Spouse's 20+ Employer Coverage: Can You Delay Part B?
Yes, if your spouse is actively working for an employer with 20 or more employees and that plan covers you, you may be able to delay Part B without a penalty. When the active employment or coverage ends, your 8-month Special Enrollment Period starts. COBRA and retiree coverage do not extend that Part B window.
Frequently Asked Questions
- Does my spouse need to be 65?
- No. Your spouse can be any age. What matters is that they are actively employed at an employer with 20 or more employees and their plan covers you.
- What happens when my spouse retires?
- Your 8-month Special Enrollment Period begins when your spouse's active employment or active employer coverage ends, whichever comes first. Enroll in Part B during that window to avoid a penalty.
- Does COBRA after my spouse's retirement extend my Part B delay?
- No. COBRA is not active employer coverage for Medicare purposes. Your 8-month SEP starts when active employment ends — not when COBRA ends. Enroll in Part B before or during that 8-month window.