Скачать или смотреть Worst vs Best Time to Start Medicare

Starting Medicare at the wrong time can mean lifetime penalties or gaps in coverage. This video shows the exact timing rules for people who are still working, on a spouse’s plan, using COBRA, contributing to an HSA, or on the Marketplace—plus what to do if you missed your IEP.

Watch the full breakdown below.

Timestamps:

0:00 Worst vs best time to start Medicare
0:16 Why Medicare timing mistakes cause lifetime penalties
0:38 Turning 65 while still working
1:43 Waiting for Social Security can trigger penalties
1:57 Medicare Part B penalties explained
2:50 Medicare Part D penalties and why drug coverage matters
4:24 Staying on an employer plan after 65
5:05 Employer size rules (under vs over 20 employees)
6:39 Employer plans vs Medicare cost comparison
8:55 Retiring without coverage gaps
9:51 Why starting early avoids stress and mistakes
12:18 COBRA and Medicare: the biggest timing trap
13:39 COBRA vs Part B and Part D enrollment deadlines
15:22 HSA contributions and Medicare enrollment rules
17:02 Spouse coverage and Medicare timing
19:51 Marketplace (ACA) plans after age 65
21:47 Final advice: how to avoid penalties and enroll correctly

What You’ll Learn

• The best and worst times to start Medicare
• When you can delay Part A and Part B without penalties
• How Part B penalties are calculated and why they last for life
• How Part D penalties quietly add up over time
• Why COBRA is NOT creditable coverage for Medicare
• How HSA contributions affect Medicare enrollment timing
• What rules apply when covered under a spouse’s plan
• Why ACA/Marketplace plans don’t coordinate with Medicare
• What to do if you missed your Initial Enrollment Period (IEP)

Avoid Costly Medicare Enrollment Mistakes

Starting Medicare at the wrong time can cost you thousands of dollars over your lifetime.

Penalties often happen because of bad advice, misunderstood rules, or waiting for Social Security instead of Medicare. Once penalties start, they usually never go away.

Before turning 65, retiring, or dropping employer coverage, make sure you fully understand how Medicare timing rules apply to your situation.

Need Personalized Help?

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https://www.medicarehub.org/

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