E
Life Situation
Employer Insurance
Employer size matters — 20+ employees vs. under 20.
How your employer plan works with Medicare depends on the size of the employer.
Key points
- 20+ employees: employer plan is primary, Medicare secondary — safe to delay Part B.
- Under 20 employees: Medicare is primary — you generally need to enroll at 65.
- Retiree coverage does not count as active employer coverage for delaying Part B.
- Always confirm with HR and get creditable-coverage documentation in writing.
Next steps
Related topics
Educational only. This information is not personalized advice. For your specific situation, verify at Medicare.gov or speak with a licensed Medicare professional.