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2026 figures

Part B late enrollment penalty

Estimate the 10% Part B surcharge for each full 12-month delay.

1 full 12-month period × 10% × $202.90

Estimated extra Part B amount: $20.29 per month ($243.48 per year), for as long as you have Part B.

Social Security sets the official penalty. This does not include IRMAA.

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Educational estimate using public 2026 CMS figures. Not a bill, not a determination, and not a plan recommendation. Confirm on Medicare.gov or with Social Security. We are not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

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Educational answers — not a plan recommendation.