Medicare enrollment-timing checker

Part&nbsp;B: +10% of the premium for every full 12 months you could have had it but didn’t &mdash; for life.
Part&nbsp;D (drugs): ~1% of the national base premium per month you went without creditable coverage &mdash; for life.

Medicare has strict sign-up windows, and missing them can mean a lifelong penalty. This shows your Initial Enrollment Period and flags the traps. No plan is sold here and we take no commission — for free one-on-one help, your state SHIP counselor is unbiased.

Your birth month Your birth year Do you (or your spouse) have health coverage from active, current employment? a group plan from a job you or a spouse still work at — NOT COBRA or retiree coverage

General guidance, not individualized advice; special situations (disability, ESRD, small employers, COBRA) differ. Confirm with Medicare.gov or a free SHIP counselor.