Free Tools
Part D Penalty Estimator
Going without creditable drug coverage after you're first eligible adds a permanent Part D penalty — roughly 1% of the national base premium for each month you went without. Like the Part B penalty, it lasts for life. We'll estimate yours and help you stay penalty-free.
Use the Part D penalty estimator below
Enter the number of months you went (or would go) without creditable drug coverage — the calculator uses the official 2026 national base premium ($38.99/mo) to show your exact monthly and annual penalty. Even one month matters: the penalty compounds and lasts for life.
Questions, answered
I don't take any drugs — do I still need Part D?
Often yes, to avoid a lifelong penalty later. A low-cost Part D plan now can be cheaper than the penalty you'd pay if you enroll later.
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