Part D Late Enrollment Penalty
Medicare Part D late enrollment penalty from the gaps in drug coverage.
Open the tool → Runs in your browser. Data leaves only if you deliberately send a problem report from the interactive tool.
Example
- Gap 1 first day without coverage
- 2025-01-15
- Gap 1 last day without coverage
- 2026-03-31
- Premium year
- 2026
Result: Part D late penalty $5.50 a month in 2026: 1% of the $38.99 base premium × 14 uncovered months = $5.46, rounded to the nearest 10 cents.
The tool opens with these values already filled in. Replace them with your own.
What you enter
- Gap 1 first day without coverage (YYYY-MM-DD)
- Gap 1 last day without coverage (YYYY-MM-DD)
- Gap 2 first day (YYYY-MM-DD)
- Gap 2 last day (YYYY-MM-DD)
- Gap 3 first day (YYYY-MM-DD)
- Gap 3 last day (YYYY-MM-DD)
- Premium year (blank for this year)
- Base beneficiary premium, if not a published figure
How this is calculated
Citation
42 CFR 423.46 (a gap of 63 days or more) and 423.286(d)(3) (1 percent of the base beneficiary premium per uncovered month); base premium $38.99 in 2026 and $41.33 in 2027, rounded to the nearest $0.10 (Medicare.gov). Read the source ↗
A reference and educational tool. Not medical, legal, or financial advice, and not a substitute for clinician judgment.