Will I be penalized if I do not enroll in Medicare when I turn 65?

Question

Luis Daza · Accepted Answer

Yes, you may be penalized in two ways or reasons. If you don't have credible health insurance coverage, you will be punished for not having Part B once you turn 65; this is called the Part B enrollment penalty, applicable if you don't have credible health insurance in place. Second, you will be penalized if you don't have credible health insurance with prescription drug coverage in place by the time you qualify for Medicare. You must pay these penalties each month for the rest of your life.

Answered by Luis Daza on March 7, 2025

Broker Licensed in FL, GA, NC & TX

Answered by Luis Daza Medicare Insurance Agent

Gary Church · Answer

It depends on whether you're still working and your employer has 20 or more employees, or if you're covered under your spouse's group health insurance plan with 20 or more employees. Then, no, you do not have to apply for Part B.

Answered by Gary Church on July 22, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi. Thanks for watching. My name is Steve, and I'm the husband, half of the husband and wife Medicare team here in Arizona. The question today is, will I be penalized if I don't enroll in Medicare when I turn 65?

So it's a complicated question, but it boils down to this. You're only going to be penalized by Medicare if you don't enroll in Medicare when you're supposed to, and then you want to enroll at a later date. What I mean by that is when you turn 65, if you're working for a company with more than 20 employees on their medical plan at work and the plan is deemed credible, meaning the plan is as good a coverage or better than Medicare, you're fine. You can waive enrolling until you leave that group plan.

When you leave that plan, the group plan gives you an enrollment window so you can sign up with Medicare after you leave your employer. So they try to be really flexible with people. But I've said it 100 times. Find an independent Medicare agent. They can walk you through this stuff because there's a lot of loopholes and a lot of ways you can get in trouble if you don't follow the rules.

Mike Alexander · Answer

IT DEPENDS IF YOU HAVE CREDITABLE EMPLOYER COVERAGE YOU WILL NOT BE PENALIZED. YOU HAVE 3 MONTHS BEFORE YOU TURN 65, THE MONTH OF YOUR BIRTHDAY , AND 3 MONTHS AFTER TO ENROLL IN MEDICARE WITHOUT A PENALITY.
AGAIN, IF YOU HAVE EMPLOYER COVERAGE, THEN YOU WILL NOT BE PENALIZED. YOU MUST HOWEVER SUBMIT AN l564 FORM FROM YOUR EMPLOYER TO VERIFY PRIOR COVERAGE, IF YOU ARE OVER 65.
YOU DO NOT HAVE TO SIGN UP FOR MEDICARE IF YOU HAVE EMPLOYER COVERAGE, YOU CAN SIGN UP FOR PART A ONLY WHICH IS THE HOSPITAL PART OF MEDICARE , YOUR EMPLOYER PLAN WOULD BE PRIMARY COVERAGE, PART A HAS NO COST TO YOU.  HOWEVER IF YOU HAVE AN HSA, (HEALTH SAVING ACCOUNT), YOU CANNOT HAVE A OR B OF MEDICARE. 
ONCE YOU DETERMINE THE DATE YOU WILL RETIRE, YOU MUST STOP HSA CONTRIBUTIONS 6 MONTHS BEFORE YOU ENROLL IN MEDICARE

Mark Bilgere · Answer

You will not be penalized if you have creditable coverage through an employer or a spouses employer. If the employer has 20 or more employees, your coverage will most likely be creditable. If there are 19 or less employees, you should enroll in Medicare.

Don't assume that employer benefits are always better than Medicare. Every plan is different so it pays to work with a broker in your area that can help you compare the employer benefits to Medicare so you can make the best decision for your situation.

Daniel Brechin · Answer

No you will not be penalized if you are still working. You need to you will get your part A at 67.5. As long as you have insurance either Employer or individual Health. When you leave that you should take out part B. If you do not take out a PDP plan a penality will occur.

Answered by Daniel Brechin on August 31, 2025

Agent Licensed in AL, FL, KY, MS & TN

Answered by Daniel Brechin Medicare Insurance Agent

Norman Smith · Answer

That depends. Did you have proper and competent health coverage before that time? Even if you did, you would need to file for your Part A and defer your Part B and D. If you fail to do that, you are open to being penalized. 
Now, if you are working, you can keep your Employer Healthcare plan as long as you continue to work. Just make sure to defer on the Medicare site, for when you are first eligible.

William Lawler · Answer

You will only be penalized if you do not enroll in Part B when first eligible and then try to enroll at a later date. You can postpone enrolling in Part B if you maintain creditable health coverage through your employer.

Answered by William Lawler on March 29, 2025

Broker Licensed in MO, FL, IA & 12 other states

Answered by William Lawler Medicare Insurance Agent

Larry Dalton · Answer

Yes for most of us! However, if you are on a qualified Medicare group insurance plan through your employment or retired under a Medicare-recognized retirement health insurance group plan, such as a Fedblue retirement plan, there are no penalties until you leave these circumstances. Again, a trustworthy agent can explain this in detail.

Answered by Larry Dalton on March 26, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Christopher Boyd · Answer

You may be penalized in you don't meet certain criteria such a active credible coverage in your state, which may exempt you from enrolling into Medicare while employed and receiving group insurance. Never assume one way or the other. If in doubt, call 1(800)MEDICARE.

Answered by Christopher Boyd on March 4, 2025

Agent Licensed in IN, KY, MI, OH, PA & TN

Answered by Christopher Boyd Medicare Insurance Agent

Mark Maliwauki · Answer

You certainly could be. You must be able to either prove you have medical and prescription drug coverage or get bothPart A and B and a drug plan Part D

Ann Sanfelippo · Answer

It depends on your situation. If you do not have creditable coverage from active employment when you become eligible for Medicare, delaying Part B or Part D can result in late enrollment penalties. 

There are separate penalties for Part B and Part D:

Part B Penalty: Generally 10% of the standard Part B premium for each full 12-month period you could have had Part B but didn't enroll. This penalty usually lasts for as long as you have Part B.

Part D Penalty: Calculated differently. If you go 63 consecutive days or more without creditable prescription drug coverage, Medicare adds a penalty to your Part D premium. This penalty also generally lasts for as long as you have Part D coverage.

So when people hear about the 10% per year penalty, that specifically refers to Part B. The Part D penalty is based on the number of months you were without creditable drug coverage.

However, if you have qualifying employer coverage, you can often delay Medicare and enroll later during a Special Enrollment Period without penalty. There is typically no penalty for delaying Part A if you qualify for premium-free coverage.

Charise Karjala · Answer

The question is, will I be penalized if I don't enroll in Medicare when I turn 65? No, you won't be penalized as long as you've got other health coverage. So if you want to spend $1,500 on a health plan for yourself, by all means, if you enroll in Medicare, you can get a great policy for about $400. So I would suggest enrolling in Medicare unless you already have coverage. If there's an employer-sponsored plan, that's credible. But be careful. There are lots of people who will try to sell you "insurance." But it's not. So be wise. Get well-informed.

Christy Jones · Answer

As long as you have ‘credible coverage’ (for example, coverage with an employer group plan) you will not be penalized for delaying your Medicare enrollment.

Gregg Matheny · Answer

Yes. Unless you have what Medicare considers “credible coverage” (coverage at the providers office and coverage at the pharmacy) from an employer plan. If you turn 65 and have employer coverage, you will still get Medicare part A (in most cases for free) But will not have to pay for Medicare part B And your Employer coverage will be primary.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Vincent Murray · Answer

Yes, unless you have creditable coverage through your employer or somewhere else. You have 3 months after your 65th birthday before late enrollment penalties begin. The penalties can increase your monthly premiums for as long as you are enrolled in Medicare.

