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GetFastRates.com

Medicare Part B Late Enrollment Penalty Calculator

Went without Medicare Part B or other creditable coverage for a while? Enter your dates to see whether a late-enrollment penalty likely applies and roughly how much.

When were you first eligible for Part B?

Usually the month your Initial Enrollment Period ended.

When did you enroll in Part B (or when do you plan to)?
Did you have other creditable coverage (like active employer group coverage) for the entire gap?

Part B penalty questions

How long does the Part B penalty last?

Generally for as long as you have Medicare Part B -- it's added to your premium every month, not a one-time fee. That's what makes catching a missed enrollment window early so valuable.

Does having employer coverage protect me from the penalty?

Active employer group health coverage (typically from an employer with 20 or more employees) can qualify you for a Special Enrollment Period with no penalty, as long as you enroll within its window after that coverage ends. COBRA and retiree coverage generally do not count as creditable for this purpose.

Is this the exact amount I'll be charged?

No -- this is an educational estimate using the 2026 standard Part B premium and published penalty rules. Social Security determines your actual penalty based on your specific enrollment history, and some beneficiaries pay an income-adjusted premium (IRMAA) on top of any penalty.