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Turning 65 and Still Working: What to Know About Medicare

03.25.26

Many people assume they must sign up for Medicare the moment they turn 65. In reality, the timing depends on whether you are still working and what kind of health coverage you have through your employer.

If you are working past 65 and covered by a group health plan through your job or your spouse’s job, you may be able to delay certain parts of Medicare without penalty. This is common for people who want to continue working or are not ready to make changes to their coverage. However, not all employer plans work the same way with Medicare, and company size can matter when it comes to how primary and secondary coverage is determined.

For some people, enrolling in Part A at 65 makes sense because it is often premium-free, while delaying Part B until retirement or loss of employer coverage. Others may need to enroll in both Part A and Part B right away. Making the wrong assumption can lead to gaps in coverage or late enrollment penalties.

This is one of the most common points of confusion around Medicare. What works for one person may not be the right choice for another.

If you or someone you care about is approaching 65 and still working, it is worth reviewing the options carefully. A short conversation can help clarify what makes the most sense before important deadlines pass.
If you have any questions, I am happy to help.

Greer Wylder
Wylder Insurance
Office 949.300.8713
greerwylder@gmail.com
Licensed Insurance Agent, CA License #4354817

We do not offer every plan available in your area. Currently we represent five organizations  which offer 49 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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