Medicare Enrollment Mistake Could Be Costly

Delaying Medicare past 65 can trigger lifelong Part B surcharges, depending on your coverage and timing.
Your initial Medicare enrollment window lasts 7 months, starting 3 months before turning 65.
Missing that window can raise Part B premiums by 10% for each 12 months eligible but unenrolled.
Many enroll late because they misunderstand how employer coverage affects eligibility for a special enrollment period.
If your plan doesn’t qualify, paying above the standard ~$203 Part B premium could strain retirement finances.
I’m seeing many people delay Medicare past 65 without realizing the long-term cost. The key is understanding enrollment windows and whether your current health coverage truly protects you from penalties.