If you are receiving Social Security, Medicare Part A & Part B, you will automatically start the first day of your birth month. If you do not need Medicare at age 65, you can disenroll.

You will enroll in Medicare Part A & Part B beginning 90 days from your 65th birthday month. Medicare will start the 1st day of your birthday month.

Contact your employer benefits manager to find out how your coverage and Medicare work together. The size of your employer will also determine if Medicare should be taken now or if it can be delayed.​

Enroll in Medicare Part A & Part B starting 60-90 days before you would like Medicare to begin. Documentation from your employer, showing you had group health plan coverage since turning 65 to prevent from being penalized for enrolling when you were first eligible. Medicare will start the 1st day of the month after your employer coverage ends.

Once you have Medicare you and your employer are not eligible to make contributions to your HSA. When you leave your employer coverage and apply for Medicare Part A and Part B, your Part A effective date will be retroactively effective six months before the month you apply for Medicare yet no earlier than the month you turn 65. To avoid a tax penalty, you should make your last HSA contribution 6 months before the month you apply for Medicare.

You will be automatically enrolled in Medicare Part A and Part B after the 24th month of receiving disability benefits.