Tools
Medicare Part B Late Enrollment Penalty Calculator
Medicare charges a late enrollment penalty if you don't sign up for Part B when you're first eligible and you don't have coverage from a job you or your spouse still works at. The surcharge is added to your monthly premium, and for most people it never goes away.
Use the calculator below for a quick estimate, then read the notes so you know whether the penalty applies to you at all.
- 10% added for each full 12 months delayed
- The surcharge usually lasts as long as you have Part B
- Employer coverage from active work protects you
Estimate
Calculate your Part B penalty
Enter your details
Only count months you had no employer coverage from active work.
Use the current year's standard premium published by Medicare.
Estimated penalty
- Full 12-month periods delayed
- 1
- Penalty rate
- 10%
- Added each month
- $18.50
- Added each year
- $222.00
- Your estimated total premium
- $203.50
Estimate only. Medicare calculates the penalty as 10% of the standard premium for each full 12-month period you could have had Part B but didn't, and it generally applies for as long as you have Part B.
Context
When the penalty does and doesn't apply
You're protected while you have group health coverage based on current employment — yours or your spouse's. Retiree coverage, COBRA and marketplace plans do not count. When that active employment ends, you get an eight-month Special Enrollment Period to take Part B without penalty.
Drug coverage has its own separate penalty. If you're weighing whether you can delay, read about Part D drug plans too, and see the full list of mistakes to avoid.
Waco Senior Insurance is not a government agency
This calculator is an educational estimate and is not affiliated with or endorsed by Medicare or any government agency. For an official determination, contact Social Security.
Think you may already owe a penalty?
Call us before you enroll. In some cases an equitable relief request or a Special Enrollment Period applies.