Medicare Made Clearby Divine Path Financial

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Life Situation

Working After 65

Delaying Medicare while covered by employer insurance.

If you're still working at 65 with employer health coverage, you may be able to delay Part B without penalty — but only if the coverage qualifies.

Key points

Employer size matters: 20 or more employees generally lets you delay Part B safely; under 20, Medicare usually becomes primary.
When you eventually leave the job, you get an 8-month Special Enrollment Period.
Most people still enroll in premium-free Part A at 65.
HSA contributions must stop once you enroll in any part of Medicare.

Common questions

Can I work and still have Medicare?
Yes. Many people keep working past 65 and can either enroll in Medicare or delay it, depending on their employer's health plan.

Next steps

Employer insurance rules →Special Enrollment Periods →COBRA →Ask about working past 65 →

Related topics

Retirement

How Medicare fits with retirement, pensions, and 401(k)s.

Employer Insurance

Employer size matters — 20+ employees vs. under 20.

COBRA

Why COBRA is not creditable coverage for Medicare.

Spouse Coverage

Covering a spouse who isn't yet 65.

Educational only. This information is not personalized advice. For your specific situation, verify at Medicare.gov or speak with a licensed Medicare professional.