Part B Penalty Caculator
Estimate your 2026 Part B penalty in seconds. If you delayed your enrollment without employer coverage, use this tool to calculate the permanent monthly surcharge added to your premium.
*This tool is an estimate only and may not be exact
Part B Late Penalty Calculator
Estimate the lifetime surcharge for delaying Medicare Part B.
What is the "10% Rule"?
Medicare adds 10% to your monthly Part B premium for every full 12-month period you were eligible but didn't sign up. Unlike other fees, this penalty lasts for life.
Please enter a number that is 0 or higher.
Only full 12-month increments trigger a penalty increase (e.g., 11 months = no penalty, 12 months = 10% penalty).
Enter the total months delayed to calculate your fee.
Monthly Penalty Fee
2026 RATES
$0.00
/ month
This amount is added to the standard Part B premium ($202.90) every month.
Total Monthly Premium
$202.90
Penalty Percentage
0%
Key Part B Rules:
- Permanent Cost: In almost every case, you pay this penalty for as long as you have Part B.
- Full 12-Month Rule: The penalty only increases once you hit a full 12-month milestone of no coverage.
- Job-Based Insurance: If you had "Active Employment" coverage, you may be eligible for a Special Enrollment Period (SEP) to sign up without any penalty.
Source: Medicare.gov
Standard Part B: $202.90