Medicare Part D · Gilman Agency
Enter the months you went without Part D or creditable drug coverage to estimate your permanent monthly penalty.
Count only full calendar months without Part D AND other creditable coverage (employer plan, VA, TRICARE, FEHB). Gaps of 62 days or fewer do not trigger a penalty.
A gap of 62 days or fewer does not trigger a Part D late enrollment penalty. You're in the clear — but enroll in Part D as soon as possible to stay protected.
2026 Penalty (Current)
—/mo
—
2027 Penalty (Projected ↑)
—/mo
—
The Math
*Rounded to nearest $0.10 per CMS rules. 2027 base premium projected; final amount published September 2026.
How Your Penalty Dollar Amount Grows Each Year
| Year | Base Premium | Monthly Penalty | Annual Cost |
|---|
Same penalty percentage — higher dollar cost as the base premium rises each year. *2027 projected.
Think your penalty was assessed incorrectly?
You have 60 days from the penalty notice to file a reconsideration request. We can help you review your coverage history and prepare your appeal. Medicare plan reviews are always free.
📞 (800) 927-9326 · marc@gilmanagency.com