) for help.