Nearly 70 million enrolled; ~4.1 million expected to turn 65 this year and become eligible.
Part B initial enrollment runs from 3 months before your 65th birthday to 3 months after.
Miss Part B window: premiums rise for life, with an extra 10% for each year delayed.
Working with employer coverage can delay Part B; COBRA doesn’t count; Special Enrollment lasts 8 months after coverage ends.
Part D late penalty: extra 1% per month after 63 days without creditable drug coverage, lasting while you have coverage.
