Readiness · Live reading
The Cost of Enrolling Late
Plan with confidence. Move a dial — your result responds instantly.
Calibrate
Drag to set each value — estimates are fine.
How long after your enrollment window ended before you signed up (or plan to). Only full 12-month periods count.
Months with neither a Part D plan nor other drug coverage that counts (employer, VA, etc.).
The penalty lasts as long as your coverage does.
JS
John Smith
RR Medicare
Turn this reading into a plan — a quick conversation is the fastest next step.
mark+rrmedicare@prospectmatch.netWhat this means for you
Get a plain-English summary of your reading.
Levers that move this
- Months past your window without Part B
- Months without creditable drug coverage
- Years you expect to have Medicare
Drag these dials above to see the effect instantly.
Track your progress over time
Save your reading and watch it change as you adjust your plan — create a free account in seconds.
- This is an educational estimate of Medicare late-enrollment penalties, not an official penalty determination.
- Penalties are recalculated each year against that year's premiums; this estimate holds the 2026 figures level, so the true lifetime cost grows as premiums do.
- Creditable employer coverage usually lets you delay without penalty — COBRA and retiree coverage generally do NOT count for Part B. Confirm your situation with Medicare or Social Security.
- This tool is not affiliated with or endorsed by Medicare, CMS, or any government agency.