Penalty Calculator

HEALTH

Initial A

Part A- Touch/Click & See

Part A

Most people get Medicare Part A without paying a premium because they or their spouse paid Medicare taxes while working 40 quarters/10+ years. If you don’t qualify for premium-free Part A and delay enrolling when you’re first eligible, you may have to pay a late enrollment penalty. This penalty adds 10% to your monthly premium, and you’ll pay the higher amount for twice as many years as you delayed.

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B Penalty

C Penalty

Part B -Touch/Click & See

Part B

Yes, a penalty for signing up late for Medicare Part B if you don’t qualify for a Special Enrollment Period. Each full year you delay enrollment, your monthly premium goes up by 10%, and you’ll pay this higher amount for as long as you have Part B-usually for life. The longer you wait, the bigger your penalty. If you have qualifying coverage, like employer insurance, when you first become eligible, you can avoid the penalty. This tool is an Estimate and may not be Exact.

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Part C- Touch/Click & See

Part C

There are no late enrollment penalties for Medicare Part C (Medicare Advantage) itself. However, you must have both Part A and Part B to join, and any penalties you owe for late enrollment in those parts will still apply and be included in your Medicare Advantage premiums. The plan itself does not charge a separate late penalty.

D Penalty

IRMAA(Income Related Monthly Adjustment Amount) Penalty

Part D- Touch/Click & See

Part D

Yes, there is a penalty for signing up late for Medicare Part D if you go 63 days or more without creditable prescription drug coverage. The penalty is 1% of the national base premium ($36.78 in 2025) for each month you delayed, added to your monthly premium for as long as you have Part D-even if you switch plans.
This tool is an Estimate and may not be Exact.

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IRMAA / Touch/Click & See

IRMAA(Income-Related Montly Adjustment Amount)

"If you think you may be subject to IRMAA, our calculator can help you estimate your surcharge based on your filing status and income. Keep in mind, this is only an estimate—not an exact amount."

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