Answered by Vincent Murray on October 8, 2025

Agent Licensed in ME, FL & NH

Answered by Vincent Murray Medicare Insurance Agent

Michael Denniston · Answer

If you have employer health insurance with credible drug coverage the answer is no. If you do not sign up for part B Medicare when you turn 65 and you do not have other credible coverage you will be assessed 1% penalty of the monthly cost per month up to 10 months, then you will be charged 10% per year as long as you have Medicare Part B when you do enroll. Call for a better explanation based on your situation. You may also be assessed a penalty for every month beyond your birth month you turned 65 in, if you do not have credible drug coverage. That penalty is 1% per every month that passes after you turn 65. Again, best thing to do contact a profession Medicare insurance agent. Contact me.

Answered by Michael Denniston on July 17, 2025

Agent Licensed in FL, AL, AR & 11 other states

Answered by Michael Denniston Medicare Insurance Agent

Jacqueline Proffit · Answer

You can usually delay enrollment without penalty if you fall into these categories:

You (or your spouse) are still working: If you have health coverage through a current employer with 20 or more employees, you can typically delay Part B and Part D. You will have an 8-month Special Enrollment Period to sign up once the employment or coverage ends.   

Small Employers (<20 employees): Be careful; if your employer has fewer than 20 employees, Medicare usually becomes the primary payer at 65. In this case, you generally must sign up for Parts A and B to avoid huge gaps in coverage and future penalties.   

COBRA and Retiree Coverage: Neither of these count as "current employment" coverage. If you are on COBRA or a retiree plan, you still need to sign up for Medicare at 65 to avoid penalties.

Note for HSA Users: If you plan to keep contributing to a Health Savings Account (HSA), you must delay all parts of Medicare, including Part A. Once you enroll in any part of Medicare, you can no longer make new contributions to your HSA.

Tasha Riggs · Answer

Yes 
Part A is free and it is a 10% penalty if you don't sign up for that 
Part B cost 185 a month.  
Part D for Drugs : The fine is 1% each month so 12% each year 
I would go to www.ssa.gov 3 months before apply for A and B 
If you want to keep your work plan  you do not have to sign up for B. However, even though you can keep your work plan and it maybe no cost, Medicare has stronger coverage and your costs when you use it will be lower. 
I would find a local broker you can trust and talk to them. 
I am also always available so you can talk through it to see which way is best for you

Melonie Wood · Answer

No, If you are still on an employer plan, otherwise a person turning 65 MUST sign up for Medicare. You can sign up 3 months before, the month of your birthday & 3 months after. You have 7 months to sign up for Medicare

Answered by Melonie Wood on March 25, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Brian Moore · Answer

If you don’t enroll in Medicare at 65 without qualifying employer coverage, you’ll face a 10% Part B premium penalty per year delayed, and it’s permanent. It’s unfortunate that Medicare doesn’t do more to clarify these consequences or provide better access to this info, leaving it to folks like me in the industry to educate clients. Without an active group plan, that Initial Enrollment Period is your window to avoid the hit.

Answered by Brian Moore on March 26, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

Kelsey Hentzen · Answer

Yes, you can be penalized if you do not enroll in Medicare when you turn 65. However, if you are on group/work insurance, you may not need to apply for Medicare. Its always a good idea to check with your current employer that you have credible coverage. If you are on Marketplace Insurance or have 20 or fewer employee's, you will need to enroll in Medicare.

Answered by Kelsey Hentzen on May 19, 2025

Broker Licensed in KS & MO

Answered by Kelsey Hentzen Medicare Insurance Agent

James Carlson · Answer

Yes!  There are penalties for not enrolling at age 65 in both medical and the drug plans.  
Thes can be life time penalties that raise your cost of care.

Michael Andrews · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/will-i-be-penalized-if-i-do-not-enroll-in-medicare-when-i-turn-65#michael-andrews

Darlene Murphy · Answer

You May be penalized if you do not have other creditable coverage at the time you were to enroll. If you or your spouse are still working, you are able to defer Part B when you turn 65.

Donnie Vermillion · Answer

If you continue to work and are covered by a group health plan by your employer then no you just need to maintain credible coverage, your HR department can verify that for you. 

If you miss your initial enrollment period when you turn 65 you could face late enrollment penalties if you are not working / maintaining credible coverage through your employer.

Joseph Bachmeier · Answer

You will not incur a penalty as long as you have credible coverage such as an employer group plan. If you turn 65 and do not have credible coverage for over 60-days then you will incur a penalty.

Daniel Maisel · Answer

To make it simply..... NO!

The penalty you refer to only applies to person that does not have qualified Mesocal Insurance at all.

What most Certifies Healthcare Agents would suggest is to at least start Medicare Part A (Hospitals).

Part A does not usually cost you anything, as long as you worked a minimum time in your career.

Feel free to call me or another qualified Medicare Agent.

Brian Krantz · Answer

Maybe. It depends if you’re still working and your employer has 20 or more employees. If not, you could face late penalties — so it’s important to review your situation before delaying.

Ryan George · Answer

As long as you have qualifying coverage, aka group insurance, individual insurance, etc.. no you will not be penalized. BUT if you do not have that coverage and miss your Initial Enrollment Period window for Original Medicare (Part A & B) and Part D, yes you can have a penalty. We always tell everyone, they in most cases, give you 7 months to enroll, don't be lazy!

Answered by Ryan George on February 3, 2026

Broker Licensed in PA, AK, AL & 49 other states

Answered by Ryan George Medicare Insurance Agent

Mary Turner · Answer

You can be penalized if you don't take Medicare at 65.  If, however, you have what's considered "creditable coverage" through an employer, you will NOT be subject to a penalty if you enroll later.

Mariela Arana · Answer

You should enroll within the Initial Enrollment Period window to avoid penalties on Medicare Advantage plans. The Government assumes that you will apply 3 months before your birthday, the month of your birthday, or three months after your birthday. If you go longer than that, you should expect to pay a penalty on your Part B premium. The only time that they do not impose a penalty is when a person continues to work and can prove that they have had creditable coverage. You also want to avoid the part D Prescription drug penalty.

Answered by Mariela Arana on December 19, 2025

Agent Licensed in CA, AL, AZ & 8 other states

Answered by Mariela Arana Medicare Insurance Agent

Cynthia Nakaya · Answer

Hi, my name is Cynthia Nikaya, and today's Medicare question is: Will I be penalized if I do not enroll in Medicare when I turn 65? Now, if you have credible coverage through your job or retirement plan, you won't be penalized. Creditable coverage means at least as good as Original Medicare.

The initial enrollment period for Medicare is three months before, the month of, and three months after your birthday month. If your birthday falls on the first, though, this timeline is moved up a month. After your initial enrollment period ends, you'll face late enrollment penalties.

The late enrollment penalty for Part A is 10% for each 12-month period you didn't sign up. The penalty is twice as long as the length of your late enrollment. For example, if you delay signing up for two years, your 20% penalty will last for four years. Even if you sign up one month late, that is counted as a 12-month period, and you'll pay a 10% late penalty for two years.

Now, Part B's penalty is also 10% for each 12-month period, but it's permanent. Part D's late enrollment penalty is 1% for each month you delay enrollment. You also pay a penalty if you go for 63 days or longer without credible drug coverage. If you qualify for Extra Help, though, your penalty is waived. The Part D penalty may also vary annually based on how it's calculated. If you qualify for a special enrollment period, late enrollment fees may be waived.

Christopher Palazzini · Answer

Not if you are disenrolling from you or your spouses credible employer coverage. 

If you do not enroll when first eligible and you have no proof of credible work coverage, you will be penalized.

Annelies Van Schie · Answer

I get this question all the time.

You would not get penalized if you continue to have a qualified health insurance plan through your employer. 

You could get a Lifetime Enrollment Penalty fee (LEP) if you have individual insurance (a marketplace or private health insurance plan) or COBRA at the time you turn 65. 

I would recommend you to apply for Medicare Part A at time of turning 65. Often times, whenever you do retire, the Part B application could be processed faster than applying for Part A & B at the same time.

Nolan Popel · Answer

Yes, you could face penalties if you don’t enroll in Medicare Part B when you turn 65 unless you have other qualifying health coverage like through an employer, group or union.

