Question 1

Do I have to enroll in Medicare at 65 if I’m still working?

Accepted Answer

Not always. The answer depends on whether your coverage is based on current active employment, who carries it, employer size, and how Medicare coordinates with that coverage. Confirm the details with your benefits administrator and Social Security before delaying any part of Medicare.

Question 2

Can I keep contributing to my HSA after 65?

Accepted Answer

You generally cannot contribute once your Medicare coverage begins. Because Part A can be retroactive in some situations, review your contribution timing several months before enrolling with a qualified tax professional.

Question 3

What happens to Covered California when I turn 65?

Accepted Answer

Eligibility for premium-free Part A generally affects eligibility for Covered California financial help. Coordinate Medicare effective dates and marketplace coverage before making changes.

Question 4

Is your help really free? How do you get paid?

Accepted Answer

Really free. No invoice. No hidden fee. No credit card. If a plan you pick has a commission, the carrier pays me a flat amount — same whether the plan costs you $0 or $200 a month. If you don't enroll, I don't get paid. Your cost doesn't change either way.

Clear guides for the decision in front of you.

Your turning 65 timeline

Still working at 65

Leaving Covered California

Medicare and your HSA

Compare Medicare options

Prescription coverage

Self-employed at 65

Good questions deserve clear answers.