Calculator · CY2026 figures

Combined Medicare Penalty Calculator

Enter the client’s history once: date of birth, job-based coverage, and when Part B and Part D start. See both penalties side by side and the combined cost, the number that actually moves a decision.

What it answers

The Part B and Part D penalties from one history, priced in the same year so the total adds up
Job-based coverage counted the way each part counts it: always for Part B, and for Part D only when the drug coverage was creditable
The combined cost per month, per year, and to age 85

For example: 57 months without either → $103.40 a month across both parts in 2026.

How it's worked out

Runs the Part B and Part D calculators on the same dates. See each one’s page for the rules.

Both parts are priced on 2026 amounts. The Part D penalty for later years is on the Part D calculator.

Sources

Free tools for licensed insurance agents. Not for use by Medicare beneficiaries. Figures are CMS’s published amounts; Social Security, CMS and the plan make the final determination.

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