Tom Kowalczyk · Answer

Most people think they have to sign up for Medicare at 65, but that is not always true. It depends on your situation.

If you have credible health and prescription drug insurance through an employer or spouse's employer, then no. You do not need to sign up for Medicare at that time.

If you do not have credible health and prescription drug insurance then you may face late enrollment penalties, which can last a lifetime.

Work with a local independent agent to help you understand your situation.

Bob Greco · Answer

There are penalties for not signing up for Medicare when you are 65 four, part B and part D. However, there are many exemptions to these penalties. For example, still employer or have coverage, under spouses employer and many other exemptions. Best advice is to talk to someone who knows these exemptions to find out if you need to apply.

Answered by Bob Greco on September 3, 2025

Agent Licensed in MO, IA & IL

Answered by Bob Greco Medicare Insurance Agent

Pamela Camey · Answer

Yes, you will most likely face a penalty if you do not enroll in Medicare Part B medical insurance when you are first eligible, which is during your Initial Enrollment Period (IEP).  Initial Enrollment period starts 3 months before your birthday, month of your birthday and then 3 months after your birthday.   There are some exceptions to this rule.   If you continue to be employed and your employer is providing you creditable health Insurance, you may waive signing up for Part B.

If you do not enroll in Part B during your initial enrollment period, or have creditable coverage, you will be required to pay a penalty for each 12-month period that you delay enrollment.  The penalty is 10% of the standard monthly premium for each 12-month period of delay.  You will pay this penalty as long as you have part B coverage.

There is a similar penalty for Part D (prescription drug coverage) if you do not have creditable drug coverage and delay enrollment.

There are also a few situations where you may have to pay a penalty for part A (hospital insurance) also called premium-Part A.

Bryan Smith · Answer

Yes and No. It all depends on your current situation. If you don't have creditable coverage, delaying Medicare at 65 may lead to permanent late enrollment penalties.

Justin Lucas · Answer

Yes, you will be penalized unless you have creditable coverage. Employer coverage, retirement, unions. If you have one of those, you should still apply for you Medicare Part A and deny your Part B coverage if you have one of those coverages listed.

Answered by Justin Lucas on July 9, 2025

Broker Licensed in IN, FL, IA & 11 other states

Answered by Justin Lucas Medicare Insurance Agent

Gregory Firmbach · Answer

If during your working life you paid FICA Tax and qualify for Social Security then you’ve earned access to Medicare. 
Part A is hospital coverage and you should enroll when eligible. There is no cost. No penalty for not enrolling (but why wait). 
Part B is Medical coverage and has a minimum premium ($185/month in 2025). If you do not have other coverage as good as medicare such as an Employer Health Plan, you will accumulate a 10% per year penalty if in the future you decide to enroll in Part B. If you still have employer coverage when turning 65, you will get a special election period when you leave the employer health plan to enroll in Part B and no penalty.
Part D is Prescription Drug coverage and like Part B if you are not enrolled and do not have other Rx coverage as good as Medicare’s at any time, you will accumulate a penalty equal to 1% per month of the medicare standard Rx premium when you decide to enroll in a Part D plan. 
Consult with an Independent Licensed Broker for clear guidance when turning 65.

Kim Fisher · Answer

I is according to if you have credible coverage. If you have coverage as good as Medicare then no. If you don’t have other coverage then you would have a penalty.

Kathryn Zekas · Answer

If you don't enroll in Medicare when you turn 65 (without qualifying employer coverage), you'll face a 10% Part B premium penalty per year delayed, which is permanent. 
However, if you continue to work after age 65 and have health insurance from your employer, you can usually sign up for Medicare after your employer coverage ends without paying a penalty. It's a good idea to talk to a local licensed Medicare Broker about your individual situation to make sure.

Alison Hummel · Answer

You can be penalized for late enrollment in Part B and D unless you have "creditable coverage," (deemed as good as Medicare).

Karen Moore · Answer

If you do not have other credible Part B and Part D coverage past your Initial Medicare Enrollment period (3 months before your 65th birthday month, your 65th birthday month and 3 months after your 65th birthday) according to Medicare standards, then yes you will incur a late enrollment penalty when you do enrollment into Medicare Part B and D.

Jason Wisniewski · Answer

If you don't have any other "Creditable coverage", yes you will absolutely be penalized.  And the penalty is a lifetime penalty so if you don't have any other "creditable coverage" it's not a good idea to delay enrollment.  "Creditable coverage" is the key.  If you work for an employer with more than 20 employees that is considered "credible coverage" and you will not be penalized for delaying your Medicare enrollment but you will have to prove that you had this coverage before you eventually do enroll in Medicare later on ( for example you plan on retiring at 67).

If you have no other coverage, only use VA coverage or you somehow stay on an Obamacare plan past 65 or your employer has less than 20 employees and doesn't meet creditable coverage standards then you will be penalized when you join Medicare outside of the 7 month window you have to enroll.

In short, don't play games with this and  make sure you get advice from a professional Medicare broker when handling this.

Sam Duffield · Answer

Yes, there typically is a penalty for not enrolling into Medicare at 65. But you won't be penalized if you delay Medicare because you are still working and keeping insurance through your work (as long as there are more than 20 employees on the employer coverage)

Answered by Sam Duffield on January 19, 2026

Broker Licensed in AL, CO, FL & 5 other states

Answered by Sam Duffield Medicare Insurance Agent

Frank Souk · Answer

As long as you have insurance coverage deemed creditable by Medicare, you can delay your Medicare enrollment past 65 without a penalty.

William Kravit · Answer

It depends.  If you are currently covered under an employer group health plan (EGHP) that's larger than 20 full-time employees or part time equivalents, then no you will not be penalized as long as when you lose that EGHP you then sign up for Medicare Parts A and B.  

If you are covered under a small group less than 20 in size, or coming off an individual plan like Marketplace, then yes you may be penalized by not enrolling in Medicare during the time period that you have to do it.

Anthony Lucero · Answer

Yes, you can be penalized if you don't have what is considered credible coverage. If you or your spouse are still working and your group coverage is considered credible you can delay it with no penalty but you will want to compare your work coverage to Medicare to see which one would work to your benefit based on cost and coverage.

Answered by Anthony Lucero on August 5, 2025

Broker Licensed in CO, CA & FL

Answered by Anthony Lucero Medicare Insurance Agent

Marc Carr · Answer

It depends... once you leave employer health insurance from the workplace, you have an 8 month window to enroll into Medicare without a late enrollment penalty for Medical, Part B coverage. But if your 65, still working and have employer coverage, you may delay your Medicare enrollment in order to stay on employer health insurance.

Answered by Marc Carr on March 11, 2025

Broker Licensed in OH, IL & MS

Answered by Marc Carr Medicare Insurance Agent

Tonya Bell · Answer

That depends on if you are still working or if you have other creditable coverage through an employer or spouses employer. You don't want to enrol in A or B if you still have an HSA you are contributing to.

Answered by Tonya Bell on March 25, 2025

Broker Licensed in SC, AZ, CT & 16 other states

Answered by Tonya Bell Medicare Insurance Agent

Charles Wheeler · Answer

A big concern for people as they turn 65 is if they DO NOT enroll in Medicare they will be penalized. It is a common misnomer. The truth is someone will be penalized if (1) They do not enroll in Medicare when first eligible AND (2) They DO NOT have credible coverage from another source (employer, spousal coverage, etc). If you continue to work, or have insurance through your spouse, (as long as it is creditable) you WILL NOT be penalized.

Answered by Charles Wheeler on February 11, 2025

Broker Licensed in MA, CT, FL & 7 other states

Answered by Charles Wheeler Medicare Insurance Agent

Marye Carr · Answer

No, but you must keep creditable prescription drug coverage, if not, you will be penalized for those months that you had no coverage when you apply for Medicare.

Steven Bleicher · Answer

If you are covered by an employer plan, you only need Medicare Part A for hospital coverage which is FREE. Once you retire, you will need to pick up Part B (outpatient) with a monthly premium. However, once you join Medicare, you will have to acquire a Part D(rug) plan immediately or a penalty will ensue!

