Does COBRA count as creditable coverage for delaying Medicare?

No. COBRA is not considered active employer coverage, so relying on it to delay Medicare enrollment without penalty is a common and costly mistake.

Do I have to enroll in Medicare if both my spouse and I are retired?

Generally, yes. Without active employer coverage from either spouse, retiree benefits do not exempt you from Medicare enrollment requirements in the same way that active employer coverage does.

Can I keep my ACA plan after turning 65 instead of enrolling in Medicare?

Technically, yes, but you will lose ACA premium tax credits and cost-sharing reductions, which usually makes Medicare the more cost-effective choice.

Should I compare costs before deciding to delay Medicare while working?

Yes. Being eligible to delay Medicare does not mean it is automatically the cheaper option. Compare your employer plan's premiums, deductibles and out-of-pocket maximum with Medicare's costs.

Does enrolling in Medicare affect my HSA?

Yes. Enrolling in any part of Medicare, including Medicare Part A alone, ends your eligibility to contribute to a Health Savings Account.

Does Medicare cover my spouse if I enroll while still working?

No. Medicare covers individuals rather than families. Your spouse and other dependents will need separate coverage if you drop your employer-sponsored health plan.

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