Didn't sign up on time? Estimate your Part B and Part D penalties — both last as long as you have the coverage.
Quick answer: Medicare's late-enrollment penalties are permanent surcharges for signing up late. Part B adds 10% for each full 12 months you delayed; Part D adds 1% of the national base premium ($38.99 in 2026) for every uncovered month. Both last as long as you keep the coverage, so enrolling during your Initial Enrollment Period — or a valid Special Enrollment Period — is what avoids them.
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A permanent penalty is the clearest reason a T65 prospect shouldn't wait. Our T65 Pipeline Tracker and Medicare Agent OS (Excel + Google Sheets) keep every turning-65 lead on schedule so nobody you're working misses their window.
See the agent toolkits on Etsy →Both the Part B and Part D late enrollment penalties are permanent — you pay them for as long as you have that coverage.
10% of the standard Part B premium for each full 12-month period you were eligible but didn't enroll. 30 months late = two full years = a 20% penalty.
1% of the national base beneficiary premium ($38.99 in 2026) times the number of full months you went without creditable drug coverage, rounded to the nearest 10 cents.
Yes — enroll during your Initial Enrollment Period, or keep creditable coverage (such as employer coverage) and enroll within the allowed window when it ends. See the Enrollment Period Finder.