{"id":3599,"date":"2026-07-28T15:00:28","date_gmt":"2026-07-28T15:00:28","guid":{"rendered":"https:\/\/qualityhometextiles.com\/seniorbenefits\/?page_id=3599"},"modified":"2026-07-31T20:24:14","modified_gmt":"2026-07-31T20:24:14","slug":"actively-working-past-age-65","status":"publish","type":"page","link":"https:\/\/qualityhometextiles.com\/seniorbenefits\/actively-working-past-age-65\/","title":{"rendered":"Actively Working Past Age 65"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3599\" class=\"elementor elementor-3599\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32b76b0 e-con-full hero-arc-section e-flex e-con e-parent\" data-id=\"32b76b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f6e8dd4 e-con-full hero-arc-section2 e-flex e-con e-child\" data-id=\"f6e8dd4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-656fcbf e-con-full e-flex e-con e-child\" data-id=\"656fcbf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-525795a elementor-widget elementor-widget-heading\" data-id=\"525795a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Actively Working <span class=\"color-overview\">Past Age 65<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efd8b30 elementor-widget elementor-widget-text-editor\" data-id=\"efd8b30\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span data-path-to-node=\"3,0\">People actively working at age 65 or older have a few things to consider when deciding if Medicare is right for them<\/span><span data-path-to-node=\"3,2\">. Our agents can help you figure this out and find what is best for your needs<\/span><span data-path-to-node=\"3,4\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4fc6dc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e4fc6dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Compare employer coverage and Medicare.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Determine your primary health insurance.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Avoid late enrollment tax penalties.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Understand HSA and Medicare rules.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-582b276 e-flex e-con-boxed e-con e-parent\" data-id=\"582b276\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3091d64 e-con-full new-container-box e-flex elementor-invisible e-con e-child\" data-id=\"3091d64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a3812b1 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"a3812b1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-280f162 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"280f162\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-shield\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf the company has more than 20+ employees, the group health coverage is credible, and it would be considered primary insurance.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c853ed e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6c853ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bc6cfb elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1bc6cfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-Target-light\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf the company has fewer than 20 employees, the group health coverage would not be credible, and Medicare would need to be your primary.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6fd8b0d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6fd8b0d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:400,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83324a6 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"83324a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-holding-heart\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M275.3 250.5c7 7.4 18.4 7.4 25.5 0l108.9-114.2c31.6-33.2 29.8-88.2-5.6-118.8-30.8-26.7-76.7-21.9-104.9 7.7L288 36.9l-11.1-11.6C248.7-4.4 202.8-9.2 172 17.5c-35.3 30.6-37.2 85.6-5.6 118.8l108.9 114.2zm290 77.6c-11.8-10.7-30.2-10-42.6 0L430.3 402c-11.3 9.1-25.4 14-40 14H272c-8.8 0-16-7.2-16-16s7.2-16 16-16h78.3c15.9 0 30.7-10.9 33.3-26.6 3.3-20-12.1-37.4-31.6-37.4H192c-27 0-53.1 9.3-74.1 26.3L71.4 384H16c-8.8 0-16 7.2-16 16v96c0 8.8 7.2 16 16 16h356.8c14.5 0 28.6-4.9 40-14L564 377c15.2-12.1 16.4-35.3 1.3-48.9z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUse the L564 Medicare form when you retire. This form is necessary as proof that you had credible coverage while working over age 65.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3de67a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"d3de67a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:500,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8946a2 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"f8946a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-calendar-check\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tHealth Savings Accounts (HSA) and Medicare don\u2019t mix. You may incur a tax penalty if you were contributing to an HSA while on any part of Medicare. