06/25/2026
Did you know?
If you’re approaching age 65 and you’re currently on COBRA, it’s important to have a Medicare plan in place.
Many people assume COBRA will allow them to delay Medicare enrollment — but COBRA generally does not count as active employer coverage for delaying your Medicare Part B enrollment.
If you enroll in Medicare late because you stayed on COBRA, you could face:
✅ A lifetime Part B late enrollment penalty
✅ A gap in medical coverage
✅ Limited enrollment options depending on your situation
Planning ahead before turning 65 can help avoid costly mistakes.
If you or someone you know is approaching Medicare eligibility while on COBRA, make sure you understand your options before making a decision. I can help!