The Part B late-enrollment penalty is set by law: for each full 12-month period you could have had Part B but didn't sign up, your premium goes up by 10% — and in most cases you pay it for as long as you have Part B. Enter your numbers below to estimate the impact.
The standard Part B premium changes every year, so enter the current amount from Medicare.gov for an up-to-date estimate. Your own premium may also be higher due to IRMAA if your income is above the annual thresholds.
For educational estimates only. This tool gives a general estimate based on the numbers you enter. It is not a quote, an application, or a determination of benefits, eligibility, or price. Nothing is stored from what you type here — the estimate is calculated in your browser.
Figures that change every year — such as the standard Part B premium, the Part D national base beneficiary premium, and IRMAA income brackets — are entered by you so the math always reflects the current year. Always verify current amounts at Medicare.gov or 1‑800‑MEDICARE.
Maru Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1‑800‑MEDICARE to get information on all of your options.
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Written and reviewed by Vadim Marusin, a licensed independent insurance agent. Maru Insurance is an independent agency (WA License WAOIC #1365574, FL License #G363233) representing multiple A-rated carriers across Washington and Florida.