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68af21a e-flex e-con-boxed e-con e-parent\" data-id=\"68af21a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d80cbec e-con-full e-flex e-con e-child\" data-id=\"d80cbec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e86c215 e-con-full smart-sticky-box e-flex elementor-invisible e-con e-child\" data-id=\"e86c215\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be92dca elementor-widget elementor-widget-text-editor\" data-id=\"be92dca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>People actively working at age 65 or older have a few things to consider when deciding if Medicare is right for them. The alternative many people must consider is whether they have qualifying group health coverage that is cost efficient for their needs.<\/p><p>Employer insurance, if it\u2019s qualifying, may be the right choice depending on important factors such as premium costs and copayments\/cost-share. Our agents can help you figure this out and if your work coverage is better for you, that\u2019s what we will recommend.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5383464 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5383464\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c63c2b op1-op2 elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"2c63c2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect effect-shine\"><a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/cli.avif\" class=\"custom-image-link-wrapper\" data-fancybox=\"medicare-advantage\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"medicare-advantage\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/cli.avif\" class=\"custom-lightbox-img\" alt=\"\" \/><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e08eea7 e-flex e-con-boxed e-con e-parent\" data-id=\"e08eea7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-90c9925 e-con-full e-flex e-con e-child\" data-id=\"90c9925\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e64a67d e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e64a67d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22fa83b elementor-widget elementor-widget-heading\" data-id=\"22fa83b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Age 65 and Larger Companies <span class=\"color-overview\" style=\"color: #091B7F\">(20+ Employees) <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bbb61b answer-faq hide-shadow elementor-widget elementor-widget-custom_text_widget\" data-id=\"4bbb61b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper read-more-responsive-only\"><div class=\"custom-text-content collapsible collapsed\" id=\"custom-text-wrapper-4bbb61b\" style=\"overflow: hidden;\"><p>You have the right to remain on employer coverage as you turn age 65 if (1) your employer has 20+ employees and (2) you\u2019re still actively working. These large employer group insurance plans will be your primary insurance. Medicare, if activated, would be secondary. This remains true whether it\u2019s offered through your own employer or your spouses.<\/p><\/div><a href=\"#\" class=\"read-more-toggle read-more-btn\" data-widget-id=\"4bbb61b\">Read More<\/a><a href=\"#\" class=\"read-more-toggle read-less-btn\" data-widget-id=\"4bbb61b\" style=\"display:none;\">Read Less<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7aeb33 e-con-full e-flex e-con e-child\" data-id=\"f7aeb33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-8998a08 e-con-full e-flex e-con e-child\" data-id=\"8998a08\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0562d11 answer-faq hide-shadow elementor-widget elementor-widget-custom_text_widget\" data-id=\"0562d11\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper read-more-responsive-only\"><div class=\"custom-text-content collapsible collapsed\" id=\"custom-text-wrapper-0562d11\" style=\"overflow: hidden;\"><p>We recommend anyone considering staying on group coverage to activate their Part A of Medicare. Part A for most individuals has no cost if you have paid Medicare taxes for at least 10 years. Part A is hospital insurance, and both Part A and group coverage can coordinate to lower your inpatient hospital costs.<\/p><p>Part D is often delayed as well as long as your employer coverage offers Rx coverage.<\/p><p>No concrete steps must be taken to delay your Part D; you simply don\u2019t sign up for a plan. Which plan offers cheaper prescriptions is based on the prescription themselves. Most Part D plans do have a premium as well. Your insurance plan must cover as much as the standard Part D plan, or else it\u2019s not considered credible and a late enrollment penalty may apply. Some high-deductible group health coverage do not qualify as credible coverage for Part D prescription drugs.<\/p><\/div><a href=\"#\" class=\"read-more-toggle read-more-btn\" data-widget-id=\"0562d11\">Read More<\/a><a href=\"#\" class=\"read-more-toggle read-less-btn\" data-widget-id=\"0562d11\" style=\"display:none;\">Read Less<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a793c4 e-con-full e-flex e-con e-child\" data-id=\"3a793c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0525e8 smart-sticky-box op1-op2 custom-width-set-align elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"b0525e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect effect-shine\"><div class=\"image-inner-set\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/chd.avif\" class=\"custom-lightbox-img\" alt=\"\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b520aa0 answer-faq hide-shadow elementor-widget elementor-widget-custom_text_widget\" data-id=\"b520aa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper read-more-responsive-only\"><div class=\"custom-text-content collapsible collapsed\" id=\"custom-text-wrapper-b520aa0\" style=\"overflow: hidden;\"><p>Part B of Medicare costs money, which is what most people decide to defer if they remain on group coverage. The base premium for Part B in 2026 is $202.90\/mo. When deciding which coverage is best for you, research your policy to determine which has lower premiums, lower cost-share for services, lower prescription drug costs, and if you\u2019re married, how much spousal coverage will cost on top of Medicare.