Answered by Steven Bleicher on May 20, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Andrew Zurbuch, MBA · Answer

You could be penalized for Medicare Part B if you are eligible & you do not enroll in Part B, if you don't have creditable coverage inforce. It is a 10% premium penalty by Medicare. Keep records of your existing medical insurance. If your next to Medicare look into a Medicare Advantage plan.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Steve Houchens · Answer

It is possible to receive a late enrollment penalty if you don’t enroll in Medicare par B or part D when you are eligible. The exceptions are if you are still working and have employer coverage or have other credible coverage from a spouse or something like VA.

Answered by Steve Houchens on August 3, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Timothy Brown · Answer

It depends on whether you’re currently insured by a group employer insurance plan. If you are, then the answer is NO because the group insurance is deemed as creditable coverage which means you will not be penalized for not signing up for Medicare when or after you turn 65. Signing up for Medicare is only required if an individual 65 or older has no medical insurance at all.

Answered by Timothy Brown on May 3, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Kristen Skinner · Answer

It depends. If you are still employed and the employer still offers you insurance even though you are aging into 65, then you will not be penalized because you had credible coverage through an employer. If it is not credible and you are not still employed by an employer, then yes you can get a penalty for not enrolling in Part B and Part D. You may not be penalized for not taking Part D if you are a Veteran or Native American because you get your benefits through the VA or the Native Americans.

Answered by Kristen Skinner on March 16, 2026

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Leslie Kaz · Answer

If you’re 65 and don’t have employer insurance from a company with at least 20 employees, you need to sign up for Medicare or you’ll face lifetime penalties. If you do have employer coverage, you can safely delay it.

Answered by Leslie Kaz on November 24, 2025

Agent Licensed in CA, AL, AZ & 7 other states

Answered by Leslie Kaz Medicare Insurance Agent

Michael Pyers · Answer

Depends, If, you work for an employer that has more than 20 employees and coverage as good as Medicare. That would be considered Creditable coverage, and you could hold off until that coverage ends. However, if you have 40 quarters of paying into Medicare, it would be wise to go ahead and sign up for part A since there would be no premium.

Answered by Michael Pyers on March 26, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Barbara Barnes, CMIP® · Answer

Maybe.  It depends on WHY you choose to delay your enrollment.

If you delay your Medicare enrollment because your have coverage at work, possibly including a Health Savings Account that you contribute to for the tax benefits, you will likely be able to delay enrollment in Part A, Part B or both A and B, and then enroll for those benefits at a later date, when the employee benefits expire - usually due to retirement in some form.  But don't delay when that coverage ends - you will have a limited amount of time to enroll without a penalty.

However, if you work for a small employer with fewer than 20 employees, you should not delay your Medicare benefits because your group health plan will be secondary to Medicare and you will need Medicare Parts A and B as your primary insurance, even if you continue with the group plan at work.

If you choose not to enroll for Medicare Parts A and B simply because you don't want it, or you don't think you need it, or you don't want to pay for it, then you will owe a penalty if you sign-up for it later, and you can only sign-up at a certain time of the year.  That will be bad if you get a cancer diagnosis and then must wait another 10-months to get Medicare coverage.

Every situation is different, so it is important to consult with a Medicare professional to get answers to your questions and help you decide what option is best in your particular situation.

Priscilla Ramos · Answer

Not necessarily. If you have credible employer coverage from active employment, you can usually delay Medicare Part B without a penalty.
But if you don’t have qualifying coverage and delay enrolling, you could face late enrollment penalties for Part B and Part D later.

Rick Boyd · Answer

If you have group employer supplied health insurance, that will be sufficient to meet the requirement. Always check with your employers HR department if there is any doubt.

DeeDee Whitlock · Answer

Everyone's situation is different, If you are enrolled in an employer group plan with more than 20 employees no penalty will be accessed

Vernon Jones · Answer

Yes, you should sign up in most cases for Medicare when you turn 65 even though you are still working and have creditable coverage and a drug plan on your job, but you would not need to sign up for Part B but instead get Part A only for in most cases it won’t cost you anything for it as long as you have worked 10 years or 40 quarters. Then you wouldn’t be penalized

Answered by Vernon Jones on August 13, 2025

Broker Licensed in NC & SC

Answered by Vernon Jones Medicare Insurance Agent

James Stang · Answer

You need to be enrolled in Medicare when eligible or have credible coverage to not be penalized. Credible coverage is normally an employer plan or other group health plan.

Michael Yost · Answer

Someone could be penalized, depending on their situation. If someone has employer coverage, they may be able to stay on their employer plan without any penalties. That's something we help people with to see if they need to apply for Medicare or not. Each scenario is different.

Answered by Michael Yost on April 22, 2025

Broker Licensed in OH, AL, AZ & 27 other states

Answered by Michael Yost Medicare Insurance Agent

Melanie Blackston · Answer

No, you will just need to delay your Part B and you will need to make sure you have credible medical coverage with prescription benefits as well.

Deb Haley · Answer

Late enrollment penalties only apply if you do not enroll in Medicare parts A and B within 3 months after you turn 65 or within 63 days of your employer health coverage ending if you continue to work and are covered by the employer for health insurance after the age of 65.

Answered by Deb Haley on April 24, 2025

Broker Licensed in MA, AZ, CA & 11 other states

Answered by Deb Haley Medicare Insurance Agent

Brianna Douros · Answer

You have your initial enrollment period (IEP) to sign up for Medicare to avoid any late enrollment penalties. Your IEP is 3 months before, the month of, and 3 months after your 65th birthday. You can enroll by telephone 1-800-Medicare, online at ssa.gov, or you can also apply at your local social security office.

Answered by Brianna Douros on April 30, 2025

Broker Licensed in VA, CO, NC & TX

Answered by Brianna Douros Medicare Insurance Agent

Brian Kulis · Answer

Yes, you may be. There are so many factors involved. It would be best to talk to a local agent to make sure that you are not penalized.

Michael Wallner · Answer

Yes, you will receive a late penalty for your Part B and Part D premiums for not signing up for Medicare when you turn 65. You can avoid these penalties by being able to demonstrate that you have creditable coverage, (Health Insurance and Prescription Drug Coverage that is as good or better than Medicare Coverage). If you have creditable coverage, you can sign up for Medicare at any age after you lose that creditable coverage.

Answered by Michael Wallner on March 30, 2026

Agent Licensed in DE, MD & NY

Answered by Michael Wallner Medicare Insurance Agent

Rob Campbell · Answer

If you are still working and have credible group coverage or are covered by a spouses group coverage, you are not required to enroll in Medicare. If you do not have group coverage, and you choose not to enroll in Medicare, when you turn 65, you will pay a penalty if and when you do enroll in Medicare

Cody Brown · Answer

Will I be penalized if I do not enroll in Medicare when I turn 65? There are two ways that Medicare can penalize you. If you don't take out Part B when you're first eligible for it in your 65th birthday month, or if you don't take out Part D when you're first eligible for it. Now, if you're continuing to work after age 65 and you keep insurance through your employer, you can come off that insurance at any time after the age of 65, and you will avoid those penalties because you kept credible coverage throughout that time. So as long as you keep credible coverage, you do not have to pay those penalties. But those penalties are 10% for every 12 months that you go without Part B. So if you go 10 years without Part B, you'd pay an extra 100% on top of what that Part B premium is that year. So you definitely want to make sure you keep that credible coverage and keep proof that you had that credible coverage throughout that time. There's a specific Social Security form that your employer would have to fill out and sign, showing that you had credible coverage during that time.

Gretchen Morris · Answer

Only if you do NOT have creditible coverage according to Medicare.  Your human resources dept should be able to tell you this.

