Medicare & Senior InsuranceQuestion 211 of 716
What is the Part B late enrollment penalty for someone who delays signing up by a full 12 months without other creditable coverage?
a.10% added to the Part B premium for life
b.1% added to the Part B premium for life
c.5% added to the Part B premium for one year
d.No penalty if the person eventually enrolls
Explanation
The Part B late enrollment penalty is 10% of the standard Part B premium for each full 12-month period the beneficiary could have had Part B but did not, and it lasts as long as the person has Part B.
Law Reference: 42 U.S.C. §1395r(b)This topic, taught in full in the California Life & Health Insurance Producer Exam guide. California Life & Health Insurance Producer Exam — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)