If you are still working and covered by an employer's group health plan, you can wait to sign up without penalty until 8 months after the employment or coverage ends. 3. How to Apply
Medicare enrollment is handled by the , not the Medicare website directly. When can I sign up for Medicare?
Buying Medicare Part A involves determining if you qualify for premium-free coverage or if you must purchase it by paying a monthly premium. Most people receive Part A automatically at age 65 without a premium because they or their spouse paid Medicare taxes while working. 1. Determine Your Eligibility and Cost how to buy medicare part a
If you do not qualify for premium-free coverage, you can buy Part A. In 2026 , the monthly premium is either $311 or $565 , depending on your work history.
Before you "buy," verify if you are already entitled to premium-free coverage. If you are still working and covered by
If you buy Part A, you must also enroll in and pay for Medicare Part B . 2. When to Enroll
You can apply during several specific windows to avoid late enrollment penalties. When can I sign up for Medicare
A 7-month window starting 3 months before the month you turn 65, including your birth month, and ending 3 months after.