Sean Davis · Answer

Yes, you may face penalties if you do not enroll in Medicare when you turn 65 and do not qualify for a Special Enrollment Period. Specifically, if you delay enrolling in Medicare Part B without having other creditable coverage, you could incur a late enrollment penalty of 10% for each full 12-month period you were eligible but did not enroll. This penalty lasts for as long as you have Part B. For Part D, the late enrollment penalty applies if you go 63 days or more without any creditable prescription drug coverage after your Initial Enrollment Period. It's important to understand these timelines and penalties to ensure you have the necessary coverage without incurring extra costs.

Robert Helmkamp II · Answer

If you or your spouse work for an employer that offers medical coverage you may delay enrolling in Medicare Part B. In any other situation you will penalized a late enrollment penalty if you do not sign up for Medicare when first eligible.

Becki Jennings · Answer

Yes you could, unless you have creditable coverage—typically through an employer with 20 or more employees.

John Zentner · Answer

Yes, you may be penalized if you do not enroll in Medicare Part B when you turn 65 and don't have other qualifying health coverage. This penalty is a surcharge added to your monthly premium and can last for as long as you have Part B. 

When you turn 65, you have a 7-month Initial Enrollment Period to sign up for Medicare (3 months before, the month of, and 3 months after your 65th birthday). 

The penalty is usually 10% of the standard monthly premium for each full 12-month period you delayed enrollment. 

If you have creditable coverage (like through your employer) when you turn 65, you can delay enrollment without penalty and enroll later during a Special Enrollment Period, which is triggered when your other coverage ends.

Christopher Orr · Answer

if you dont have credible coverage , yes you will be penalized for not starting your part b medical. and if you employer size is under 20 employees you must start you medicare part b at 65.  most cases medicare parts A & B active with supplmentary would be cheaper than group.

Victoria Shiu · Answer

This is one of the most confusing questions I receive as a Medicare Advocate.  The answer depends on your situation when you turn 65.  
If you have creditable coverage when you turn 65, you can delay Medicare without penalty.  Creditable coverage, in the context of Medicare, refers to health insurance coverage, particularly prescription drug coverage, that is at least as good as Medicare Part D.  Examples include an employer with 20 or more employees, Tricare, VA, or union coverage.

You will face penalties if you don’t have creditable coverage and skip enrollment at 65.

Paul Dzierzanowski · Answer

Possibly. If you do not enroll in Medicare typically around the 7 months surrounding your 65th birthday you may have to pay a penalty. This depends on factors such as whether or not you have other health insurance coverage that is similar to the coverage Medicare provides. Since you may be assessed a penalty for not having the proper coverage you should consult with a qualified Medicare insurance specialist to weigh all of your options.

Elijah Pannell · Answer

Yes, you may face penalties if you do not enroll in Medicare when you first become eligible at age 65, unless you qualify for an exception—such as having qualifying employer coverage. The most common penalties apply to Medicare Part B (medical insurance) and Part D (prescription drug coverage). If you delay enrollment without other credible coverage, your monthly premium may increase and the penalty generally lasts for as long as you have Medicare.

It is important to carefully review your options and act within your Initial Enrollment Period to avoid additional costs. For more details about enrollment policies, you may refer to this official documentation: DSNP Default Enrollment Policy.

Helena Foutz · Answer

If you have some form of creditable coverage (medication coverage at least as good as that from a Medicare prescription drug plan), then you can stay on your plan if you like and not incur a penalty.  If you do  not have an employer group plan with creditable coverage, you could incur a Late Enrollment Penalty for Part B after 12 months and Part D for every month after your Initial Enrollment Period!

Lea Ayres · Answer

If you turn 65 and still working for a company that has at least 20 employees you will not be penalized for enrolling in Mediare.  A penality will occur when you are 65 and go with out enrolling in medicare and at least having prescription drug plan.

Ryan Raphael · Answer

You will not be penalized if you are a spouse is still working and are a part of 20 or more employees. Then there are no penalties.

Angela Trinidad · Answer

It just depends, if you’re still working and are covered under employer group plans and can provide proof at the time you wish to enroll into Medicare the answer is no.  But if you’re not working and or not covered under an employer group plan that’s equal to or better than Medicare the answer would be yes if you miss your 7 month window or 8 month loss of credible coverage window.

Trina Knoche · Answer

It depends on if you have credible coverage or not.  If you are still working and work for an employer that provides credible coverage (20+) employees, you do have to sign up for Medicare.  However, sometimes it's better coverage.  It's worth discussing this with an agent licensed to sell Medicare to walk you through the process.

Peter Yeh · Answer

Yes, you may face penalties for late enrollment in Medicare Part B if you don't enroll when first eligible and don't have creditable coverage from another source. The penalty is typically 10% of the Part B premium for each 12-month period you were eligible but didn't enroll, and you'll likely have to pay this penalty each month for as long as you have Part B.

Maureen Wark · Answer

In general, people need to enroll in Medicare when they turn 65.  A person's Initial Enrollment Period is 7 month long.  The three months prior to their 65th birthday month, the month they turn 65, and the three months afterward.  However, there are certain circumstances that allow a person to enroll at a later date.  One such reason is if they are working or married to a spouse who is working and has Creditable health care from their employer.

Cheryl Mahon · Answer

If you have credible coverage from an employer, you will not be penalized for enrolling in Medicare Part B after the age of 65. I can help you determine if your group health care coverage is considered credible. After you retire, you will have a special election period to enroll in Medicare Part B when you come off of your group health care plan. You can elect to start your Medicare Part A coverage when you turn 65 or at a later date with no penalty.

Pete Alberti · Answer

You can delay Medicare without penalty if You (or your spouse) are still working and covered by a group health plan from an employer with 20+ employees.  Then you can qualify for a Special Enrollment Period (SEP) after that coverage ends —penalty‑free.

Tom New · Answer

Yes.  There is a time limit to sign up for Part B and a huge penalty.  You will also be penalized for not having a prescription drug plan.

Fred Manas · Answer

Yes, generally, if you don't enroll in Medicare Part B when you're first eligible (when you turn 65), you may face a late enrollment penalty. This penalty increases the longer you delay enrollment and is typically a 10% increase to your monthly premium for each 12-month period you were eligible but didn't enroll. 
Here's a more detailed explanation:
Initial Enrollment Period:
When you turn 65, you have a 7-month Initial Enrollment Period to sign up for Medicare Part B without penalty. 
Late Enrollment Penalty:
If you don't enroll during your Initial Enrollment Period and don't have other qualifying health coverage, you may have to pay a penalty. 
Penalty Calculation:
The penalty is usually 10% of the standard Part B premium for each 12-month period you delayed enrollment. 
Lifetime Penalty:
This penalty is typically added to your monthly premium for as long as you have Medicare Part B. 
Exceptions:
Working Past 65:
.
If you're still working and have health insurance through your employer or your spouse's employer, you may be able to delay enrollment in Part B without penalty. 
Special Enrollment Period:
.
You may have a Special Enrollment Period to sign up for Part B without penalty if you lose your employer-sponsored coverage. 
Important Considerations:
Part A:
You generally don't have to pay a premium for Part A (hospital insurance) if you or your spouse has worked for at least 10 years (40 quarters) in Medicare-covered employment. If you do have to pay a premium for Part A, there may also be a late enrollment penalty for delaying enrollment. 
Part D:
Similar to Part B, there is a late enrollment penalty for Part D (prescription drug coverage) if you don't enroll when first eligible and don't have other creditable prescription drug coverage. 
In summary: While you're not required to enroll in Medicare at 65, delaying enrollment without a valid reason can lead to late enrollment penalties that can last for the duration of your Medicare coverage.

Vachik Chakhbazian · Answer

Yes, there are penalties for delaying enrollment in Medicare Part B, The penalty is a 10% increase to your monthly premium for each 12-month period you delay enrolling, and you'll pay this penalty for as long as you have Part B.

