Medicare Penalty & IRMAA Calculators
Estimate late enrollment penalties and income-related monthly adjustment amounts. Free for clients and agents — no login required.
Estimation tool only. These calculators provide approximate figures based on official CMS 2026 amounts. Actual penalties and IRMAA surcharges are determined by CMS and the Social Security Administration. Always confirm final amounts with a licensed broker or Medicare.gov.
Part D Late Enrollment Penalty
Enter the client's uncovered months to estimate their lifetime monthly penalty.
The number of full months the client was eligible for Part D but didn't have creditable prescription drug coverage.
This amount changes yearly. For 2024 it is $34.70, for 2025 it is $36.78, and for 2026 it is $38.99.
Estimated Monthly Penalty
This amount is added to the client's monthly Medicare Part D premium for as long as they have Medicare prescription drug coverage.
Estimate only — actual penalty determined by CMS.
How is this calculated?
Medicare calculates the penalty by multiplying 1% of the "national base beneficiary premium" by the number of full, uncovered months the client didn't have Part D or creditable coverage.
The monthly penalty is rounded to the nearest $0.10 and added to their monthly Part D premium.
Important — Please Read
These calculators are provided by Health Plus One Insurance Agency for general estimation purposes only. All penalty and IRMAA figures are based on official CMS 2026 amounts but may not reflect your specific situation. Actual amounts are determined by CMS and the Social Security Administration based on your individual circumstances, including exact income, filing status, and coverage history.
Health Plus One Insurance Agency is not responsible for any decisions made based on these estimates. For exact figures, contact Medicare.gov at 1-800-MEDICARE or speak with one of our licensed brokers.
Questions about your Medicare costs?
Our licensed brokers can help you understand your penalties, IRMAA surcharges, and find a plan that fits your budget — all at no cost to you.