Should I Delay Medicare Part B? Know the Rules Before Deciding

You can safely delay Part B only if you have group health coverage through your own or a spouse's current employer with 20 or more employees. Without qualifying coverage, delaying creates a permanent penalty.

When This Applies

  • You are turning 65 or older and still working
  • You have employer-sponsored health insurance
  • You are deciding whether to enroll in Part B now or wait
  • Your spouse has employer coverage that covers you

Frequently Asked Questions

What if my employer has exactly 20 employees?
The 20-employee threshold includes employers with 20 or more employees in the current or prior year. At exactly 20, the employer plan generally pays primary.
Does COBRA count for delaying Part B?
No. COBRA is not active employer coverage. Medicare is primary over COBRA, and the time on COBRA counts toward your penalty.
What if I'm self-employed?
Self-employment coverage (individual market plans) does not qualify. You should enroll in Part B during your IEP.