Medicare Penalty Calculator for Utah
How Much Could Medicare Late Enrollment Cost You?
This Medicare penalty calculator Utah seniors can use shows your exact Part B and Part D late enrollment penalty in seconds. Missing your Medicare enrollment window is one of the most expensive mistakes a senior can make. The Medicare penalty calculator on this page helps you find out exactly how much you could owe in permanent monthly penalties — so you can take action before it’s too late. As a local Sandy, Utah Medicare advisor serving Salt Lake County, Fores Boo helps seniors avoid these costly mistakes every day.
The Medicare late enrollment penalty for Part B is 10% of the standard premium for every 12-month period you went without coverage. For Part D, it is 1% of the national base premium for every month you were late. Both penalties are permanent — they stay on your bill for as long as you have Medicare. The standard Part B premium is $202.90 (2026, Source: CMS) per month. Use the Medicare penalty calculator below to see your exact numbers.
Part B Late Enrollment Penalty Calculator
Part B late enrollment penalty estimator
Estimate the Medicare Part B penalty if you signed up after your Initial Enrollment Period (IEP). The penalty is 10% of the standard Part B premium for each full 12 months you could have had Part B but didn't.
Figures: 2026 standard Part B premium $202.90/month (CMS, "2026 Medicare Parts A & B Premiums and Deductibles," Nov. 14, 2025). The penalty is recalculated each year from that year's standard premium and usually lasts as long as you have Part B. The 2027 premium had not been released by CMS as of October 2026. Results are estimates for education only; Social Security and Medicare make the final penalty decision. Boo Insurance Services, Fores Boo, licensed agent (NPN 17255694). Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Part D Late Enrollment Penalty Calculator
Part D late enrollment penalty estimator
If you went 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period, Medicare adds a penalty: 1% of the national base beneficiary premium for each full uncovered month.
Figures: national base beneficiary premium $38.99 for 2026 and $41.33 for 2027 (CMS Part D bid announcements, July 28, 2025 and July 28, 2026). The penalty is rounded to the nearest $0.10, recalculated each year from that year's base premium, and usually lasts as long as you have Medicare drug coverage. People who qualify for Extra Help don't pay this penalty. Results are estimates for education only; Social Security and Medicare make the final penalty decision. Boo Insurance Services, Fores Boo, licensed agent (NPN 17255694). Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Still Have Questions About Your Medicare Penalty?
Every situation is different. If you had employer coverage, a Special Enrollment Period, or other qualifying circumstances, you may be fully exempt from Medicare late enrollment penalties. Fores Boo has helped hundreds of seniors in Sandy, South Jordan, Murray, Draper, and Salt Lake City navigate exactly these situations — at no cost. Call 801-255-5341 or schedule a Medicare penalty review today. If cost is the concern, it is also worth reviewing Medicare Savings Programs in Utah, which can help eligible Utahns with monthly Medicare costs.