Updated 12/26/2025

Will I Avoid Medicare Enrollment Penalties?

If the Medicare enrollment rules are not followed correctly, clients may be subject to significant penalties. It is important to understand available options, applicable deadlines, and a client’s unique circumstances in order to properly enroll in Medicare and avoid penalties.

To help make this analysis easier, we have created the “Will I Avoid Medicare Enrollment Penalties?” flowchart. It addresses some of the most common issues that clients face, including:

• Impact of employee headcount for those covered under an employer plan
• Special Enrollment Period rules
• Penalties for delaying Part A, B, & D
• How a creditable drug plan could impact Part D late enrollment penalties