What data and assumptions does it use?

Medicare.gov — "Working past 65" and "How Medicare works with other insurance" (coordination-of-benefits rules). CMS "Medicare & Other Health Benefits: Your Guide to Who Pays First". IRS Publication 969 (HSAs and Medicare enrollment).

Retirement calculator

Working Past 65: Delay Decision

Whether it's safe to delay Medicare while working past 65 turns on a small set of published rules: who pays primary (which hinges on employer size), the HSA six-month lookback, and the 8-month Special Enrollment Period after employment coverage ends. We apply those rules to your answers and return a verdict with the reasons.

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The method

How it works

01 Employer of 20 or more: the employer plan pays primary, so delaying Part B while covered is generally penalty-free — you get an 8-month Special Enrollment Period when employment coverage ends.

02 Employer of fewer than 20: Medicare pays PRIMARY at 65 even if you stay on the employer plan — without it the plan may pay almost nothing, so the verdict is to enroll now.

03 HSA contributions: enrolling in Medicare (even just Part A) ends HSA eligibility, and Part A can start retroactively — so contributions should stop about six months before it begins.

04 Retiring within a few months: delay buys little and the enrollment clock is about to start, so the verdict flags the delay as risky and points at the timeline instead.

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