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2026 figures
Medicare Part D Penalty Calculator for Arizona
The Part D penalty is 1% of the national base premium for every full month you went without creditable drug coverage, and it stays on your premium for as long as you have Part D. Enter the gap and see what it costs per month, per year and over time.
In clients' words
What working with Viola looks like
I’m very happy I went to Viola at Rise up Benefits Group for my Medicare enrollment. I was inundated with mail and way too much information. I have been with Champ VA for 9 years so it gets confusing what to sign up for without losing those benefits as they become secondary. Viola explained everything and picked out the best option for me. I highly recommend her as it made this transition very smooth.
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- Uses the 2026 national base beneficiary premium of $38.99 published by CMS. The penalty is recalculated against this figure each year.
- Counts full months after your Initial Enrollment Period ended during which you had no creditable drug coverage.
- Employer plans, VA coverage and TRICARE usually count as creditable, so those months do not add to the penalty.
- The penalty is rounded to the nearest ten cents and added to your premium for as long as you have Part D.
- People who get Extra Help do not pay the late enrollment penalty.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Where the figures come from
- CMS 2026 Part D base beneficiary premium Centers for Medicare & Medicaid Services, 2026
- Medicare late enrollment penalty rules Centers for Medicare & Medicaid Services (Medicare.gov), 2026
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Or see real 2027 Medicare plans for your ZIP code:
Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Common questions
How is the Medicare Part D late enrollment penalty calculated?
1% of the national base beneficiary premium for every full month you went without Part D or other creditable drug coverage after your Initial Enrollment Period. The 2026 base premium is $38.99, so a 14-month gap adds about $5.50 a month.
What counts as creditable drug coverage?
Coverage expected to pay, on average, at least as much as standard Part D. Many employer and union plans, VA coverage and TRICARE qualify. Your plan sends a yearly notice that tells you whether it is creditable; keep it.
How long do I pay the Part D penalty?
Usually for as long as you have Part D. It is recalculated each year against that year’s base premium.
Can Extra Help remove the Part D penalty?
Yes. People who qualify for Extra Help do not pay the Part D late enrollment penalty.
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2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776