Medicare When Working Past Age 65

You first become eligible to enroll in Medicare around age 65. But if you plan to keep working or have employer health coverage through a spouse, you have some options to consider before signing up for Medicare. Here you'll find the resources and tools you need to help learn about your Medicare enrollment options, and to make confident decisions about getting or delaying Medicare coverage.

Do I have to get Medicare if I have employer coverage?

Find out what your Medicare enrollment choices are by answering a few questions below.

Get Started

If an employer has 20 or more employees, generally you can choose to delay Medicare enrollment, drop your employer coverage for Medicare, or have both Medicare and employer coverage.

If an employer has fewer than 20 employees, generally you will need to enroll in Medicare during your Initial Enrollment Period.

If you have health coverage through a spouse's employer, what you can do will depend on the employer's rules. You may be able to delay or you may need to enroll at age 65.

Delaying Medicare when working past 65

Even if you plan to keep working, you still have a 7-month Initial Enrollment Period (IEP) when you turn 65.

If you qualify to delay both Medicare Parts A & B, you can do so without penalty as long as you enroll within eight months of either losing your (or your spouse's) employer coverage or ceasing to work, whichever comes first. You will enroll during a Special Enrollment Period and will need to also provide written proof of creditable drug coverage to avoid Part D penalties.

Medicare Part A is usually premium-free for most people, so you could opt to enroll in only Part A while still working. However, if you have a health savings account (HSA), be aware that once you enroll in any part of Medicare you cannot continue to make contributions to your HSA.

You may want to delay Part A if you have an HSA and want to continue contributing to it. If you decide to get Medicare coverage and stop contributing your HSA, you can continue to use the funds for qualified medical expenses — including some Medicare costs.

Medicare Part B charges a premium. Some people who work past 65 and have employer coverage delay enrolling in Part B just to postpone paying the premium and then sign up later during a Special Enrollment Period. If you don’t qualify for a Special Enrollment Period, even if you’re still going to work past 65, you need to get Part B during your Initial Enrollment Period to avoid financial penalties.

Before you officially delay Medicare, make sure you have creditable drug coverage. This means your employer drug coverage is at least as good as the standard Medicare Part D plan coverage. If your employer's drug coverage isn't creditable, you will need to enroll in a Part D plan during your Initial Enrollment Period to avoid the Part D late enrollment penalty . Consequently, you'll also need to get either Part A or Part B in order to get a Part D plan.

You don't need to provide notice that you'd like to delay enrolling unless you're receiving Social Security or Railroad Retirement Board benefits. If you are receiving either, you'll be automatically enrolled in Medicare Parts A & B when you turn 65, and you'll need to let Social Security know you wish to delay Part B. By law though, if you receive Social Security benefits and are eligible for Medicare, you must also have Medicare Part A.

Get Your Comprehensive Medicare Guide

You'll get timely email reminders and information to help you navigate your Initial Enrollment Period as smoothly as possible.

*Required fields

Enrolling in Medicare when working past 65

Even if you plan to keep working, you still have a 7-month Initial Enrollment Period (IEP) when you turn 65. Moreover, if an employer has fewer than 20 employees or your spouse's employer requires you to get Medicare to remain on their plan as a dependent, you will need to enroll during your IEP to avoid late enrollment penalties.

Learn about my Initial Enrollment Period & Medicare choices

Your Medicare Special Enrollment Period

When you retire or lose your employer coverage, you will have an 8-month Special Enrollment Period in which to enroll in Medicare. You will have up to 8 months to enroll in Parts A and/or B, but only the first two months to enroll in Parts C and/or D.

Find your Special Enrollment Period dates

Medicare when working past 65 FAQ

You can have Medicare and employer coverage as well as other types of coverage such as COBRA, TRICARE, CHAMPVA, VA and FEHB. How Medicare works with each of these varies.

Many people ask, "Can I sign up for Medicare and still work full time?" The answer is, yes you can. And you can have both employer health coverage and Medicare. Depending on your situation, one will act as your primary coverage and one as secondary.

How COBRA and Medicare work together depends on which you get first. You could have COBRA first and then become eligible for Medicare, or you could already have Medicare and then become eligible for COBRA. Each situation is different. See how COBRA and Medicare can work together in this video .

If you have TRICARE or CHAMPVA coverage, you will need to see if you qualify for premium-free Part A. If you are eligible, you will be required to enroll in both Part A and Part B to keep TRICARE or CHAMPVA coverage. If you are not eligible, enrollment is optional, but you could face late enrollment penalties. It’s best to talk with your TRICARE and CHAMPVA benefits administrator to learn more.

VA benefits alone will not qualify you to delay Medicare without penalty, so if you have VA health coverage and are still working past 65, you will need to enroll in Medicare during your Initial Enrollment Period.

Individuals with Federal Employees Health Benefits (FEHB) can opt to delay enrolling in Medicare Part A and/or Part B if they have health insurance based on employment (or a spouse's employment) with an employer who has 20 or more employees.

It's important to understand what your options are once you retire. The first step is to find out if you can keep the coverage you have now when you retire, and whether or not it can be combined with Original Medicare (Parts A and B) coverage. If you have group retiree health coverage, you'll need to contact the plan's benefits administrator to learn about how the coverage works with Medicare and what you need to do.

Supporting you through your Medicare journey

Chat with UnitedHealthcare

Chat is currently unavailable.
Please try again later.

Call UnitedHealthcare

Call Dynamic TFN / TTY 711

Hours: 8 a.m. to 8 p.m., 7 days a week

Find a plan

Meet with us

Make an appointment with a licensed insurance agent in your area.

Find an agent - opens in a new tab

Already a member?

Go to the member site to see your plan benefit information.

Medicare When Working Past Age 65

Do I have to get Medicare if I have employer coverage?

Delaying Medicare when working past 65

Delaying Medicare Part A and Part B

Enrolling only in Part A

Enrolling in Part B

Having creditable drug coverage

Do I need to notify anyone if I’m delaying Medicare?

Enrolling in Medicare when working past 65

Your Medicare Special Enrollment Period

Medicare when working past 65 FAQ

Medicare and employer coverage

COBRA and Medicare

TRICARE, CHAMPVA and VA benefits with Medicare

Federal Employees Health Benefits and Medicare

What happens when I retire?