05/08/2026
📋 The Part B late enrollment penalty does not apply if you have group health coverage based on your or your spouse's current employment. After that coverage ends, you have an 8-month Special Enrollment Period to sign up without penalty.
The average skilled nursing stay is about 28 days, well under the 100-day Part A maximum. Days 21 through 100 still cost $217 per day, which is $17,360 if you use all 80 of those days. After day 100, Medicare pays nothing.
Enrolling in Part A while contributing to an HSA stops your eligibility for new HSA contributions. Part A enrollment can be retroactive up to six months when you sign up after age 65, which can turn those six months of HSA contributions into excess contributions subject to a 6% excise tax.
Part B has no out-of-pocket maximum. A $100,000 outpatient bill means $20,000 of cost-sharing on Original Medicare without a Medigap supplement.
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