I'm still working at 65 — do I need Medicare yet?
Working Past 65
If you're still working at 65, your Medicare timing depends on your employer coverage. Understanding how they work together helps you avoid gaps and late penalties.
What's happening
Your situation
- Whether to delay Medicare often depends on your employer plan size
- Some parts may still make sense to enroll in at 65
- Delaying without qualifying coverage can trigger late penalties
Your options
Paths to consider
- Reviewing how your employer coverage works with Medicare
- Deciding which parts to take now vs. later
- Planning your special enrollment period for when you retire
Related coverage