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.
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?
Yes. Once it applies, you pay it for as long as you have Part B. That’s why it’s worth checking whether a Special Enrollment Period could let you avoid it entirely.
How do I avoid the penalty?
If you had creditable coverage (like an active employer plan), you likely qualify for a penalty-free Special Enrollment Period. Check before enrolling during the General Enrollment Period.
Sources
- Avoid late-enrollment penalties — Medicare.gov
Talk to a local, licensed agent
Rocco DeLuca can walk you through your options — free, no pressure.