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You first become eligible to enroll in Medicare around age 65. But if you plan to keep working or have employer health coverage through a spouse, you have some options to consider before signing up for Medicare. Here you'll find the resources and tools you need to help learn about your Medicare enrollment options, and to make confident decisions about getting or delaying Medicare coverage.
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Even if you plan to keep working, you still have a 7-month Initial Enrollment Period (IEP) when you turn 65.
If you qualify to delay both Medicare Parts A & B, you can do so without penalty as long as you enroll within eight months of either losing your (or your spouse's) employer coverage or ceasing to work, whichever comes first. You will enroll during a Special Enrollment Period and will need to also provide written proof of creditable drug coverage to avoid Part D penalties.
Medicare Part A is usually premium-free for most people, so you could opt to enroll in only Part A while still working. However, if you have a health savings account (HSA), be aware that once you enroll in any part of Medicare you cannot continue to make contributions to your HSA.
You don't need to provide notice that you'd like to delay enrolling unless you're receiving Social Security or Railroad Retirement Board benefits. If you are receiving either, you'll be automatically enrolled in Medicare Parts A & B when you turn 65, and you'll need to let Social Security know you wish to delay Part B. By law though, if you receive Social Security benefits and are eligible for Medicare, you must also have Medicare Part A.