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Medicare Part B Late Enrollment Penalty Calculator
Estimate the permanent monthly penalty added to your Part B premium if you enrolled later than your Initial Enrollment Period without creditable employer coverage.
This penalty is permanent and lasts as long as you have Part B.
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How is the Medicare Part B late enrollment penalty calculated?
For each full 12-month period you were eligible for Part B but not enrolled and didn't have creditable employer group health coverage, Medicare adds 10% of the standard Part B premium ($202.90 in 2026) to your monthly premium.
Does the Part B penalty ever go away?
Usually, you pay the Part B late enrollment penalty for as long as you have Part B. Some people qualify for an exception, such as a Special Enrollment Period. Medicare can confirm which rules apply to your situation.
Can I avoid the Part B penalty if I have employer coverage?
If you or your spouse are still actively working and have group health coverage through that employer (generally 20+ employees), you can usually delay Part B without penalty and enroll later during a Special Enrollment Period once that coverage ends.