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🚨 Turning 65 doesn’t automatically mean you need to enroll in ALL of Medicare. If you’re still working—or covered through a spouse’s current employer plan—you may be able to delay Medicare Part B without a penalty. But don’t assume your coverage qualifies. Employer size, the type of coverage you have, HSA contributions, and whether your drug coverage is creditable can all matter. And remember: COBRA and retiree coverage are NOT the same as active-employment coverage when it comes to delaying Pa
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