Tools
Medicare Part B Late Enrollment Penalty Calculator
If you don't sign up for Part B when you first qualify, and you don't have coverage from a job you or your spouse still works at, Medicare charges a late enrollment penalty. It's added to your monthly premium, and for most people it stays for life.
Use the calculator below for a quick estimate. Then read the notes under it to see whether the penalty applies to you at all.
- 10% added for each full 12 months without Part B
- The extra charge usually lasts as long as you have Part B
- Coverage from a current job can protect you
Estimate
Estimate your Part B penalty
Your details
Leave out any months you had coverage from a job you or your spouse was still working at.
Filled in with the 2026 standard premium of $202.90. Change it to the current year's standard premium from Medicare if it has changed.
Your estimated penalty
- Full 12-month periods without Part B
- Penalty rate
- Extra cost per month
- Extra cost per year
- Your estimated total premium
This is only an estimate. Medicare adds 10% of the standard premium for each full 12 months you could have had Part B and didn't. In most cases the extra charge stays as long as you have Part B.
Have a licensed agent confirm you're penalty-free
Waiting on Part B is only safe in a few cases. A check is free.
Your estimate goes along 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 314-463-5815 now.
A licensed insurance agent calls you back during business hours to tell you whether this penalty applies and what you can do about it. Rather talk now? Call 314-463-5815.
Context
When the penalty applies
You're protected while you have group health coverage from a current job, yours or your spouse's. Retiree coverage, COBRA and marketplace plans don't count. When that job ends, you get an eight-month Special Enrollment Period to sign up for Part B with no penalty.
Drug coverage has a penalty of its own. If you're thinking about waiting on anything, read about Part D drug plans as well, and look over the mistakes to avoid. For free counseling in Missouri, Missouri SHIP takes calls at 800-390-3330.
St. Louis Senior Insurance is not a government agency
This calculator gives an estimate for learning purposes. It isn't connected to or endorsed by Medicare or any government agency. For an official answer, contact Social Security.
Think you might already owe a penalty?
Call us before you sign up anywhere else. Sometimes an equitable relief request or a Special Enrollment Period still applies.