2026 Medicare estimator
Estimate a Part B or Part D late-enrollment penalty
Enter full delayed or uncovered months to see an educational estimate. The tool uses the 2026 standard Part B premium and Part D national base beneficiary premium published by Medicare.
Part B estimate
Full months Part B was delayed
Medicare generally counts each full 12-month period you could have had Part B but did not. Enter 0 if Medicare has not told you a penalty applies.
Estimated penalty percentage
20%
- Full 12-month periods
- 2
- Estimated monthly penalty portion
- $40.60
- Estimated 2026 Part B monthly total
- $243.50
Part D estimate
Full uncovered Part D months
Use the number of full months Medicare says you went without Part D or other creditable drug coverage after your eligible window.
Estimated 2026 monthly Part D penalty
$5.50
- Penalty percentage
- 14%
- 2026 national base beneficiary premium
- $38.99
Estimate only
This tool does not decide whether a penalty applies. Special Enrollment Periods, employer coverage, disability, Extra Help, creditable drug coverage, and other facts can change the result. Medicare or your plan determines the official amount. The numbers you type stay in this browser and are not submitted with a lead form.
How the estimate works
Understand the inputs before using the result
The formulas are simple, but deciding whether a penalty applies can depend on details this calculator does not know.
Part B
Medicare generally adds 10% of the standard Part B premium for each full 12-month period a person could have had Part B but did not, unless an exception or Special Enrollment Period applies.
Part D
Medicare generally multiplies 1% of the current national base beneficiary premium by the number of full uncovered months. The result is rounded to the nearest dime.
Official sources
Verified 2026-07-21; scheduled for review by 2026-09-15. Use Medicare.gov for the official decision or amount.
Common questions
Late-enrollment penalty FAQs
Does this calculator decide whether I owe a Medicare penalty?
No. It estimates an amount from months you enter. Medicare or the plan determines whether a penalty applies and the official amount.
Why can a Part D estimate change next year?
The Part D calculation uses the national base beneficiary premium, which can change each year. A penalty can therefore change even when the number of uncovered months stays the same.
Does the calculator save my information?
No. The month values are calculated in your browser and are not submitted through a lead form.
Get help
Not sure which months should count?
A licensed agent can help you organize the coverage and timing questions, while Medicare or the plan makes the official penalty determination.
- Licensed insurance agency support
- Phone and online Medicare help
- Private agency, not government
- Support before and after enrollment
Friendly support, careful disclosures
Choose the Medicare help path that fits you best right now.