Tools
Part B Late Enrollment Penalty Calculator
Medicare charges a late enrollment penalty when you pass on Part B at first eligibility without job-based coverage from your own current work or your spouse's. The penalty rides on top of your monthly premium. Most people pay it for life.
The calculator below gives you a quick estimate. The notes under it explain whether the penalty applies to you in the first place.
- 10% added for every full 12 months without Part B
- In most cases you keep paying it while you're on Part B
- Current job coverage can keep you safe from it
Estimate
Estimate your Part B penalty
Your details
Leave out any months you were covered through current work, yours or your spouse's.
Set to the 2026 standard premium of $202.90. If Medicare has announced a newer standard premium, enter that instead.
What the penalty may come to
- Whole years (12 months) you went without Part B
- Surcharge percentage
- Added to each monthly bill
- Added over a full year
- Your estimated total premium
Treat this as a ballpark figure. The penalty is 10% of the standard premium for each full 12 months you were eligible for Part B and went without it. In most cases, you'll keep paying it for as long as you're on Part B.
Ask a licensed agent to confirm you owe no penalty
Delaying Part B is safe only in a few situations. A check costs nothing.
Your estimate is sent with your request: .
Thanks, we have your request.
A licensed agent will call you during business hours, Mon-Fri, 8:30am-5:30pm CT. If you'd rather not wait, call 601-000-0000 now.
A licensed insurance agent calls you back during business hours to explain whether this penalty applies and what you can do. Want to talk now? Call 601-000-0000.
Context
Who owes the penalty
You're protected while you have group health coverage through current work, whether the job is yours or your spouse's. Retiree coverage, COBRA and marketplace plans don't protect you. Once the job ends, an eight-month Special Enrollment Period lets you enroll in Part B with no penalty.
Drug coverage carries its own penalty. If you're thinking about waiting on any part of Medicare, read about Part D drug plans too, and look over the mistakes to avoid. For free counseling in Mississippi, call Mississippi SHIP at 844-822-4622.
Jackson Senior Insurance is not a government agency
Use this tool for a rough planning number. Medicare and other government offices have no tie to it and don't endorse it. Social Security can give you an official answer.
Think you may already owe a penalty?
Call us before you enroll anywhere else. An equitable relief request or a Special Enrollment Period may still apply.