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Part D Late Enrollment Penalty (LEP) Calculator

Estimate your Medicare Part D late enrollment penalty using uncovered months and the national base premium.

Before you start: A penalty generally applies only if you went 63 days or more in a row without Part D or other creditable prescription drug coverage.
This changes each year. Default shown is 2026.
If entered, we’ll show an estimated total.

We round the penalty to the nearest $0.10, consistent with Medicare’s method.

Your results will appear here
Enter uncovered months and click Calculate.

Disclaimer: Educational estimate only. Actual penalties depend on Medicare’s record of your creditable coverage and exact uncovered months. Confirm your situation with Medicare/SSA or a licensed agent.

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