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Still working at 65?

An estimate of delaying Part B with employer coverage, HSAs, and the clock after coverage ends.

Read: Do I need Medicare at 65 if I’m still working?

Does the employer have 20 or more employees?
Whose job is the coverage from?
  • Ask the benefits office how many employees the group has, in writing. Size decides whether you can delay Part B.
  • HSA contributions generally must stop once you enroll in Medicare Part A. Timing Part A with an HSA is worth a Social Security conversation.
  • After qualifying coverage ends, a Part B Special Enrollment Period typically lasts eight months. Do not wait for fall Annual Enrollment to sign up for Part B.
  • Part D has its own creditable-coverage rules (including a 63-day gap). Ask whether the drug coverage is creditable.
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