Gary Henderson · Answer

I know first of all you should roll in part A because it's free as long as you've worked for at least 10 years in the United States 
You don't have to enroll in part b if you're already covered by your employer plan. However, you might want to weigh that against the cost and coverage you get in Medicare versus what you're paying for your employer plan 
Once you lose coverage and or retire, then you have 6 months to enroll in Medicare part B without penalty. If you fail to enroll, the penalty starts at 10% per year based on the price of part b coverage. 
Some federal and state government employees may be exempt 
Is best to always talk to a licensed insurance agent to make sure that your particular situation is answered

Mary Brown · Answer

Yes, delaying Medicare Part B or Part D at 65 can trigger late enrollment penalties, increasing premiums, unless you qualify for a Special Enrollment Period.

Andrew Kramer · Answer

This is a common question for those still working and on employer group health insurance. The exact definition from CMS (Medicare) is: If you want to keep your employer group health insurance, and there are 20 or more employees ON THE PLAN (not just employed) then you can stay on that plan and will not be penalized later when you retire and enroll in Medicare Part B.  However, you need to check if the SSA auto enrolled you in Part A, 3 months before your 65th birthday (that used to be automatic, but not so anymore). And you need to also check if your group health plan drug benefits meets the minimum required by CMS. If not, you will need to sign up for a Part D plan within 3 months after your birthday month, to avoid a future penalty (LEP).

Meghan Blankenship · Answer

Yes - you could face penalties if you don't enroll in Medicare when you turn 65, unless you have other qualifying coverage.

Mark Boone · Answer

Yes, you will likely face a Medicare Part B late enrollment penalty if you don't enroll at age 65 unless you have other creditable coverage, such as through a current employer. This penalty is a permanent 10% increase to your monthly Part B premium for each 12-month period you delay enrollment. You may also face a Part D penalty if you delay prescription drug coverage without creditable alternative coverage. You have 3 months before you turn 65, the month you turn 65 and 3 months after you turn 65 to enroll in Part B without penalty.

Todd Bostic · Answer

You just need to notify 1-800-Medicare that you want to delay your enrollment, otherwise you will be penalized.

Dean Chiapetto · Answer

That depends. If you do not have coverage with a company of more that 20 employees, then yes.
If you paid into Social Security for 40 quarters you are entitled to part A of Medicare and should enroll. If you are working and your company has fewer than 20 employees, you do need to enroll in both Parts A&B, who become your primary insurer. If you work for an employer with more than 20 employees, you may not be required to enroll in Medicare until you leave your employer. Enrolling in Part A makes it easier when you leave your employer, the employer will be your primary insurer.  Find a qualified local broker.
Brokers Make a Difference!!!

Pat Papson · Answer

Absolutely, you will be penalized.. 
At least enrollment in Part A. Which is free.
Do you have creditable Medical coverage after your 65?
Best to find a local Agent to walk you through all your options. 
Thank you

Karen Ansell · Answer

You can be penalized if you do not take Medicare at age 65 up to 10% a year and if you do not take a prescription plan 1% per month.
However, in certain situations you do not have to take Medicare and will not incur a penalty.
If you or your spouse are currently working and have credible coverage through their employer you do not have to take Medicare.

Michael Kim · Answer

That depends on if your going to continue to work, and if you have insurance through your company then no you will not be penalized. But if you do turn 65 and you have no insurance coverage then yes you will be penalized, but you have 6 months three months prior, 3 months after your birthday.

Ben Washington · Answer

Will I be penalized if I do not enroll in Medicare when I turn 65? yes if don't have creditable coverage.  
Enroll during your Initial Enrollment Period (IEP): This is the 7-month window around your 65th birthday (3 months before, your birth month, and 3 months after).
Have "Creditable Coverage": If you're still working and have health insurance through an employer (yours or your spouse's), you can often delay Part B and Part D without penalty. 
Use a Special Enrollment Period (SEP): If you are still working, you have an eight-month window to sign up for Part B and a 63-day window for Part D after your employer coverage ends.

Julie Thompson · Answer

It will depend on what your current insurance coverage and situation. If you have none yes it could cause yiu to have a penalty. You initially have 3 months before you turn 65, the month you turn 65 and 3 months after you turn 65 a total of 7 months to enroll without penalty. If you have other creditable coverage then you may be eligible to enroll at a later date under a special enrollment period without penalty.

Sam Silva · Answer

You may be penalized if you don’t enroll in Medicare when you turn 65, unless you have creditable coverage through an employer or union.  Part A is usually premium-free, so there’s no penalty for delaying if you qualify.  However, delaying Part B without creditable coverage can result in a 10% penalty for each 12-month period you delay, and that penalty lasts for life.  Part D (prescription coverage) also carries a lifetime penalty of 1% of the national base premium for every month you go without creditable drug coverage.  To avoid penalties, enroll during your Initial Enrollment Period or qualify for a Special Enrollment Period.

Linda Davies · Answer

Yes, you will likely be penalized if you don't enroll in Medicare Parts A and B when you are first eligible, which begins three months before your 65th birthday. You'll incur a late enrollment penalty for each part if you don't enroll within your Initial Enrollment Period. 

Here's a more detailed explanation:

Part B Late Enrollment Penalty:
If you don't sign up for Part B when you're first eligible, your monthly Part B premium will increase by 10% for each 12-month period you were eligible but didn't enroll. This penalty is added to your premium and continues for as long as you have Part B. 

Part A Late Enrollment Penalty:
If you have to purchase Part A (because you don't qualify for it automatically based on your work history) and don't enroll during your Initial Enrollment Period, you'll also face a late enrollment penalty. This penalty is 10% of your monthly premium and you'll have to pay it for twice the number of years you were eligible but didn't enroll. 

Exceptions to Late Enrollment Penalties:
There are some exceptions, including if you have qualifying coverage from your employer or spouse's employment. You may also be able to enroll during a Special Enrollment Period if you meet certain conditions. Additionally, if you have limited income and are eligible for a Medicare Savings Program, you may not be penalized. 

Part D Late Enrollment Penalty:
If you don't enroll in a Medicare Part D plan (for prescription drug coverage) and don't have creditable drug coverage, you'll also face a late enrollment penalty. This penalty is 1% of the national average premium for each month you were eligible but didn't enroll.

Jeffrey Sodikoff · Answer

THAT DEPENDS ON MANY FACTORS. DO YOU HAVE ANY CREDITABLE HEALTH INSURANCE COVERAGE WITH A COMPANY NOW ? IF NOT , YOU WILL BE PENALIZED.

Robert Remin · Answer

Robert Remin, expert Medicare plan advisor, licensed in NY, CT, NJ, and FL. If you are working past age 65 and have a Medical plan from work or can stay on a spousal work Medical plan after age 65 (have spouse check with their HR or carrier if you can stay on plan) there is no penalty. Otherwise you have a 3 month window after month turn 65 to signup. 

If leaving a work plan you have an 8 month window as long as not on Cobra. 

If working past age 65 or on spousal plan ou would sign up for part A Medicare only in the window of 3 months before you turn 65 to the 3 months after. If you miss the window for Part A no worries as no penalty for late part A signup. 

If you have HSA account from work and will keep working past age 65 you do not sign up for either Part A or B.

Tamela Clayton · Answer

“Great question. 

You are not automatically penalized just for turning 65 and not signing up for Medicare. If you have other coverage that Medicare considers ‘creditable’ when you turn 65, you can delay certain parts without a late penalty. You usually see penalties when someone goes for a long stretch without creditable coverage for Part B or Part D and then signs up later. Those penalties only kick in if you go that stretch without creditable coverage and later decide to enroll. If you delay and never enroll in that part of Medicare, you won’t pay the penalty because you never take the coverage.

But if you ever decide later that you want that coverage, the penalty will be waiting and gets added to your monthly premium. That’s why it’s important to look at your timing and coverage now so you’re not surprised later.”

James Wareheim · Answer

At 65 you should at least enroll in Part A, there should be no premium charge to you for that.  If you are on a group health plan with doctors visit co-pays and prescription drug co-pays you don't have to enroll in B or D and you won't be penalized.  There are exceptions at times.  You should talk to a reputable agent to go over your details.

