Still Working at 65 in Ohio

Placeholder pillar — the URL is live and the AEO plumbing is in place; the full guide is being written. In the meantime, see Medicare Enrollment Periods Explained for the short version, or use the free Medicare enrollment calculator — it has dedicated logic for the still-working pathway.

Who this pillar is for

If you’re 65 or close to it and still on a health plan through your own job or your spouse’s job. Your enrollment math is meaningfully different from the standard “Turning 65” path — you may be able to delay Part B without a late penalty, but only if you understand the rules.

What this guide will cover

• When you can delay Part B: the 20-employee threshold and why it matters
• The 8-month Special Enrollment Period (SEP) that starts when your employer coverage ends
• Notice of Creditable Coverage: what it is, why you need one, and where to get it
• Part A: usually free, usually fine to enroll in even when you’re delaying Part B (unless you contribute to an HSA — see HSA gotcha below)
• The HSA gotcha: enrolling in Part A retroactively up to 6 months disqualifies HSA contributions
• Small employers (under 20 employees): when Medicare becomes primary at 65 even if you’re still working

In the meantime

• Existing post: Medicare Enrollment Periods Explained
• Related: HSA and Medicare — the 6-month lookback rule and contribution limits
• Calculator: calc.medstar.agency — answers “should I enroll in Part B now or wait?” based on your specific employer situation