Get one of these wrong and you do not pay for it once. You pay every month for the rest of your life.
Nothing is sent anywhere. This runs in your browser and the moment you close this page it is gone.
| Miss this | Penalty | How long it lasts |
|---|---|---|
| Part B enrolment | +10% of the premium for every full 12 months you were eligible and not enrolled | For as long as you have Part B |
| Part D / creditable drug coverage | +1% of the national base premium ($36.78 in 2026) per month without coverage | For as long as you have Part D |
| Medigap open enrolment | No dollar penalty. Insurers may medically underwrite you, refuse you, or charge more | The right does not come back |
My Book Kit