{ "version": "2026.1", "generated_by": "scripts/gen_medicare_delay_cost_study.mjs — Part B / Part D late-enrollment penalty streams computed against the 2026 yardsticks in frontend/js/calc/irmaa.js (BASE_PART_B_2026, PART_D_BASE_2026), longevity anchor from constants-2026.js SINGLE_LIFE_TABLE; 14 live-page assertions + 7 sanity gates green at generation time", "source": "Standard 2026 Part B premium and 2026 Part D national base beneficiary premium as published by CMS, read from QuantCalc's shared calc modules (the same yardsticks behind /medicare-late-enrollment-penalty/); penalty rates per 42 U.S.C. §1395r(b) and §1395w-113(b)", "law_basis": "2026 premiums held constant in nominal terms across all horizon years (both CMS yardsticks reset annually, so the lifetime figures are floors)", "generated_at": "2026-08-12T19:01:08.880Z", "row_count": 121, "grid": { "delay_months": { "from": 0, "to": 120 }, "eligibility_age": 65, "both_parts_delayed_together": true, "horizons": { "fixed_ages": [ 85, 90, 95 ], "sle_anchor": { "divisor_at_65": 22.9, "horizon_age": 87.9, "note": "IRS Single Life Expectancy table (T.D. 9930, unisex) divisor at 65, used as a neutral longevity anchor — not an actuarial mortality forecast" } }, "yardsticks": { "standard_part_b_monthly": 202.9, "part_d_national_base_monthly": 38.99 } }, "fields": [ "delay_months", "delay_full_years", "enrollment_age", "part_b_periods", "part_b_pct", "part_b_penalty_monthly", "part_d_pct", "part_d_penalty_monthly", "total_penalty_monthly", "penalty_annual", "lifetime_to_85", "lifetime_sle_anchor", "lifetime_to_90", "lifetime_to_95" ], "rows": [ { "delay_months": 0, "delay_full_years": 0, "enrollment_age": 65, "part_b_periods": 0, "part_b_pct": 0, "part_b_penalty_monthly": 0, "part_d_pct": 0, "part_d_penalty_monthly": 0, "total_penalty_monthly": 0, "penalty_annual": 0, "lifetime_to_85": 0, "lifetime_sle_anchor": 0, "lifetime_to_90": 0, "lifetime_to_95": 0 }, { "delay_months": 1, "delay_full_years": 0, 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"part_b_pct": 100, "part_b_penalty_monthly": 202.9, "part_d_pct": 120, "part_d_penalty_monthly": 46.8, "total_penalty_monthly": 249.7, "penalty_annual": 2996.4, "lifetime_to_85": 29964, "lifetime_sle_anchor": 38653.56, "lifetime_to_90": 44946, "lifetime_to_95": 59928 } ], "related": [ { "title": "Medicare Late Enrollment Penalty Calculator", "url": "https://quantcalc.app/medicare-late-enrollment-penalty/" }, { "title": "IRMAA Brackets 2026", "url": "https://quantcalc.app/irmaa-brackets-2026/" }, { "title": "What is the 2026 Medicare Part B premium?", "url": "https://quantcalc.app/answers/medicare-part-b-premium/" }, { "title": "IRS Single Life Expectancy Table", "url": "https://quantcalc.app/data/single-life-expectancy-table/" } ] }