Real answers for your healthcare questions
Do I need Medicare if I am still working at 65?
Answer
Not always. If you are 65 or older and covered by a current employer health plan through your own job or your spouse's job, you may be able to delay Part B without a late enrollment penalty. The details depend on the type of coverage and, in some cases, the employer's size.
What to Know
Medicare may pay first or second depending on the employer arrangement. Some people still enroll in premium free Part A, but that can affect HSA contributions. COBRA and retiree coverage should not automatically be treated the same as active employee coverage for Medicare enrollment purposes.
What to Do Next
Before delaying Medicare, ask the employer benefits administrator how the plan coordinates with Medicare. If you use an HSA, also confirm how Medicare enrollment will affect future contributions before you sign up.
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