Medicare Part A Late Enrollment Penalty Calculator

If you must pay a premium for Part A and you delay enrolling, the penalty is 10% of your monthly Part A premium, paid for twice the number of full years you could have had Part A but didn’t enroll. If you (or your spouse) have at least 40 quarters (≈10 years) of Medicare-covered work, you usually get premium-free Part A and there’s no Part A late penalty.

How many years have you or your spouse worked in the USA?

At least 40 Quarters (10 Years) 30–39 Quarters Less than 30 Quarters

Your answer helps set whether your Part A premium is $0 (premium‑free) or a reduced/full premium.

Monthly Part A premium used for calculation ($)

Auto-filled from your selection above. You can unlock this field below to override if needed.

Full years delayed (12‑month periods)

Count only full 12‑month periods without Part A after first eligible.

Allow manual premium override

Check this only if you need to enter a different premium amount for your scenario.

Results

Formula: Monthly penalty = 10% × Part A premium. Duration = 2 × full years delayed. Premium amounts vary by year and category. This tool pre-fills typical values from your selection.