Tools
Medicare Part B Late Enrollment Penalty Calculator
Pass on Part B when you're first eligible, without coverage from a current job (yours or a spouse's), and Medicare will add a late enrollment penalty. It's tacked onto each monthly premium, and most people pay it for life. If you're retiring from a job in the Dallas area, check your dates before you leave the employer plan.
Use the calculator for a quick number. Then read the notes under it to see if the penalty even applies to you.
- An extra 10% for each full year you could have had Part B
- For most people, the charge lasts as long as Part B does
- Coverage from a current job, yours or a spouse's, can shield you
Estimate
Estimate your Part B penalty
Enter your numbers
Leave out any months you or your spouse had coverage through a current job.
This starts at $202.90, the standard amount for 2026. Figuring a different year? Type in the standard premium Medicare sets for it.
What the penalty could cost
- Whole years you went without Part B
- Penalty percentage
- Added to each monthly premium
- Added over a full year
- Estimated monthly premium with penalty
Treat this as a rough guide. Every full 12 months you were eligible for Part B and didn't sign up adds 10% of the standard premium to your bill. That extra charge usually stays for as long as you keep Part B.
Have a licensed agent confirm you owe nothing
Delaying Part B is safe in just a handful of cases. We'll check yours for free.
We'll include your estimate with your request: .
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A licensed agent will call you during business hours, Mon-Fri, 8:30am-5:30pm CT. If you'd rather not wait, call 903-395-5282 now.
During business hours, a licensed insurance agent will phone you, tell you if a penalty applies, and go over your choices. Want to talk sooner? Call 903-395-5282.
Context
When the penalty applies, and when it doesn't
No penalty applies while you're covered by a group health plan from current work, either your own or your spouse's. COBRA, retiree coverage and marketplace plans don't count. After the job ends, an eight-month Special Enrollment Period lets you add Part B penalty-free. If you're retiring from a Dallas, Garland or Rockwall employer, mark that eight-month deadline on the calendar the day your coverage ends.
Part D carries its own late penalty. Thinking of putting off any part of Medicare? Read our pages on Part D drug plans and common mistakes first. Free, unbiased counseling in Texas is available from HICAP (the Health Information, Counseling and Advocacy Program of Texas) at 800-252-9240.
Greenville Senior Insurance is not a government agency
This calculator is for estimates only. Medicare and other government agencies don't run or endorse it. For an official figure, contact Social Security.
Worried you already owe a penalty?
Talk to us before you sign up for anything. You may still have options, like a Special Enrollment Period or asking for equitable relief.