Do I need to sign up for Medicare if I’m still working?
Do I Need to Sign Up for Medicare Even If I'm Still Working?
If you're approaching 65 and still working, you’re not alone—and you might be wondering whether you have to sign up for Medicare. The short answer? It depends.
Here in Maine, I work with a lot of folks who are continuing to work past traditional retirement age, and the Medicare rules can feel a little confusing. So let’s break it down in plain language.
If You Have Employer Coverage Through Work
If you have health insurance through your current employer, you may be able to delay some parts of Medicare without penalty—but not all of them.
Here’s how it works:
Part A (Hospital Insurance) is usually premium-free. Most people sign up at 65, even if they’re still working, because it doesn’t cost anything if you've paid Medicare taxes for at least 10 years.
Part B (Medical Insurance) usually has a monthly premium. You can delay signing up for Part B if you have creditable coverage through your employer (generally defined as a group health plan from a company with 20 or more employees).
Part D (Prescription Drug Coverage) can also be delayed without penalty, as long as your employer’s plan includes drug coverage that’s considered creditable.
⚠️ Important: If your employer has fewer than 20 actively wokring employees, Medicare typically becomes your primary insurance—so in that case, you do need to enroll at 65 to avoid coverage gaps and penalties.
What Happens If You Delay?
If you delay enrolling in Medicare Part B or Part D without having creditable coverage, you may face late enrollment penalties—and those stick with you for life. That’s why it’s important to check with your employer’s HR department to see whether your current coverage meets Medicare’s standards.
When Should You Enroll?
If you’re eligible to delay and later retire or lose your employer coverage, you’ll have a Special Enrollment Period (SEP) to sign up for Medicare without penalty. That SEP lasts 8 months for Part B and 63 days for Part D from the date your employer coverage ends.
💡 Every situation is different. If you're still working and approaching Medicare age, let’s talk. I can help you review your current coverage and figure out whether enrolling in Medicare now—or waiting—is the right move for you.
Have questions? I’m here to help you find the Medicare solution that fits your life.
