Initial Enrollment

Browse our articles about initial enrollment

March 18, 2026

Medicare for Early Retirees: Bridging the Gap Before 65

Retiring before 65? Learn your health coverage options — COBRA, ACA Marketplace, spouse plans, HSAs — and how to avoid costly Medicare enrollment mistakes.

Medicare for Immigrants and Non-Citizens

Learn how Medicare eligibility works for immigrants and non-citizens, including rules for permanent residents, the five-year waiting period, and your options.

Medicare for the Self-Employed

Discover how Medicare works when you are self-employed, including premium costs, IRMAA considerations, tax deductions, and switching from individual coverage.

Medicare Part D Sign-Up: Enrollment Windows and Key Deadlines

Find out when and how to sign up for Medicare Part D, including enrollment windows and tips for avoiding late penalties.

Medicare Coverage for Non-Working Spouses

Find out how non-working spouses can become eligible for Medicare using their partner's work history, expected premiums, and options for divorced couples.

Who Qualifies for Medicare? Eligibility Requirements Explained

Learn who is eligible for Medicare, including age requirements, disability qualifications, and special eligibility circumstances.

Turning 65: A Month-by-Month Medicare Enrollment Timeline

Follow this month-by-month timeline to prepare for Medicare enrollment before your 65th birthday, covering employer coverage, plan choices, and deadlines.

Medicare Penalties for Late Enrollment

Learn about the late enrollment penalties for Medicare Part A, Part B, and Part D, and find out how to prevent them.

Medicare Enrollment Preparation Checklist

A comprehensive checklist to get you ready for Medicare enrollment, covering document preparation, plan comparisons, and cost planning.

How to Enroll in Medicare: Enrollment Periods and Deadlines

Find out when and how to sign up for Medicare, including enrollment periods, methods, and tips for avoiding late penalties.

This content is for educational purposes only and does not constitute a recommendation of any specific Medicare plan. Benefits, costs, and availability vary by plan and location. For complete information about your Medicare options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048, available 24 hours a day, 7 days a week.