Penalty Calculator

HEALTH

Initial A

2026 Part A Buy-In Penalty Calculator

Estimate the Medicare Part A monthly premium, late enrollment penalty, and total monthly Part A cost.

Client Information

Work Credit / Premium Tier

Does the 10% Part A Late Enrollment Penalty Apply?

Estimated Monthly Costs

Part A Monthly Premium

$0.00

Premium-free Part A

Estimated Monthly Penalty

$0.00

No 10% penalty applied

Estimated Total Monthly Part A Cost

$0.00

Part A Premium + Estimated Late Enrollment Penalty

Formula: Part A late enrollment penalty is generally 10% of the monthly Part A premium. It may apply for twice the number of years the person delayed enrollment.

Important Disclaimer: These calculations are an estimate only. Actual Medicare premiums and penalties are determined by Medicare and Social Security and may vary based on individual circumstances.

B Penalty

2026 Part B Penalty Calculator

Estimate the Medicare Part B late enrollment penalty and total monthly Part B premium.

Client Information

Number of Full 12-Month Periods Delayed

2026 Standard Part B Premium

Estimated Monthly Costs

Standard Part B Premium

$202.90

This is the monthly base premium used for the estimate.

Estimated Monthly Penalty

$0.00

0 full 12-month periods × 10% = 0% penalty

Estimated Total Monthly Part B Cost

$202.90

Standard Part B Premium + Estimated Penalty

Formula: Part B penalty is generally 10% of the standard Part B premium for each full 12-month period the person could have had Part B but did not enroll.

Important Disclaimer: These calculations are an estimate only. Actual Medicare penalties and premiums are determined by Medicare and Social Security and may vary based on individual circumstances.

D Penalty

2026 Part D Penalty Calculator

Estimate the Medicare Part D late enrollment penalty and total monthly drug plan cost.

Client Information

Number of Full Months Without Creditable Drug Coverage

Monthly Part D Plan Premium

2026 National Base Beneficiary Premium

Estimated Monthly Costs

Part D Plan Premium

$0.00

This is the monthly plan premium entered above.

Estimated Monthly Penalty

$0.00

0 months × 1% × $38.99 = $0.00

Estimated Total Monthly Part D Cost

$0.00

Part D Plan Premium + Estimated Late Enrollment Penalty

Formula: Part D penalty is generally 1% of the national base beneficiary premium multiplied by the number of full uncovered months. The amount is usually rounded to the nearest $0.10.

Important Disclaimer: These calculations are an estimate only. Actual Medicare penalties and premiums are determined by Medicare, Social Security, and the selected Part D plan. Final amounts may vary.

IRMAA(Income Related Monthly Adjustment Amount) Penalty

2026 IRMAA Calculator

Estimate total monthly Medicare Part B and Part D costs based on filing status, income level, and monthly Part D plan premium.

Client Information

Tax Filing Status

2024 Income Level for 2026 IRMAA

Monthly Part D Plan Premium

Estimated Monthly Costs

Total Part B Cost

$202.90

Standard Part B $202.90 + Part B IRMAA $0.00

Total Part D Cost

$0.00

Part D premium $0.00 + Part D IRMAA $0.00

Standard premium • $109,000 or less

Estimated Total Monthly Medicare Cost

$202.90

Total Part B + Total Part D

Important Disclaimer: These calculations are an estimate only. Actual Medicare premiums are determined by Social Security and may vary based on official income records, plan selection, and other factors such as appeals or special circumstances.

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