A person qualifies for premium Part A but delays enrollment for three years after first becoming eligible, without any exception. The Medicare Part A late enrollment penalty results in:

Why A is correct

For premium Part A, the late enrollment penalty is 10 percent of the premium added for a period equal to twice the number of years the person was eligible but did not enroll. Delaying three years therefore produces a 10 percent increase lasting six years. The penalty is temporary in duration but doubles the delay period. This is the distinguishing Part A formula in the Medicare eligibility objectives, and it differs from the Part B penalty structure, which charges 10 percent per 12-month period for life.

Why the other options are wrong

• B) The 10 percent surcharge is not one-time and does not last for life; it runs for twice the delay period, so a three-year delay means six years.
• C) The Part B penalty works as 10 percent per 12-month period for life; the Part A penalty is different — 10 percent for twice the delay years.
• D) Premium Part A is voluntary, but delayed enrollment carries a penalty; only those eligible for premium-free Part A avoid premium concerns.

Memory hook

Part A late penalty: 10% for twice as long as you waited. Wait three years, pay 10% extra for six.