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Delaying Medicare Part B enrollment can result in permanent penalties. Learn the rules, exceptions, and how to avoid costly mistakes.
Last updated: January 2026 | Written by licensed CT insurance professionals
The Part B Late Enrollment Penalty is permanent. Once applied, you pay extra for life.
Key Takeaways
10% Penalty Per Year
For each 12-month period you delay without creditable coverage
Permanent Penalty
The penalty lasts as long as you have Medicare—potentially decades
Exception: Employer Coverage
Working with employer coverage (20+ employees) allows penalty-free delay
How Much Could the Part B Penalty Cost You?
Based on 2026 standard Part B premium of $202.90/month
* Premium amounts increase annually. Penalty percentages remain fixed for life.
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Book a timeShould You Delay Medicare Part B?
Are you still working?
If no, enroll in Part B during your Initial Enrollment Period.
Does your employer have 20+ employees?
If yes, you can delay Part B. If no, enroll during your IEP.
Is your employer coverage primary?
With 20+ employees, employer coverage is primary and Part B can wait.
Safe to Delay
When employment/coverage ends, use your 8-month SEP to enroll.
Confused About When to Enroll?
Get free, personalized guidance from a licensed Connecticut Medicare broker. We’ll review your situation and help you avoid penalties.
Related Medicare Resources
Complete Connecticut Medicare overview
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