# [Health Insurance] 45, Medicare Enrollment Periods and Late Enrollment Penalties

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-45-medicare-enrollment-periods-and-late-enrollment-penalties
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-45-medicare-enrollment-periods-and-late-enrollment-penalties.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-05-11T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/8f5e2280-183f-4dad-9a9b-118c318489d2.mp3
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Duration seconds: 192

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The 7-month window for the Initial Enrollment Period and how enrollment timing affects the coverage start date. - The specific dates for the General Enrollment Period (Jan 1 - Mar 31) and its fixed coverage start date of July 1. - How a Special Enrollment Period is triggered by the loss of active employer coverage, not the exhaustion of COBRA. - How to calculate the Part B penalty based on 10% for each full 12-month period of delayed enrollment. - The calculation for the Part D penalty, which is 1% of the national base premium for each month without creditable coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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## Transcript

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