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Turning 65

Browse our articles about turning 65

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.

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Medicare and COBRA: How They Work Together

Understand how COBRA and Medicare interact, when COBRA is primary or secondary, and why choosing COBRA over Medicare at 65 can lead to costly penalties.

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Flexible Spending Accounts and Medicare: A Practical Guide

Learn how Flexible Spending Accounts work alongside Medicare enrollment and explore your options for covering healthcare costs.

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Medicare and Social Security: How They Work Together

Understand how Medicare and Social Security interact, from premium deductions to the hold harmless provision and strategies for coordinating benefits at 65.

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Welcome to Medicare: Your Initial Preventive Physical Exam

Learn about the Welcome to Medicare visit, a one-time preventive physical exam available in your first 12 months of Part B coverage, and why you should not skip it.

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Medicare When You're Still Working at 65

Find out how to handle Medicare enrollment if you're still employed at 65, including employer coverage coordination, HSA rules, and avoiding late penalties.

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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.

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Medicare Enrollment Preparation Checklist

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

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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.

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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.