What is the late enrollment penalty for Part B?
The Part B late enrollment penalty is 10% of the standard premium for every 12 months you delay enrollment. This penalty is permanent.
What to do next
Start from your own specifics rather than a rule of thumb; a short conversation usually tells you whether this needs a professional look.
Local context for Statewide Florida
If you're still working and covered by employer insurance (20+ employees), you can delay Part B without penalty. If your employer has fewer than 20 employees, you should enroll in Medicare at 65. Your IEP is a 7-month window: 3 months before your 65th birthday month, your birthday month, and 3 months after. Missing your IEP entirely results in permanent late enrollment penalties. Part A covers hospital stays (free for most). Part B covers doctor visits ($202/month in 2026). Part C (Medicare Advantage) replaces Parts A+B. Turning 65 is a milestone that comes with important health insurance decisions. You have a 7-month window to enroll in Medicare without penalty.
Florida Health Insurance Web provides Medicare Advantage, Medicare Supplement (Medigap), ACA Marketplace Plans, Final Expense Insurance, Small Group Health Insurance, Medicare Part D across Statewide Florida.
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