Part D Penalty Caculator
Estimate your 2026 Part D penalty in seconds. If you missed your enrollment window, use this tool to see the permanent monthly cost added to your drug plan.
*This tool is an estimate only and may not be exact
Part D Late Penalty Calculator
Find out how much your monthly drug plan cost might increase for 2026.
What is this penalty?
If you went 63 days or more without drug coverage after you were first eligible for Medicare, you might owe a monthly "late fee" for as long as you have a drug plan.
Please enter a number that is 0 or higher.
Count the months from the time you first could have joined Medicare until the day your drug coverage actually started.
Enter the number of months above to see your estimated penalty.
Extra Monthly Cost
2026 RATES
$0.00
/ month
This "late fee" is added to your chosen drug plan's monthly price.
Total Yearly Extra
$0.00
The Math Behind It
0% of $38.99
Things to remember:
- It is Permanent: In most cases, you pay this for as long as you have Medicare drug coverage.
- It Changes Yearly: If Medicare's base rate goes up next year, your penalty amount will go up slightly too.
- Employer Coverage: If you had "Creditable Coverage" (insurance as good as Medicare) from a job, you usually don't owe this.
Source: Medicare.gov
Updated for 2026