Скачать или смотреть Medicare Part B Penalty: The Permanent Trap That Costs Retirees Thousands (2026 Update)

⚠️ WARNING: Missing your enrollment window at age 65 isn't just a simple error—it’s a permanent tax on your retirement that never goes away.

In this video, we expose the "Medicare Part B Late Enrollment Penalty," a hidden financial trap that catches millions of Americans off guard. Most people assume they are covered or can sign up later, but the rules have changed, and the fines are steeper than ever in 2026.

We break down the critical math and the hidden exceptions that Medicare won't clearly tell you.

👇 IN THIS VIDEO YOU WILL LEARN:

✅ The 10% "Forever" Fine: How missing your window by just a few months triggers a lifetime penalty that increases your premiums by 10% for every year you wait. We show you the exact math for 2026 (Base Premium $202.90) and how a 2-year delay costs you nearly $500 extra annually.

✅ The 7-Month Critical Window: Discover the exact dates of your Initial Enrollment Period (IEP). We explain how your birthday determines when your coverage starts and the dangerous gap that leaves you uninsured if you calculate it wrong.

✅ The "20-Employee" Rule (CRITICAL): This is the #1 reason working seniors get fined. If you are still working and think your employer's health insurance protects you, you might be wrong. We clarify the difference between small business coverage (fewer than 20 employees) and large group plans, and why COBRA is never considered "creditable coverage."

✅ The Escape Routes: Already missed the deadline? We explain the few specific ways to erase the penalty, including "Equitable Relief," Special Enrollment Periods (SEP), and the Medicare Savings Program.

🛑 Don't risk your financial future. A 15-minute phone call to Social Security or watching this video could save you thousands of dollars over the course of your retirement.

💡 HELPFUL RESOURCES:

Medicare Official Site: Medicare.gov

Social Security Administration: 1-800-772-1213

Medicare Support: 1-800-MEDICARE

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⚖️ LEGAL DISCLAIMER: The content provided in this video and description is for educational and informational purposes only and does not constitute professional financial, legal, or medical advice. Medicare rules, premiums, and penalties are subject to change annually (Data verified for 2026). "Civic Help" is not affiliated with the Social Security Administration or the Centers for Medicare & Medicaid Services. Always consult with a qualified professional or contact Social Security directly regarding your specific situation before making decisions about your coverage.