No. If you are actively working and covered by an employer group health plan, you may choose to delay Medicare enrollment and keep your current coverage. 

No. If you choose to delay Medicare, no action is required at this time.

However, Medicare Part A is typically premium-free and may help offset hospital costs, so some individuals choose to enroll in Part A while keeping their employer coverage. 

To avoid penalties: 

• Maintain continuous health coverage through your employer or Medicare.
• Ensure your employer plan provides creditable prescription drug coverage.

Medicare costs vary depending on your income and the parts of Medicare you choose. Higher-income individuals may pay increased premiums for Part B and Part D. 

Visit: What does Medicare cost? | Medicare.gov 

In some cases—depending on the size of your employer—your group plan may act as secondary coverage. However, this is not typical for most working individuals, so it’s important to review your specific plan details.

Key factor: Employer size

• 20+ employees: You can often delay Medicare Part B without penalty
• Fewer than 20 employees: Medicare is usually primary—enrollment is important

If you transition to Medicare, your dependents will need to secure other coverage, such as:

• COBRA
• An individual plan
• Coverage through their own employer (if eligible)

This may be an important factor when deciding whether to remain on your employer plan.

Because Medicare Part A may be retroactive for up to 6 months, you should stop HSA contributions at least 6 months before applying for Medicare if you delayed enrollment past age 65.

• Initial Enrollment Period (IEP):
  Begins 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after.
• Special Enrollment Period (SEP):
  Available after age 65 when your employer coverage ends.

You can enroll online through Social Security at my Social Security | ssa.gov 

A Medicare Supplement plan helps protect you from out-of-pocket costs, including the 20% coinsurance under Medicare Part B, which has no cap. 

Even if you don’t currently need prescriptions:

• Enrolling helps you avoid a lifetime late enrollment penalty
• Provides coverage if your needs change unexpectedly

It’s generally better to have coverage and not need it than to need it and not have it.

For those with Original Medicare, a Supplement (Medigap) plan, and a Part D drug plan, there are two main opportunities each year to make changes:

• Medigap (Supplement) Plan Changes
  In California, you can change your Supplement plan each year starting on your birthday and for 60 days after, without medical underwriting (as long as you stay within equal or lesser coverage).
• Part D Prescription Drug Plan Changes
  You can make changes each year from October 15 through December 7, with your new plan starting January 1 of the following year.