When Do I Sign Up for Medicare If I’m Still Working at 65?
Whether you should file for Part B at 65 while still working hinges mostly on one fact — whether your employer has 20 or more employees, which determines if your group plan or Medicare pays first — and then on your HSA contributions, who else is covered on your plan, and your Social Security status. Delaying is reasonable with large-employer coverage, but small-employer plans, high premium contributions, heavy out-of-pocket exposure, or expensive prescriptions can make enrolling on time the better call, and retiring later opens an eight-month window that requires two forms.
Marketplace vs. Private Health Insurance in Arizona: Which Is Better in 2026?
For individuals and families buying their own coverage, the
Medicare Part B Late Enrollment Penalty: What Arizona Seniors Should Know
Turning 65 brings several important Medicare decisions, and one
