Part B Penalty Calculator

Estimate a Part B Late Penalty

The Part B late-enrollment penalty adds 10% to the standard premium for every full 12-month period someone was eligible for Part B but didn't enroll, and didn't have other creditable coverage. Use the numbers below to see roughly how that math works out.

Full 12-month periods eligible for Part B but not enrolled (without other creditable coverage)

Standard Part B monthly premium (example figure — changes every year)

The Math, Step by Step

Penalty percentage = 10% × 1 period10%

Penalty amount = $185.00 × 10%$18.50 / month

Estimated new monthly premium = $185.00 + $18.50$203.50 / month

This is an educational estimate only. Your actual penalty is calculated by Medicare and Social Security and may account for additional factors not reflected here. Confirm your specific situation at ssa.gov or medicare.gov.

Continue Learning

Late Penalties

Part B, Part D, and Part A penalty rules explained.

Turning 65

Enroll on time and avoid the penalty altogether.

Working Past 65

How the Special Enrollment Period can prevent this penalty.