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Part B Late Enrollment Penalty (LEP) Calculator

Estimate the Part B late enrollment penalty based on the number of full 12-month periods you delayed enrollment.

Important: If you (or your spouse) had group health coverage from current employment, you may qualify for a Special Enrollment Period (SEP) and avoid the Part B penalty.
Default shown is the 2026 standard premium.
Total = standard premium + penalty (estimate).

Medicare calculates the Part B penalty as 10% for each full 12-month period you delayed (if no SEP applies).

Your results will appear here
Enter delayed periods and click Calculate.

Disclaimer: Educational estimate only. Actual penalty depends on Medicare’s determination of eligibility, SEP status, and timing. Confirm details with Medicare/SSA or a licensed agent.

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