XactInsure

What are the Medicare late enrollment penalties?

Your Medicare Initial Enrollment Period is 7 months around your 65th birthday; missing it triggers a late-enrollment penalty. XactInsure checks your dates and enrolls you for free in Fort Myers, Cape Coral and Naples.

Quick answer

What are the Medicare late enrollment penalties — short answer from XactInsure: Your Medicare Initial Enrollment Period is 7 months around your 65th birthday; missing it triggers a late-enrollment penalty.

Full answer

Your Medicare Initial Enrollment Period is 7 months around your 65th birthday; missing it triggers a late-enrollment penalty. XactInsure checks your dates and enrolls you for free in Fort Myers, Cape Coral and Naples. See the full guide for costs, eligibility and next steps in Southwest Florida.

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XactInsure — licensed Florida insurance agency, Cape Coral / Fort Myers. Free consultation: book online or (239) 341-9545.

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Sources: CMS.gov Medicare · KFF Medicare · CMS MA plans. Figures current for 2026; re-check quarterly.