Plenty of people work past 65, and Medicare doesn't have to be an all-or-nothing decision. Here's how it typically fits with employer coverage.
If your employer has 20 or more employees
Your group plan usually stays your primary coverage, and you can often delay Part B without a penalty until you retire. Many people still take premium-free Part A. We'll help you confirm what makes sense for your plan.
If your employer has fewer than 20 employees
Medicare often becomes primary, which means you may need to enroll in Part B on time even while you're still working. Getting this wrong can leave gaps, so it's worth a quick conversation before you decide.
The HSA rule to watch
Once you enroll in any part of Medicare, you can no longer contribute to a Health Savings Account. If you want to keep contributing to an HSA, that affects when you should enroll, an easy detail to miss.
When you finally retire
Leaving your employer coverage opens a Special Enrollment Period to sign up for Medicare without penalty. We'll time it so you never have a gap in coverage.
This guide is general education, not personal advice, and plan details and figures change. For complete information on all your options, contact Medicare.gov or 1-800-MEDICARE. Legend Insurance Solutions is not connected with or endorsed by the government or the federal Medicare program.