Coordinating Employment With Medicare Coverage
Navigating health insurance when working past age 65 requires careful attention to your employer’s size. Official guidelines published on Medicare.gov specify that if you work for a business with 20 or more employees and receive creditable group health coverage, you can safely delay Medicare Part B without paying late-enrollment penalties.
However, if your employer employs fewer than 20 workers, Medicare acts as your primary insurance. In that situation, you must enroll in Medicare Part B during your initial enrollment period to avoid coverage gaps and lifetime premium surcharges.
“The goal of retirement is to live off your assets—not live off your regrets.”
