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2026 figures
Medicare Part B Penalty Calculator for Arizona
Medicare adds 10% of the standard Part B premium for every full 12 months you could have had Part B but did not sign up. Enter how many months you went without it and see the 2026 cost per month, per year and over ten years.
- Built on published 2026 figures
- Everything runs in your browser
- Nothing you type is sent anywhere
- Free, with no email or sign-up
Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Uses the 2026 standard Part B premium of $202.90 a month, published by CMS.
- Only FULL 12-month periods count. Eleven months late adds nothing; twelve months adds 10%.
- Months covered by a job-based plan (yours or your spouse’s, from current work) usually do not count, thanks to a Special Enrollment Period.
- The penalty is generally added for as long as you have Part B, and it rises when the standard premium rises.
- People enrolled in a Medicare Savings Program generally do not pay the Part B penalty.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Where the figures come from
- CMS 2026 Medicare Part B premium, deductible and IRMAA amounts Centers for Medicare & Medicaid Services, 2026
- Medicare late enrollment penalty rules Centers for Medicare & Medicaid Services (Medicare.gov), 2026
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real 2027 Medicare plans for your ZIP code:
Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
We do not offer every plan available in your area. Currently we represent 34 organizations which offer 64 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
In clients' words
What working with Viola looks like
I’m very happy I went to Viola at Rise up Benefits Group for my Medicare enrollment. I was inundated with mail and way too much information. I have been with Champ VA for 9 years so it gets confusing what to sign up for without losing those benefits as they become secondary. Viola explained everything and picked out the best option for me. I highly recommend her as it made this transition very smooth.
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Common questions
How much is the Medicare Part B late enrollment penalty?
10% of the standard Part B premium for each full 12 months you could have had Part B but did not sign up. In 2026 the standard premium is $202.90, so 24 months late means a 20% penalty and a premium of $243.50 a month.
Does the Part B penalty last forever?
In most cases you pay it for as long as you have Part B. Because it is a percentage of the standard premium, it also rises when the premium rises.
Can I avoid the Part B penalty if I had insurance through work?
Usually, yes. Months covered by a group health plan based on current employment (yours or your spouse’s) generally do not count, and you get a Special Enrollment Period to sign up when that coverage or job ends. COBRA and retiree coverage do not count as current employment.
Is there help if I cannot afford the Part B penalty?
People who qualify for a Medicare Savings Program generally do not pay the Part B late enrollment penalty. In Arizona these programs run through AHCCCS. We can help you check.
Is there a Part B penalty if I signed up less than a year late?
No penalty is added until you reach a full 12 months. Medicare counts only complete 12-month periods, so 11 months late adds nothing and 12 months adds 10%. Your coverage may still start later than you wanted, though, so it pays to sign up as soon as you can.
How much is a one-year Part B penalty in 2026?
A 10% penalty adds $20.30 a month in 2026, so the standard $202.90 premium becomes $223.20. Over a year that extra amount comes to about $243.60, and you generally keep paying it for as long as you have Part B.
How do I sign up for Part B if I missed my enrollment window?
If no Special Enrollment Period applies, you can sign up during the General Enrollment Period at the start of each year, and coverage begins the month after you sign up. If you are leaving job-based coverage from current work, you usually get a Special Enrollment Period instead, without a penalty. Social Security handles both.
Do I still pay the Part B penalty with Medicare Advantage or Medigap?
Yes. The penalty is added to your Part B premium, and you keep paying the Part B premium whether you have Original Medicare alone, a Medigap policy or a Medicare Advantage plan. Switching coverage does not remove it. Qualifying for a Medicare Savings Program through AHCCCS is what generally takes it away.
Will my Part B penalty change in 2027?
The percentage stays the same, but the dollar amount moves with the standard premium. CMS usually announces the 2027 Part B premium around November 2026; until then this calculator uses the 2026 figure of $202.90 a month. If the premium rises, your penalty rises with it.
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