Employer plans, COBRA, HSAs and retiree coverage at 65. Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.
- Employer coverage after 65: who pays first and when to sign up for Part B
The 20-employee rule, how primary and secondary payers work, and when delaying Part B is safe because of creditable job-based coverage.
- HSAs and Medicare: the six-month lookback that catches people out
Why enrolling in Medicare ends HSA contributions, how Part A's retroactive coverage creates tax penalties, and how to plan the last contribution.
- Retiree health plans and COBRA at 65: what changes when Medicare starts
Why retiree plans usually require Part B, how COBRA ends or shifts at Medicare eligibility, and the guaranteed-issue Medigap rights when group coverage ends.