Am I forced to enroll in Medicare?

You do not have to sign up for Medicare at age 65 if you have qualifying group health coverage through a current employer.

💡 When You Must Sign Up

• Turning 65: Enroll during your 7-month Initial Enrollment Period to avoid penalties.
• No Current Employer Plan: You must sign up if you rely on Marketplace insurance, COBRA, or retiree coverage.
• Small Employers: You must sign up if your employer has fewer than 20 employees.

✅ When You Can Delay Enrollment

• Active Employment: You can delay if you or your spouse work and have coverage from an employer with 20+ employees.
• Special Enrollment Period: You get an 8-month window to sign up without penalty after active employment or coverage ends.

⚠️ Risks of Not Signing Up

• Late Penalties: Part B and Part D carry lifelong monthly surcharge penalties for delayed enrollment.
• Coverage Gaps: Waiting too long creates uninsured periods during medical emergencies.
• HSA Conflicts: Enrolling in any Medicare part stops tax-free Health Savings Account contributions.