The answer
How much is the Part B penalty?
The Part B penalty adds 10% to your Part B (medical) premium for each full 12 months you could have enrolled but did not.
So one full year late adds 10%, two full years adds 20%, and it keeps climbing with each additional full year of delay. The penalty is calculated as a percentage of the standard premium, which is $202.90 per month in 2026, and the surcharge is permanent: it stays on your premium for as long as you have Part B. Because the base premium can change from year to year, the dollar amount of your penalty can shift too, but the percentage tied to your delay stays the same. To work out what a penalty would mean for you, reach out to a licensed Goodsurance advisor at 1-888-301-8091 (TTY 711), Mon to Fri 8 am to 5 pm PT.