Amy Jones · Answer

If you have creditable coverage from another source such as an employer plan, then the late enrollment penalty does not apply for as long as you have that coverage. If you do not have creditable coverage and you do not enroll in Medicare Part B when eligible, then you will have to pay a penalty when you enroll, which increases every year that you were eligible for Medicare but did not enroll.

John L Herman Jr · Answer

There are many possibilities to such an open question... every individual has a different situation and therefore you should consult a Medicare Broker as you approach that milestone birthday. Trying to navigate MEDICARE on your own is dangerous to your health plan.  You may be working and have a Health Care Plan... you may not qualify due to your wok history... or you may face penalties by making the wrong choices at 65.  Contact an Independent Broker who WILL NOT CHARGE YOU and will make sure you get this right.

Jeremy Watson · Answer

If you are covered through creditable group coverage or through a spouse's creditable group coverage, you do NOT have to take Medicare Part B or Part D, and you will NOT incur any penalty.

If you do not have creditable coverage and simply choose just not to enroll in Part B and/or Part D, you will incur penalties based on length of time without coverage. They are monthly assessed, lifetime penalties.

Natalee Nimmo · Answer

Short Answer: Yes! Medicare is NOT optional. It is a requirement. However, there are special circumstances that allow you to delay it without penalties later on. You really need to speak with a Medicare Expert to go over this and ALL your options. This way, you will be making a more informed decision for yourself.

Charlie Fitzgerald · Answer

There are specific circumstances where this may occur.  For this reason, it’s critical to seek the guidance of a licensed agent to work with you.

Larry Pereiro · Answer

Only if you do not have credible coverage at the time of your eligibility. Penalties are assessed based on Part B as well as Part D eligibility dates.

Jermaine Williams · Answer

Yes and no. If you still employed and it is deemed credible coverage then you will not be penalized. If not, you are expected to apply for Medicare at 65 to avoid a penalty

Aisha Saleem · Answer

If you don't sign up for Medicare when you're eligible, you might have to pay a higher premium when you do sign up.

Julia Alves · Answer

If you have creditable health coverage through your (or your spouse’s) active employer, meaning it’s as good as or better than Medicare, you can delay enrolling without facing any penalties.

But if you don’t have that type of coverage and skip enrolling when you first become eligible, you could end up paying late enrollment penalties that last a lifetime:

Part A: Most people get this premium-free, so there’s usually no need to worry, but if you do have to pay for Part A and you delay, there’s a 10% penalty that lasts twice as long as the time you waited to sign up.

Part B: 10% extra added to your monthly premium for every 12 months you delay.

Part D (prescription drug plan): 1% added for each month you go without creditable drug coverage.

So, the short version... if you’re turning 65 soon, make sure you know whether your current insurance counts as creditable coverage before you delay. It can save you a lot of money later!

Frankie Cochran · Answer

not if you have credible coverage. if you do not have credible coverage yes. that penalty goes up each month that you don't have credible coverage and never goes away when you sign up for credible coverage

Danielle Jimison · Answer

Yes,  if you don’t enroll in Medicare when first eligible at 65, you may face permanent late enrollment penalties unless you have qualifying coverage (like employer insurance).  It is best to check with a licensed Medicare agent to learn more of how these penalties will be applied.

Jajuan Knox · Answer

It depends on your situation. If you don’t enroll in Medicare when you turn 65 and you don’t have other qualifying coverage, you could end up paying a late penalty for Part B and Part D later on. However, if you’re still working and have good employer coverage, you can usually delay signing up without a penalty as long as you enroll during your special enrollment period based on guidelines from the Centers for Medicare & Medicaid Services.

Humara Riaz · Answer

When You're First Eligible (Initial Enrollment Period)
You can enroll in Medicare during your Initial Enrollment Period (IEP):

Starts 3 months before the month you turn 65

Includes your birthday month

Ends 3 months after your birthday month (7-month window)

Daniel Underwood · Answer

You might face a penalty if you don’t sign up for Medicare when you turn 65, unless you have other qualifying health coverage, like from an employer. The late enrollment penalty can make your monthly premium higher for as long as you have Medicare.

Steven Maicus II · Answer

Yes, you will likely be penalized if you don't enroll in Medicare Part B when you're first eligible, which is when you turn 65. You'll pay a penalty on your monthly Part B premium for as long as you have Part B, and the penalty increases for each 12-month period you delay enrollment. 

Here's why and how it works:

Initial Enrollment Period (IEP):
You're first eligible to enroll in Medicare Part A and B during your IEP, which starts three months before you turn 65 and ends three months after your 65th birthday. 

Steve,

Tammam Tayara · Answer

Yes, you could face penalties if you don’t enroll in Medicare Part B when you turn 65 unless you have other qualifying health coverage like through an employer, group or union.

Answered by Nolan Popel on March 25, 2025

Agent Licensed in NY, AZ, CA & 15 other states

Answered by Nolan Popel Medicare Insurance Agent

Robert Rowe · Answer

It all Depends on your current coverage and if it’s considered credible coverage in the eyes of Medicare. If you don’t enroll in Medicare but have credible coverage then you are completely fine. However if you don’t enroll in Medicare part A first and then part B between 3 months before or 3 months after your 65th birthday with NO credible coverage then you are subject to part B premium penalties.

Lakisha Bryant · Answer

You will be penalized if you do not have creditable prescription coverage and health insurance from an employer. Penalties are permanent.

Daniel Matar · Answer

Yes, you can be penalized if you fail to enroll in Medicare part B when you first qualify if you don’t currently have credible coverage

Jessica Ellis · Answer

Yes you can be penalized if you delay enrolling in Medicare once you turn 65, but it depends on your situation. If you do not have other creditable coverage like health insurance through an employer, you may face late enrollment penalties. The penalty for Part B is a permanent increase in your monthly premium for every year you waited. The penalty for Part D works the same way and adds a fee for each month you delayed. If you do have employer coverage when you turn 65 you can usually wait and sign up later without a penalty.

Jamie Herrick · Answer

Good question! Double check with your nearest social security office to get the most up to date information. Make sure you have a part D plan as well to avoid penalties even if you don’t take a medication!

Deborah Lee · Answer

If you have current, credible coverage through a group health plan, you will not incur a penalty. However, there are variables, so check with an advisor to establish your situation.

Maurice Ellis · Answer

Medicare penalties for late enrollment are extra costs you may have to pay if you delay signing up for certain parts of Medicare when you are first eligible. These penalties are typically added to your monthly premiums for as long as you have that coverage. 
Part A Late Enrollment Penalty: If you don't sign up for Part A when you're first eligible and have to pay a premium, you'll incur a 10% penalty on your monthly premium for each period you could have signed up but didn't. This penalty is applied for twice the number of years you delayed enrolling. 

Part B Late Enrollment Penalty: If you delay enrolling in Part B, you'll pay an extra 10% on your monthly premium for each full 12-month period you could have signed up but didn't. This penalty continues as long as you have Part B coverage. 

Part D Late Enrollment Penalty: If you delay enrolling in Part D or have a gap in your prescription drug coverage, you'll pay a 1% penalty on the national base beneficiary premium for each month you were without coverage. This penalty is added to your monthly Part D premium for as long as you have the coverage.

Linda Bolan · Answer

There are penalties involved if you do not have health insurance through an employer and you wait to enroll in Medicare.

If you do have an employer sponsored health insurance, you will not be penalized if you can provide proof of insurance when you decide to retire and go onto Medicare.

George Francis · Answer

It depends! Medicare enrollment is not mandatory. 

Reason - still working and covered by an employer's qualified group health plan with 20 or more employees.

Amal Sahyoun · Answer

Maybe if you still have coverage that is considered "creditable" through your employer or through your spouse's employer you will not be penalized.  However, when you no longer have "creditable" coverage & don't sign up. You will be penalized.

Jonathan Brower · Answer

Yes, if you don’t have other credible coverage in place you will begin being penalized for both parts B and D.  The penalties are permanent.

