Part B Penalty Checker
The Part B late-enrollment penalty is 10% of the standard premium for every full 12 months you could have had Part B but didn't. It sticks around as long as you have Part B.
Estimated penalty
+$18.50/ month
1 full year late × 10% = 10% penalty on the 2025 standard Part B premium of $185.
Penalties last as long as you have Part B and grow as the standard premium rises.
Estimate only. Actual penalty is set by Social Security based on your dates and creditable coverage records. Verify at Medicare.gov.
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