<\/p><p>The exception to deciding if Medicare is right for you is if you are contributing to an <a href=\"#hsa-and-medicare\">HSA<\/a>.<\/p><\/div><a href=\"#\" class=\"read-more-toggle read-more-btn\" data-widget-id=\"b520aa0\">Read More<\/a><a href=\"#\" class=\"read-more-toggle read-less-btn\" data-widget-id=\"b520aa0\" style=\"display:none;\">Read Less<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-344ac11 e-con-full e-flex e-con e-child\" data-id=\"344ac11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5320959 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"5320959\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de5193 elementor-widget elementor-widget-heading\" data-id=\"8de5193\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93cc046 answer-faq hide-shadow2 elementor-widget elementor-widget-custom_text_widget\" data-id=\"93cc046\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper\"><div class=\"custom-text-content\" id=\"custom-text-wrapper-93cc046\"><p>When it comes time to retire after you have turned 65, you must do a few things. First, your company may send you a credible coverage letter. This provides proof that you were on employer group health insurance. Keep this letter just in case!<\/p><p>Second, Medicare uses a form L564, or \u201cMedicare Request for Employment Information\u201d. This document also proves you have employer coverage. Most likely, your HR department has these on file. They will need to complete their portion and you will mail or fax a completed document to Medicare, either at time of enrollment or once they request more information from you. Sending such form will eliminate any penalties that Medicare is brewing, as long as your coverage was credible.<\/p><p>Starting on the last day of your employer group health coverage, you have 8 months\u00a0months to sign up for Medicare Parts A and B to avoid penalties. You also have 63 days to begin your Part D coverage. Supplemental coverage, such as Medicare Advantage and Medigap, have different enrollment periods as well once you start your Part B. However, this does not eliminate you from any previous gaps in coverage. Once you enroll, Medicare can only start as early as the 1<sup>st<\/sup>\u00a0day of the following month. With proper planning, we recommend you start this process early enough to begin your Medicare the day after or before your employer coverage ends.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc57889 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"cc57889\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f3b0eb elementor-widget elementor-widget-heading\" data-id=\"8f3b0eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Under 65 on Medicare with Employer Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-959237f answer-faq hide-shadow2 elementor-widget elementor-widget-custom_text_widget\" data-id=\"959237f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper\"><div class=\"custom-text-content\" id=\"custom-text-wrapper-959237f\"><p>If your employer has 100+ employees, your group coverage will remain primary and Medicare will become secondary. Signing up for Part A is usually a good idea and typically automatic if you\u2019re collecting disability. Part A is free for most people that have worked for at least 10 years it would coordinate with your employer coverage to provide lower inpatient hospital costs. Since enrollment is automatic for those that have been collecting disability for 24 months, you must stop Part A if you wish to defer enrollment. There are many ways to defer enrollment, but most often this is achieved by mailing back your Medicare card and following the instructions on your welcome to Medicare packet that you should be receiving prior to enrollment.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c7338f e-con-full e-flex e-con e-child\" data-id=\"4c7338f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2e7e2d2 e-con-full e-flex e-con e-child\" data-id=\"2e7e2d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-649a18f answer-faq hide-shadow elementor-widget elementor-widget-custom_text_widget\" data-id=\"649a18f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper read-more-responsive-only\"><div class=\"custom-text-content collapsible collapsed\" id=\"custom-text-wrapper-649a18f\" style=\"overflow: hidden;\"><p>Since Part B and D have premium costs, many people defer these parts if their employer insurance has credible coverage for medical expenses and prescription drugs.<\/p><p>The opposite is true if your employer has fewer than 100 employees. Medicare would then become your primary. As your primary, it\u2019s important to get both Part A and B for your hospital and medical insurance. If your employer offers credible prescription drug coverage, Part D may be deferred.