Do I need to sign up for Medicare Part B if I am working and have health insurance through an employer?

You may have health insurance coverage under a group health plan based on your or your spouse's current employment. In this case, you may not need to apply for Medicare Part B at age 65. You may qualify for a Special Enrollment Period and be able to delay signing up for Medicare Part B without a late enrollment penalty.

Coverage based on current employment does not include COBRA (Consolidated Omnibus Budget Reconciliation Act), Retiree health coverage VA (Veterans Affairs) health coverage, or Individual health coverage (such as through the Health Insurance Marketplace).

For more information read our How to Apply for Medicare Part B During Your Special Enrollment Period and Medicare publications.

Find out how your coverage works with Medicare at Medicare.gov or contact your employer or union benefits administrator.