Part B Late Enrollment
Penalty Calculator
The Part B late-enrollment penalty is permanent: 10% added to your premium for each full 12 months you could have had Part B but didn’t. Enter how many months late you were to estimate it against the 2026 standard premium of $202.90.
Enrolling in Part B after your Initial Enrollment Period — without a Special Enrollment Period — usually triggers a permanent penalty. Estimate it below.
Usually Permanent
Once the penalty applies, it's added to your Part B premium for as long as you have it.
10% Per Full Year
Your Part B premium goes up 10% for each full 12 months you could have had it but didn't.
Based on the 2026 Premium
Estimated against the 2026 standard Part B premium of $202.90.
Had Coverage? Maybe Not
Employer, union, or VA coverage often counts as creditable coverage — no penalty owed.
Your estimated penalty
Enter your details to see an estimate.
If you had employer coverage when you delayed, you may owe no penalty at all — see the General Enrollment Period and missed-enrollment guides, or call us to check.
Frequently Asked Questions
Is the Part B penalty permanent?
How do I avoid the penalty?
Sources
- Avoid late-enrollment penalties — Medicare.gov
Talk to a local, licensed agent
Rocco DeLuca can walk you through your options — free, no pressure.