Medicare Late Enrollment Penalty Calculator
Estimate potential Medicare Part D and Part B late enrollment penalties. This tool is for education only and does not replace an official Medicare determination.
Part D Drug Coverage Penalty
Use this if someone went without Medicare drug coverage or other creditable prescription drug coverage.
Count full months without Part D or creditable drug coverage after the enrollment window.
2026 default: $38.99. Update this each year when Medicare releases the new amount.
Enter the plan premium to estimate the premium plus penalty.
Estimated Part D penalty
$0.00/mo- Penalty percentage0%
- Annual penalty estimate$0.00
- Plan premium + penalty$0.00/mo
Part B Medical Coverage Penalty
Use this if someone delayed Part B and did not qualify for a Special Enrollment Period.
Medicare generally counts only full 12-month periods for the Part B penalty.
2026 default: $202.90. Update this each year when Medicare releases the new amount.
Estimated Part B penalty
$0.00/mo- Full 12-month periods0
- Penalty percentage0%
- Estimated Part B premium with penalty$202.90/mo