02/03/2026
Still Working at 65? Here’s What You NEED to Know About Medicare
One of the biggest Medicare mistakes I see has nothing to do with choosing the “wrong plan”…
It starts with not understanding how Medicare works when you’re still working.
Here’s the truth 👇
Turning 65 does not automatically mean you should drop your employer insurance — but it also doesn’t mean you should ignore Medicare either.
What matters:
✔️ The size of your employer
✔️ Whether your work plan is considered creditable coverage
✔️ How prescriptions are covered
✔️ And how Medicare penalties work (yes, some last for life)
For example:
• Some people can delay parts of Medicare safely
• Others must enroll, even if they’re working, to avoid penalties
• And some people actually save money by pairing Medicare with work coverage
The problem?
Most people are told, “Just stay on your work plan,” without anyone explaining the fine print.
Medicare rules aren’t one-size-fits-all.
What worked for your coworker, neighbor, or cousin might cost you thousands over time.
If you’re turning 65 — or already there and still working — it’s worth understanding your options before making a decision you can’t undo.
