What happens if I missed my Medicare enrollment?

Without a qualifying Special Enrollment Period, you must wait for the General Enrollment Period (January 1 through March 31). Coverage starts the first day of the month after you sign up — not retroactively — and a permanent Part B penalty will likely apply.

Will I face a penalty for missing Medicare enrollment?

Yes. A permanent 10% Part B penalty per year of delay applies for each full 12-month period you were eligible but not enrolled without qualifying active employer coverage. In 2026, each year adds roughly $20.29/month — permanently added to your premium for as long as you have Part B.

Do I still have a Special Enrollment Period?

You may qualify for a Special Enrollment Period if you had active employer coverage from a company with 20 or more employees and the 8-month window is still open. COBRA and retiree coverage do not qualify for an SEP.

Is there any way to get the penalty removed?

In limited cases, you can request equitable relief from CMS if you were given incorrect information by a federal agency or employer about when to enroll. This is not guaranteed but may be available if you were misinformed.

Missed Medicare Enrollment? GEP, Penalties, What to Do

Missed Medicare enrollment? Use GEP Jan. 1-March 31 if no SEP applies. Coverage starts the month after signup and penalties may apply.

Frequently Asked Questions

What happens if I missed my Medicare enrollment?: Without a qualifying Special Enrollment Period, you must wait for the General Enrollment Period (January 1 through March 31). Coverage starts the first day of the month after you sign up — not retroactively — and a permanent Part B penalty will likely apply.
Will I face a penalty for missing Medicare enrollment?: Yes. A permanent 10% Part B penalty per year of delay applies for each full 12-month period you were eligible but not enrolled without qualifying active employer coverage. In 2026, each year adds roughly $20.29/month — permanently added to your premium for as long as you have Part B.
Do I still have a Special Enrollment Period?: You may qualify for a Special Enrollment Period if you had active employer coverage from a company with 20 or more employees and the 8-month window is still open. COBRA and retiree coverage do not qualify for an SEP.