Employer size matters
With 20 or more employees, an active employer plan often pays first. With fewer than 20, Medicare may need to be primary. Confirm the rules with HR and the carrier.
The flagship California guide
Still Working at 65? Medicare Is Not a One Size Fits All Decision.
Before enrolling or delaying, look at employer size, active coverage, your HSA, spouse coverage, prescriptions, and the date employment may end.
Book a 15 Minute Call With ScottPart B timing
You may be able to delay Part B without a penalty while covered by active employment. COBRA and retiree coverage generally do not create the same protection.
HSA contributions
Once Medicare starts, you can no longer contribute to an HSA. Retroactive Part A can require contributions to stop earlier than expected.
Coverage through a spouse
Active employer coverage through your spouse may support delaying Part B, but employer size, costs, and prescription coverage still need review.
Ask HR before deciding
Your working at 65 checklist
- How many employees does the employer have?
- Is this active employment coverage and is it creditable for Part B and Part D?
- How would Medicare coordinate with the employer plan?
- What will coverage cost after age 65 for you and your spouse?
- When does coverage end after employment ends?
- Can you keep contributing to your HSA, and when must contributions stop?