If you didn't sign up for Medicare Part B or Part D when you were first eligible, you may owe a monthly penalty that lasts as long as you have coverage. Use the calculators below to estimate what your penalty could be.
The penalty is 10% of the standard premium for each full 12-month period you could have had Part B but didn't.
Count the months between when you were first eligible for Part B (usually at age 65) and when you actually enrolled — excluding any months you had coverage through an employer group health plan.
The standard Part B premium for 2026 is $202.90. This is pre-filled but you can adjust it.
Enter your details and click "Calculate" to see your estimated Part B penalty.
This penalty is permanent — you'll pay it for as long as you have Part B.
The penalty is 1% of the national base beneficiary premium for each full month you went without creditable drug coverage after your initial enrollment period.
Count the full, continuous months (63 days or more) that you went without Part D or other creditable prescription drug coverage after your Initial Enrollment Period ended.
The national base beneficiary premium for 2026 is $38.99. This changes each year, and your penalty is recalculated annually.
Enter your details and click "Calculate" to see your estimated Part D penalty.
The Part D penalty is recalculated each year based on the current national base beneficiary premium — so the dollar amount may change annually, but the percentage stays the same.
Medicare penalties encourage people to enroll when they're first eligible. Without them, people might wait until they need coverage, which would increase costs for everyone in the program.
You won't face a Part B penalty if you delayed enrollment because you (or your spouse) had coverage through a current employer's group health plan. You'll qualify for a Special Enrollment Period when that coverage ends.
Creditable coverage means your existing prescription plan is expected to pay, on average, at least as much as Medicare's standard Part D plan. Your plan is required to tell you each year whether it's creditable.
In rare cases, you may qualify for an exception — for example, if you received incorrect information from an employer or insurer. A UMA advisor can help you determine if you have grounds to appeal.
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