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?

No. Unlike the Part D penalty, the Part B late enrollment penalty is permanent and applies for as long as you're enrolled in Part B, unless you qualify for a Special Enrollment Period exception that removes it retroactively.

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.

Free Tool

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.

When did you turn 65?

Did you have creditable employer coverage after 65?

Yes No

When did that coverage end?

When are you enrolling in Part B?

12-month periods delayed0

Monthly penalty$0.00

Total monthly Part B premium$202.90

This penalty is permanent and lasts as long as you have Part B.

Avoid penalties — talk to a licensed agent free.

Book Free Consultation →

Informational purposes only. This is an educational estimate, not a determination of your actual penalty. Only the Social Security Administration and CMS can confirm your exact Part B enrollment status and penalty. Price Services Group is an independent agency not connected with or endorsed by the U.S. government or the federal Medicare program.