Free Tools
Part B Penalty Estimator
If you don't sign up for Part B when first eligible and don't have creditable coverage, a permanent penalty is added to your premium — 10% for each full 12-month period you could have had it. The penalty lasts as long as you have Part B. We'll estimate yours and show you how to avoid it.
Use the penalty estimator below
Enter the number of months you'd delay past eligibility — the calculator uses the actual 2026 standard Part B premium ($202.90/mo) to show your exact penalty percentage, monthly dollar amount, and annual cost. Example: a 36-month delay adds 30% permanently ($60.87/mo on the 2026 premium).
Questions, answered
How do I avoid the Part B penalty?
Enroll during your Initial Enrollment Period, or keep creditable employer coverage and use a Special Enrollment Period when it ends. We track your dates.
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