<\/p><p>If you are contributing to an HSA through your employer coverage, do not enroll in Medicare immediately. Learn the rules behind HSA and Medicare further below.<\/p><\/div><a href=\"#\" class=\"read-more-toggle read-more-btn\" data-widget-id=\"649a18f\">Read More<\/a><a href=\"#\" class=\"read-more-toggle read-less-btn\" data-widget-id=\"649a18f\" style=\"display:none;\">Read Less<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a5cf7f e-con-full e-flex e-con e-child\" data-id=\"4a5cf7f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67e93a4 smart-sticky-box op1-op2 custom-width-set-align elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"67e93a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect effect-shine\"><a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/flow-chart.avif\" class=\"custom-image-link-wrapper\" data-fancybox=\"flow\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"flow\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/flow-chart.avif\" class=\"custom-lightbox-img\" alt=\"\" \/><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e5ca256 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e5ca256\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e07b06c elementor-widget elementor-widget-heading\" data-id=\"e07b06c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Age 65 and Smaller Companies <span class=\"color-overview\" style=\"color: #091B7F\">(Under 20 Employees) <\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c428570 answer-faq hide-shadow2 elementor-widget elementor-widget-custom_text_widget\" data-id=\"c428570\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper\"><div class=\"custom-text-content\" id=\"custom-text-wrapper-c428570\"><p>In this scenario, Medicare is not optional. An employer with fewer than 20 employees means Medicare would be your primary, while employer coverage is secondary. It\u2019s important to sign up for both Parts A and B to be fully covered. Part D, or prescription coverage, may be deferred only if your employer insurance has the same level of coverage or better. Prescription drug coverage that is not credible will subject you to lifelong late enrollment penalties.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-820afc2 e-con-full e-flex e-con e-child\" data-id=\"820afc2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-75429ae e-con-full e-flex e-con e-child\" data-id=\"75429ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d26e245 smart-sticky-box op1-op2 custom-width-set-align elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"d26e245\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect effect-shine\"><div class=\"image-inner-set\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/chd2.avif\" class=\"custom-lightbox-img\" alt=\"\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3da6541 e-con-full e-flex e-con e-child\" data-id=\"3da6541\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a4f0f3f answer-faq hide-shadow elementor-widget elementor-widget-custom_text_widget\" data-id=\"a4f0f3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper read-more-responsive-only\"><div class=\"custom-text-content collapsible collapsed\" id=\"custom-text-wrapper-a4f0f3f\" style=\"overflow: hidden;\"><p>Because Medicare will be primary, it may be in your best interest to consider supplemental coverage such as Medicare Advantage or Medigap. The first time you enroll into Part B of Medicare, you enter your \u201cguarantee issue rights\u201d for Medigap. This means you may purchase a policy with no health underwriting required. This is considered the Medigap open enrollment. This enrollment period only lasts for 6 months after your Part B has been started.<\/p><\/div><a href=\"#\" class=\"read-more-toggle read-more-btn\" data-widget-id=\"a4f0f3f\">Read More<\/a><a href=\"#\" class=\"read-more-toggle read-less-btn\" data-widget-id=\"a4f0f3f\" style=\"display:none;\">Read Less<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-93b7358 e-flex e-con-boxed e-con e-parent\" data-id=\"93b7358\" data-element_type=\"container\" data-e-type=\"container\" id=\"hsa-and-medicare\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1339581 e-con-full e-flex e-con e-child\" data-id=\"1339581\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-763d86a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"763d86a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1d9039 elementor-widget elementor-widget-heading\" data-id=\"d1d9039\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HSA and Medicare<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a852703 answer-faq hide-shadow2 elementor-widget elementor-widget-custom_text_widget\" data-id=\"a852703\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper\"><div class=\"custom-text-content\" id=\"custom-text-wrapper-a852703\"><p>The one exception to joining Medicare as you work past age 65 is whether your employer coverage is compatible with an HSA, or Health Savings Account. You may no longer contribute to an HSA if you enroll into any parts of Medicare, no matter whether your employer is large or small. Contributions from an employer are also not allowed.<\/p><p>Individuals working for an employer with fewer than 20 employees must enroll into Parts A and B of Medicare. Any HSA accrued up until then may be used for health services or to help pay for your Medicare premiums. A spouse that is also a part of your group health coverage may continue to contribute to the HSA if those contributions are not in your name.