Medicare Premium & Penalty Calculator
This medicare eligibility calculator projects your Part B IRMAA surcharge and Part B/D late-enrollment penalties based on income and coverage gaps.
Medicare Premium, Surcharge & Penalty Tool
Enter your income and any coverage gaps to estimate your total monthly Medicare obligation.
$
Monthly Obligation Breakdown
- Part B Base Premium
- $185.00
- IRMAA Surcharge
- $0.00
- Part B Late Penalty
- $0.00
- Part D Base Premium
- $35.00
- Part D Late Penalty
- $0.00
- Total Projected Monthly Cost
- $220.00
Understanding Medicare Costs
This medicare eligibility calculator combines base Part B and Part D premiums with IRMAA income surcharges and late-enrollment penalties. IRMAA brackets increase your Part B premium based on income, while late-enrollment penalties permanently add to your premium if you delay signing up without qualifying coverage.