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Late Enrollment Penalty Calculator

Estimate your permanent penalty for delayed enrollment

Enter months to calculate

How penalties work

Part B: 10% for each full 12-month period you delayed
Part D: 1% for each month without creditable coverage

Penalties can last for life

Talk through enrollment timing before you decide.

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Important disclosures

UniHealth Insurance Solutions LLC is a wholly owned subsidiary and licensed California insurance agency (TPMO). It handles Medicare plan enrollment only. We may receive commission if you enroll in a plan we discuss. This is not an official Medicare or government website. For official information, visit Medicare.gov or call 1-800-MEDICARE. We do not sell or share your contact information with third-party marketers.

UniHealth Technologies, Inc. is the parent company (Delaware benefit corporation). It operates this website, the AI platform, and care-program technology.

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