Working Past 65? Here’s What Medicare REQUIRES You to Do

If you’re still working past age 65, figuring out Medicare can feel confusing — especially if you have employer coverage, an HSA, or you’re not sure if you need to sign up at all. In this video, I break down exactly what Medicare requires when you’re working past 65, what “creditable coverage” means, how HSA contributions are affected once you enroll in Medicare Part A, and how to avoid the late enrollment penalties that catch so many people off guard.

Whether you work for a large employer, a small business, or you’re self-employed, the rules are different depending on your situation — and getting it wrong can cost you. I’ll walk you through:

00:00 Intro
00:00 Do you need Medicare if you’re still working at 65?
00:00 Employer coverage vs. Medicare — which is primary?
00:00 HSA contributions and Medicare Part A
00:00 Creditable coverage explained
00:00 Late enrollment penalties and how to avoid them
00:00 What to do when you’re ready to retire

I’m not here to sell you anything — just to explain it in plain English so you can make the right call for your situation. Medicare rules vary based on your employer size and your state, so always double-check your specific situation.

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