Late Enrollment Penalty Calculator

Estimate the lifetime cost of delaying Part B enrollment past your Initial Enrollment Period — especially important since TRICARE doesn't qualify for an SEP.

Answers the question: "What would it cost me to miss my Part B deadline?"

Educational estimate only. The Social Security Administration and CMS make the final late-enrollment penalty determination. TRICARE / TFL by itself generally does not create a Part B Special Enrollment Period.

Your situation

Birth monthBirth yearPart B start — monthPart B start — year

During the delay…I (or my spouse) had active employer group coverage (20+ employees)I was relying only on TRICARE / TFL — no active employer coverageI had creditable prescription drug coverage (TRICARE Pharmacy generally counts)

How this is calculated

The Part B late-enrollment penalty is generally 10% of the standard Part B premium per full 12 months you were eligible but not enrolled.
SSA / CMS make the final eligibility and penalty determination.
Active employer group coverage (20+ employees) can trigger an 8-month Special Enrollment Period after that coverage ends.
This tool uses the 2026 standard Part B premium ($202.90).

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Continue your planning journey. Every tool is educational — no enrollment required.

Every tool cites official CMS, SSA, and Defense Health Agency sources where applicable.

Late Enrollment Penalty Calculator

Your situation

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