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Decision Guide · 2026

Still Working at 65?
Medicare Timing Guide

When to sign up, when to wait, and how to avoid permanent penalties.

20+ Employee Threshold
10% Penalty Per Year
8 mo SEP Window
Dr. EdEd'">
Dr. Ed Weir, PhD
Former SSA District Manager · 20 Years Inside Social Security
Sergeant, USMC — once a Marine, always a Marine
Preview: Your 10-Point Checklist
2026
1
The 20-Employee Question
2
Part A: Usually Sign Up at 65
3
Part B: Delay or Enroll?
4
HSA and Medicare — The Rule You Can't Break
5
Retiree Coverage vs. Active Coverage
6
Special Enrollment Period (SEP) Basics
7
Late Enrollment Penalties to Avoid
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