Turning 65 doesn’t automatically require Medicare — some should delay if employer coverage is better.
Mi Bolsillo USA
+1
If your current health plan covers more services and is creditable, staying on it might cost less than Medicare Part B.
Mi Bolsillo USA
+1
Enrolling in Medicare ends your ability to contribute to an HSA, affecting long-term tax savings.
Mi Bolsillo USA
With large employers (20+ employees), you can defer Parts B/D without penalties via a Special Enrollment Period.
Mi Bolsillo USA
Missing your Initial Enrollment Period (7-month window around 65) without creditable coverage leads to lifelong penalties.
