Tools
Medicare Part B Late Enrollment Penalty Calculator
Medicare charges a late enrollment penalty if you skip Part B when you first qualify and you don't have group coverage from a job that you or your spouse still hold. The penalty is added to your monthly premium, and for most people it never goes away.
The calculator gives you a fast estimate. The notes below it explain when the penalty applies and when it doesn't, which matters as much as the number.
- 10% added for every full 12 months you went without it
- Most people keep paying it as long as they have Part B
- Job-based coverage from current work can protect you
Estimate
Estimate your Part B penalty
Your details
Don't count months when you had group coverage through current work, yours or your spouse's.
Set to the 2026 standard premium of $202.90. For a later year, enter the standard premium Medicare announces for that year.
Your estimated penalty
- Full 12-month periods delayed
- Penalty rate
- Extra cost per month
- Extra cost per year
- Your estimated total premium
This is an estimate only. Medicare adds 10% of the standard premium for each full 12 months you were eligible for Part B and went without it. Most people pay the added amount as long as they're enrolled in Part B.
Have an agent confirm you owe no penalty
Delaying Part B is safe in only a few situations. We'll review yours free.
We'll send your estimate with your request: .
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A licensed agent will call you during business hours, Mon-Fri, 9:30am-6:30pm ET. If you'd rather not wait, call 561-000-0000 now.
During business hours, a licensed insurance agent calls you back to explain whether the penalty applies and what you can do. Prefer to talk now? Call 561-000-0000.
Context
When the penalty applies, and when it doesn't
Group health coverage from current work, yours or your spouse's, keeps you safe. Retiree plans, COBRA and marketplace coverage don't. Once the job or the coverage ends, you get an eight-month Special Enrollment Period to join Part B without a penalty. Retirees who moved to Florida from another state follow the same rules.
Part D carries a separate penalty. If you plan to delay any part of Medicare, also read about Part D drug plans and the mistakes to avoid. For free, unbiased counseling in Florida, call SHINE (Serving Health Insurance Needs of Elders), Florida's free Medicare counseling program, at 1-800-963-5337.
Palm Beach Senior Insurance is not a government agency
This calculator is for estimates and learning only. Medicare and other government programs don't run or endorse it. For an official ruling, contact Social Security.
Worried you already owe a penalty?
Call before you enroll anywhere. A Special Enrollment Period or a request for equitable relief may still help.