Is it from current work?
Group coverage through your or your spouse’s current employment may let you delay Part B without a late penalty. Ask the benefits administrator to confirm.
Medicare Made Clear • Palm Beach CountyStill working at 65?
Still working at 65?
Make Medicare part of the plan.
More time at the office, more time on the water—or a little of both. Your Medicare timing should fit your life and your coverage.
Our Palm Beach County insurance guides help you sort the questions before you make a change.
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Health Palm Beach Insurance Advisors • Updated October 23, 2026 • General education
Three questions before you decide
Who pays first?
For age-based Medicare, employers with fewer than 20 employees generally have different payment rules. Your plan may require Part A and Part B. Verify before delaying.
When does work or coverage end?
The usual Part B special enrollment window lasts eight months after employment or qualifying coverage ends, whichever happens first. Arrange coverage before the old plan ends.
The details worth slowing down for
Does COBRA buy me more time?
COBRA does not extend the Part B enrollment deadline. Retiree coverage also is not the same as coverage through current employment. Check your Medicare timing before accepting either.
What if I contribute to an HSA?
Once enrolled in Medicare, you cannot contribute to an HSA. Employer contributions count too. Premium-free Part A can be retroactive when you enroll after 65, affecting earlier contribution months. Ask Social Security and your tax professional to coordinate dates before applying for Medicare or Social Security benefits.
Can I still use money already in my HSA?
Yes. Existing HSA funds remain available for qualified medical expenses. If you are 65 or older, certain Medicare premiums can qualify; Medigap premiums generally do not. IRS rules determine the tax treatment.
Should I automatically drop my employer plan?
Compare the full picture first: premiums, providers, prescriptions, out-of-pocket costs, and coverage for a spouse or dependents. Ask your benefits administrator what happens if you leave or later want to return. Medicare eligibility alone does not make one choice right for everyone.
Your conversation checklist
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Let’s map out your next step.
Based in Palm Beach County, we offer a friendly conversation with a licensed insurance advisor. We can help compare available options and identify questions for your employer or Social Security.
Schedule a Medicare reviewPrefer to talk? Call (561) 896-8992 or email our team.
Health Palm Beach Insurance Advisors is not connected with or endorsed by the U.S. government or the federal Medicare program. Availability varies by location and licensing. This information is not tax advice.