Alyssa Lane
Most people sign up for medical insurance when they're first eligible, typically at age 65. You’re first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after you turn 65. If you want Medicare coverage to start when your job-based health insurance ends, you need to sign up for Part B the month before you or your spouse plan to retire. There are also special enrollment periods, and no penalties if you sign up or add Part B during this time.
| Characteristics | Values |
|---|---|
| Age | 65 |
| Initial Enrollment Period | No penalties if you sign up during this time |
| Special Enrollment Period | No penalties if you sign up or add Part B during this time |
| Open Enrollment Period | Once a year, typically in the fall |
| Job-based health coverage | 8 months to sign up |
| Medicare coverage | Sign up for Part B the month before you or your spouse plan to retire |
What You'll Learn
Open enrollment period: typically in the fall, a few weeks to adjust or cancel
Open enrollment period is a window of time that happens once a year when you can sign up for health insurance, adjust your current plan or cancel your plan. It’s usually limited to a few weeks and typically happens in the fall. If you miss it, you may have to wait until the next open enrollment period to make any changes.
If you get health insurance through your job, through Medicare, or through the Affordable Care Act (ACA) marketplace, you will have an open enrollment period. Individual & Family ACA Marketplace plans have an open enrollment period of November 1 through January 16, in most states. Health insurance through work has enrollment periods set by your employer (typically in the fall). Medicare has an Annual Enrollment Period (AEP) of October 15 to December 7 every year.
Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they're first eligible, typically at age 65. It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties. However, if you're already covered through an employer group health plan, it might make sense to sign up for Medicare later or delay Part B. If you are age 65 or older and receive Social Security benefits, you will be automatically enrolled in Part A. This is the "Initial Enrollment Period," and there are no penalties if you sign up during this time.
If you want Medicare coverage to start when your job-based health insurance ends, you need to sign up for Part B the month before you or your spouse plan to retire. Your coverage will start the month after Social Security (or the Railroad Retirement Board) gets your completed forms. You’ll need to fill out an extra form showing you had job-based health coverage while you or your spouse were working. If you want more coverage, you have a limited time to get it.
If you lose your job-based health coverage before you or your spouse stop working, you have 8 months to sign up.
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Special enrollment period: no penalties to add Part B
If you or your spouse have health insurance through your job, you can sign up for Medicare any time while working and still covered by the group health plan. You can also sign up within 8 months of the day you or your spouse stop working, even if your group health plan continues for a time.
If you lose your job-based health coverage before you or your spouse stop working, you have 8 months to sign up. If you want Medicare coverage to start when your job-based health insurance ends, you need to sign up for Part B the month before you or your spouse plan to retire. Your coverage will start the month after Social Security (or the Railroad Retirement Board) gets your completed forms. You’ll need to fill out an extra form showing you had job-based health coverage while you or your spouse were working.
If you are age 65 or older and receive Social Security benefits, you will be automatically enrolled in Part A. This is the "Initial Enrollment Period," and there are no penalties if you sign up during this time. Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they're first eligible, typically at age 65. It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties. However, if you're already covered through an employer group health plan, it might make sense to sign up for Medicare later or delay Part B.
If you want more coverage, you have a limited time to get it. You’re first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after you turn 65. Your state will sign you up for Medicare (or if you need to sign up). An open enrollment period is a window of time that happens once a year — typically in the fall — when you can sign up for health insurance, adjust your current plan or cancel your plan. It’s usually limited to a few weeks. If you miss it, you may have to wait until the next open enrollment period to make any changes.
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Initial enrollment period: no penalties to sign up
If you are age 65 or older and receive Social Security benefits, you will be automatically enrolled in Part A. This is the "Initial Enrollment Period," and there are no penalties if you sign up during this time.
Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they're first eligible, typically at age 65. It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties. However, if you're already covered through an employer group health plan, it might make sense to sign up for Medicare later or delay Part B.
If you want Medicare coverage to start when your job-based health insurance ends, you need to sign up for Part B the month before you or your spouse plan to retire. Your coverage will start the month after Social Security (or the Railroad Retirement Board) gets your completed forms. You’ll need to fill out an extra form showing you had job-based health coverage while you or your spouse were working.
If you lose your job-based health coverage before you or your spouse stop working, you have 8 months to sign up. This is a "Special Enrollment Period," and there are no penalties if you sign up or add Part B during this time.
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Job-based health coverage: 8 months to sign up
If you have job-based health coverage, you can sign up for Medicare any time while working and still covered by the group health plan. However, if you lose your job-based health coverage before you or your spouse stop working, you have 8 months to sign up.
If you want Medicare coverage to start when your job-based health insurance ends, you need to sign up for Part B the month before you or your spouse plan to retire. Your coverage will start the month after Social Security (or the Railroad Retirement Board) gets your completed forms. You’ll need to fill out an extra form showing you had job-based health coverage while you or your spouse were working.
If you are age 65 or older and receive Social Security benefits, you will be automatically enrolled in Part A. This is the "Initial Enrollment Period," and there are no penalties if you sign up during this time.
If you want more coverage, you have a limited time to get it. Generally, you’re first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after you turn 65.
If you get health insurance through your job, through Medicare, or through the Affordable Care Act (ACA) marketplace, you will have an open enrollment period. Enrollment periods are set by your employer (typically in the fall).
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Medicare: 3 months before to 3 months after turning 65
Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they're first eligible, typically at age 65. It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties. However, if you're already covered through an employer group health plan, it might make sense to sign up for Medicare later or delay Part B.
If you are age 65 or older and receive Social Security benefits, you will be automatically enrolled in Part A. This is the "Initial Enrollment Period," and there are no penalties if you sign up during this time.
Generally, you’re first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after you turn 65. Your state will sign you up for Medicare (or if you need to sign up).
If you want Medicare coverage to start when your job-based health insurance ends, you need to sign up for Part B the month before you or your spouse plan to retire. Your coverage will start the month after Social Security (or the Railroad Retirement Board) gets your completed forms. You’ll need to fill out an extra form showing you had job-based health coverage while you or your spouse were working.
If you lose your job-based health coverage before you or your spouse stop working, you have 8 months to sign up. If you get health insurance through your job, through Medicare, or through the Affordable Care Act (ACA) marketplace, you will have an open enrollment period. Individual & Family ACA Marketplace plans: Open enrollment is November 1 through January 16, in most states · Health insurance through work: Enrollment periods are set by your employer (typically in the fall).
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Frequently asked questions
Most people sign up for Part A (hospital insurance) and Part B (medical insurance) when they're first eligible, typically at age 65. It's important to sign up promptly to avoid gaps in coverage or late enrollment penalties.
An open enrollment period is a window of time that happens once a year — typically in the fall — when you can sign up for health insurance, adjust your current plan or cancel your plan. It’s usually limited to a few weeks. If you miss it, you may have to wait until the next open enrollment period to make any changes.
This is a "Special Enrollment Period," and there are no penalties if you sign up or add Part B during this time. If you or your spouse have health insurance through your job, you can sign up: Any time while working and still covered by the group health plan. Within 8 months of the day you or your spouse stop working, even if your group health plan continues for a time.
If you are age 65 or older and receive Social Security benefits, you will be automatically enrolled in Part A. This is the "Initial Enrollment Period," and there are no penalties if you sign up during this time.
The annual enrollment period is October 15 to December 7 every year.
