2027 Medicare Penalty Calculator
Accurate Health Plans | Estimate your Part B and Part D late enrollment penalties.
Calculate your penalty
The same months are used for both estimates. Actual periods may differ.
Projected amount; editable until final CMS rate is published.
Official national base; not your plan premium.
Estimated monthly penalty
Enter the months delayed and select Calculate Penalty.
Combined Monthly Penalty$0.00
How penalties work
- Part B: Generally 10% for each full 12-month delay.
- Part D: Generally 1% of the national base premium per uncovered month, rounded to the nearest 10 cents.
How to avoid penalties
- Enroll when first eligible or under a valid special enrollment period.
- Keep proof of eligible employer coverage.
- Maintain creditable prescription drug coverage.
Educational estimate only. CMS determines actual penalties. Part B and Part D late-enrollment periods can be different. The Part B figure is provisional; the Part D national base figure is official for 2027.
Medicare Part B Enrollment Forms
Download the official CMS forms:
Questions? Call 800-235-0876