Penalty Calculator

Medicare Late Enrollment Penalty Calculator (Part B & Part D)

If you missed your enrollment window without qualifying coverage, Medicare applies a permanent surcharge to your monthly premium. Enter how many months you delayed below to estimate your penalty.

Ideal for people who delayed Medicare enrollment after age 65.

How penalties are calculated: Part B adds 10% per full 12-month period delayed. Part D adds 1% per month of the national base premium. Both surcharges are permanent — they apply for as long as you have coverage.

Enter Your Details

Months Part B Enrollment Was Delayed *

Count the months from when you first became eligible (usually age 65) to when you actually enrolled. Enter 0 if not delayed.

Penalty applies per full 12-month period (e.g. 13 months = 1 period = 10%).

Months Part D (Drug Coverage) Was Delayed *

Count months without creditable prescription drug coverage. Enter 0 if you had employer coverage or a standalone Part D plan throughout.

Part D penalty = 1% × national base premium × months delayed.

This calculator is provided for educational purposes only and does not constitute official Medicare advice. Actual costs may vary. Consult a licensed Medicare advisor for personalized guidance.

Based on official CMS guidelines Updated for 2026 Medicare rates No personal information required

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