Can I Sign Up for Medicare if I’m Still Working?

One of the most common questions people ask us is:“Can I sign up for Medicare if I’m still working?”

The short answer: Yes, you can — but whether you should depends on your personal situation.

Here’s what you need to know:

1. Medicare Eligibility Doesn’t Depend on Employment

If you’re 65 or older (or qualify due to disability), you’re eligible for Medicare — whether you’re still punching the clock full-time, part-time, or even if you own your own business.

2. The Key Question: Employer Coverage vs. Medicare

• Large Employer (20+ employees): If you have health insurance through an employer with 20 or more workers, you usually don’t have to take Medicare right away. Your group plan is considered “creditable coverage.”

• Small Employer (<20 employees): Medicare becomes your primary insurance. If you delay enrollment, you could face penalties and gaps in coverage.

3. Part A is Often a No-Brainer

Most people get Part A (hospital insurance) for free because they paid into Medicare during their working years. Even if you’re still working, many sign up for Part A at 65 since it usually costs nothing.

4. Part B and D Require Careful Timing

• Part B (doctor/outpatient care): This comes with a monthly premium. If you already have strong employer coverage, you might delay enrolling to avoid paying extra — but only if your employer coverage is considered “creditable.”

• Part D (prescriptions): Same rule — if your employer drug coverage is creditable, you can safely delay. If not, signing up late could mean lifelong penalties.

5. Avoiding Mistakes and Penalties

This is where it gets tricky. Miss the right enrollment window, and you may face higher premiums for life. That’s why it’s so important to talk through your personal situation with someone who understands the rules.

What Mary and Alexis Say:

“We get this question almost daily. The answer is rarely a one-size-fits-all. What matters is your specific employer coverage, the size of your company, and your future retirement timeline.” – Mary Mitchem

“Our job is to make sure you don’t accidentally miss a deadline or pay for coverage you don’t need. We walk through your options so you can keep working with peace of mind.” – Alexis Mitchem

Bottom Line

Yes, you can sign up for Medicare while working. The real question is whether you should — and that depends on your coverage, your employer, and your future plans.

👉 That’s where having a trusted guide makes all the difference. At M3 Insurance, Mary and Alexis help you map out the right timing so you can work confidently and retire seamlessly.

✅ Pro Tip: Don’t wait until the last minute. If you’re approaching 65 and still working, schedule a free Medicare review to get personalized answers.