Part B Late Enrollment Penalty Calculator

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Estimated Monthly Part B Penalty: $0.00

Medicare calculates the Part B penalty by taking 10% of the monthly Part B premium and multiplying it by the number of 12 months periods someone has gone without creditable health insurance coverage.

Note: If you’ve been without credible coverage for less than 12 months then there’s no penalty or you won’t have to pay a Part B penalty if you qualify for a Special Enrollment Period. You may also pay a higher premium depending on your income. More information can be found on

**This tool is an estimate only and may not be exact.

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