How does working past age 65 impact my Medicare options?

If you continue working after age 65 and have health insurance through your employer, you may be able to delay enrolling in Medicare Part B and Part D without penalties—as long as your coverage is considered “creditable” by Medicare. Many people still choose to enroll in Part A, which is usually premium-free. Once your employer coverage ends, you’ll have an 8-month Special Enrollment Period to sign up for Medicare without facing late enrollment penalties. Be sure to check with your employer’s benefits administrator to confirm your coverage meets Medicare’s requirements.