Medicare 2026 Part D Late Enrollment Penalty Calculator
Formula: 1% of the national base beneficiary premium × number of uncovered months,
rounded to the nearest $0.10.
National Base Beneficiary Premium (2026)$38.99
Estimated Monthly Penalty for 2026$0.00
Note: The national base beneficiary premium changes from year to year, so your penalty will fluctuate as well.
Part D Penalty Explained
The Part D penalty is determined by taking 1% of the national base beneficiary premium times the number of months someone has gone without having Part D or creditable drug coverage.
*This tool is an estimate only and may not be exact.