Medicare late penalty calculator

If you signed up for Part B or a drug plan late, a penalty is added to your premium, usually for life. Estimate how much.

Months you could have had Part B but did notCount from the end of your 7-month sign-up window to the month your Part B started. Do not count months when you had health coverage from your own or your spouse’s current job. Enter 0 if none.

Months without drug coverage after you could first join a drug planCount only gaps of 63 days or more without a Medicare drug plan or other drug coverage that is as good. Enter 0 if none.

Show my estimate

How the penalties work

• Part B: 10% of the standard premium for each full 12 months you could have had Part B. In 2026 the standard premium is $202.90.
• Part D: 1% of the national base premium for each month without drug coverage, rounded to the nearest 10 cents. In 2026 the base premium is $38.99.
• Both penalties change each year with the premium, and usually last as long as you have that coverage.
• People with Extra Help do not pay the Part D penalty. People who got Part B before 65 because of a disability have the Part B penalty removed at 65.
• If you think the penalty is wrong, you can ask for a review. The letter about your penalty explains how.

Medicare sign-up date finder · Extra Help guide