Robin Earley · Answer

There can be exceptions to this rule. If you have coverage from an employer, you may be exempt from penalties. A special enrollment period could apply to your personal situation and we can discuss circumstances that affect any potential penalties.

Kelly Allen · Answer

That depends, if you have worked up to forty quarters and are entitled to Medicare Part A with or without a cost. If you are eligible for Part B of Medicare, you can defer it if you are still working and have employer group health coverage. If you are still working and have creditable prescription drug coverage through an employer group health plan you won't be charged by Medicare a LEP (Late Enrollment Penalty). Always let Social Security know what you have for health coverage and what you are deferring at least three months before turning sixty-five.

Derek Warren · Answer

Yes unless you have creditable coverage from an employer with over 20 employees. If that’s the case you could defer the start date of part b which would give a Special Enrollment period lasting up to 63 days.

Seyed Kamarei · Answer

Generally speaking, if you do not sign up for Medicare on time, you may have to pay a 10% surcharge on Medicare Part B premiums for each year you go without coverage starting the month you're eligible for coverage. You'll have to pay this penalty each time you pay your premiums as long as you have Part B.

April Ryan · Answer

The short answer is yes.   However, if you and/or your spouse are still working and have credible employer-sponsored health insurance, you can defer enrollment.   You should, however, go ahead and enroll in Medicare Part A as there is no cost.   The penalty for not enrolling when eligible is 10% of your monthly Part B premium for each year that you do not enroll.

Christie Bondos · Answer

If you're eligible for Medicare when you turn 65 and don't have employer or spousal employer coverage you can face penalties. There are rules for creditable coverage which state the current plan must have over 20 full time employees and meet the standard model of coverage that is comparable to Medicare coverage. IF you're still working and not going to take Part B or D because your coverage meets the criteria you should be alright. You also have Initial Coverage Enrollment Periods that begin the 3 months before your birthday, the month of, and 3 months after. There is more to this so consult with a licensed agent who can educate you more also you can go on Medicare.Gov and look up Enrollment Periods and penalties .

Charles Wimmer · Answer

1) Not necessarily. Are you still working and have benefits with your current employer?
2) There could be a penalty for waiting to long to sign up.

Brooke Smith · Answer

Yes, you will be penalized if you do not enroll during your Initial Enrollment Period, unless you have other creditable coverage through an employer that meets Medicare Rules and standards. There are criteria that your current insurance will need to meet in order to  to qualify as "creditable coverage". Always consult your HR and a Licensed Insurance Agent to avoid penalties.

David Alelishvili · Answer

For Medicare Part A and Part B, most individuals have an Initial Enrollment Period (IEP) that begins 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after. This is the timeframe when you may enroll to avoid any gaps in coverage.

Regarding Part B, whether you should enroll immediately or delay depends on your current employment situation. If you or your spouse are actively working and you are covered under an employer group health plan that is considered creditable coverage, you may choose to delay Part B without a late enrollment penalty.

Once that employment or coverage ends, you will have an 8-month Special Enrollment Period (SEP) to enroll in Part B. It is important to enroll during this period to avoid potential penalties or delays in coverage.

If you would like help reviewing your Medicare options or determining whether your current coverage is considered credible, I’m happy to assist.

David Alelishvili — Contact me.

Steve Dunn · Answer

Penalties do apply.  For example, you will pay a 10% higher premium for Part A (hospital insurance) for four years and a 10% higher monthly premium for part B (medical insurance) for every 12-month period you delay.  This penalty is cumulative and last for life.  Fort example, if you wait 5 years, until you are 70 to enroll in part B, you will pay a 50% higher monthly premium.   The penalties for part D (prescription drug coverage) starts after 65 days after your 65th birthday and is 1% of the national base premium times the number of uncovered months.  This penalty also will last for life.

Skye Edwards · Answer

This is a loaded question. Many people work past the age of 65 and if they have credible insurance, they won't be penalized. 

However, there are many things to consider when reviewing Medicare enrollment. It is always advisable to speak with a licensed agent before making the decision to opt-in or opt-out.

When discussing Medicare enrollment with me, I walk you through things like:
Late Enrollment Penalty -- what is considered credible coverage? 
Tax implications of enrolling in Medicare Part A and making HSA contributions. 
Employer sponsored insurance vs. Medicare 
Medicare Advantage vs. Medicare Supplement.

Carl-Daniel Cole · Answer

Yes, you may be penalized if you don’t enroll in Medicare when you turn 65 and don’t have other creditable coverage. The penalties can apply to Part B and Part D and may increase the longer you wait. It’s important to enroll on time to avoid these added costs.

Joley Hanson · Answer

Depending on credible insurance coverage, there is not a penalty for not taking Medicare when eligible. However, there are requirements when eligible. Make sure to talk with a licensed Medicare agent to help determine the options.

Christine Itami · Answer

There are determining factors at play which determine whether or not a penalty will be charged.  
If you are on a Group Plan that is Creditable Coverage according to Medicare, you will not be penalized if you delay activating your Medicare Part B.  Part A usually defaults whenever you enroll in Part B to the 1st of the month you turned 65.  

If you don't have Creditable coverage according to Medicare, and delay enrolling in Medicare, you will be charged a penalty which is charged based on the amount of time you delayed your enrollment.  This penalty stays with you for your entire life you are on Medicare.  You are also limited to the General Enrollment Period (GEP), 1/1-3/31 of every year where you can enroll, your coverage will begin the first of the month following your enrollment.

Rebecca Loucks · Answer

Yes unless you have other creditable coverage.  From the 2026 Medicare & You book:
 Important! You may pay more if you don’t sign up for Medicare when you’re 
first eligible. Go to pages 22–23 (Part A and Part B) and page 83 (Part D) for 
more on late enrollment penalties.

Abbie Choate · Answer

If you don’t sign up for Medicare at 65 and don’t have other creditable coverage, you could get stuck with lifelong penalties. Part B costs go up 10% for every year you wait, and Part D has a penalty too if you go without drug coverage. But if you have insurance through work, you might be able to delay without a penalty. It’s best to check ahead of time so you don’t end up paying more later!

Deborah Bates · Answer

You can be penalized if you don't have a creditable coverage plan.  Most employer group healthcare plans are creditable.  So there is no need worry if you work past 65.

Jackson Cassibry · Answer

If you don't have credible prescription drug coverage Whren you turn 65, you will be responsible for a penalty every month you don't have that credible coverage

Wendy Zapata · Answer

Good morning- this depends upon if you are employed and if your employer provides your medical insurance and will they require you to enroll in MediCare or not. If you are self insured then most likely if you do not enroll during your initial enrollment period you can be penalized on part b and part d. I hope this is helpful.

Kenneth Richter · Answer

Many Medicare Advantage plans have an emphasis on preventive care.
Diabetic management is part of this expanded coverage over traditional Medicare Part B.

Those with type 2 diabetes may be eligible for a special needs plan called C-SNAP 

This policy will provide additional coverage to focus on diabetic management.

Jill Fasbender · Answer

If you do not enroll in Medicare when you turn 65 you could incur a penalty. However, there are exceptions to that rule. For example, if you continue to work past 65 and continue on your employer's plan, that has credible coverage (it's as good or better than standard Medicare Part D), then you can delay your Medicare enrollment.

Edward Allen · Answer

That all depends on your individual situation and whether or not you are enrolled in a credible health insurance plan in which you would not be required to enroll in Medicare Part B. or involuntary or voluntary disenrolled from a health plan at the time you turn 65 you have a 8 month period to enroll into Medicare Part without having a Part B late enrollment penalty accessed

Audrey Crosby · Answer

It depends on whether or not you are retiring at 65. Or when your Medicare Part A & B is/will be effective.

Cody Franklin · Answer

The short answer is: IF you are enrolled in employer group health insurance (not COBRA) when you turn 65, you are not required to enroll in Medicare. When it comes to penalties, you don't want to step on a landmine so it is important to consult with a licensed insurance agent a few months before your 65th birthday to see if you need to do anything.