<\/p><p>Individuals working for a larger employer with more than 20 employees may decide to defer all parts of Medicare if they wish to continue to contribute to their HSA. Typically, if the employer coverage is not HSA compatible, we recommend joining Medicare Part A because of the potentially lower costs for inpatient hospital services. Those with an HSA have the same choice, but contributions to their HSA must cease if any part of Medicare is taken.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9b3d0c e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e9b3d0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:400,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27258df smart-sticky-box op1-op2 elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"27258df\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect effect-shine\"><a href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/hsam.avif\" class=\"custom-image-link-wrapper\" data-fancybox=\"hsa\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"hsa\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/hsam.avif\" class=\"custom-lightbox-img\" alt=\"\" \/><\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4363f75 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4363f75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2443f8 elementor-widget elementor-widget-heading\" data-id=\"d2443f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How it works<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ba050b answer-faq hide-shadow2 elementor-widget elementor-widget-custom_text_widget\" data-id=\"4ba050b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper\"><div class=\"custom-text-content\" id=\"custom-text-wrapper-4ba050b\"><p>Let\u2019s say you enroll into Medicare after you\u2019ve turned 65. Enrolling into Part A will be retroactive 6 months or to your 65th birth month, whichever is fewer months. This means HSA contributions must stop 6 months prior to enrollment, to avoid overlap. If your 65th birthday was fewer than 6 months ago, your earliest Medicare start date would have been the 1st of your birth month. Therefore, you may make contributions to an HSA until the 1st of your birth month.<\/p><p>For example, if you're age 68 and you enroll into Medicare in June, your earliest start date would normally be July 1<sup>st<\/sup>. Medicare will retroactive your start date 6-months, so your HSA contributions must stop by January 1<sup>st<\/sup>.<\/p><p>Using a similar example, now let\u2019s say your age 66 and your birthday was in March. If you enroll into Medicare for a July 1<sup>st <\/sup>effective date, Medicare will retroactive your effective date to the 1st of your birth month, which was when you became Medicare eligible. \u00a0You will want to end HSA contributions by March 1<sup>st<\/sup>.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-629e323 e-flex e-con-boxed e-con e-parent\" data-id=\"629e323\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b94c7bb e-con-full e-flex e-con e-child\" data-id=\"b94c7bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-79d26dc e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"79d26dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a324f7f elementor-widget elementor-widget-heading\" data-id=\"a324f7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Potential Consequences<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5557edc answer-faq hide-shadow elementor-widget elementor-widget-custom_text_widget\" data-id=\"5557edc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper read-more-responsive-only\"><div class=\"custom-text-content collapsible collapsed\" id=\"custom-text-wrapper-5557edc\" style=\"overflow: hidden;\"><p>Any contributions to an HSA after you\u2019ve started any part of Medicare may have negative tax implications. Consult your tax expert on what these contributions mean for you. An excise tax may be applied to all contributions made while enrolled in Medicare.<\/p><p>If you are contributing to an HSA and you also have started drawing your Social Security benefits, you may automatically be retroactively enrolled into Part A of Medicare. Do not attempt to cancel your Part A, as this will trigger your forfeiture of any benefits you have received already.<\/p><\/div><a href=\"#\" class=\"read-more-toggle read-more-btn\" data-widget-id=\"5557edc\">Read More<\/a><a href=\"#\" class=\"read-more-toggle read-less-btn\" data-widget-id=\"5557edc\" style=\"display:none;\">Read Less<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e80c0bb e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"e80c0bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-991ca2a smart-sticky-box op1-op2 custom-width-set-align elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"991ca2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect effect-shine\"><div class=\"image-inner-set\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/medicare-hsa.png\" class=\"custom-lightbox-img\" alt=\"\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6793f96 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6793f96\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddfb6f4 smart-sticky-box op1-op2 custom-width-set-align elementor-widget elementor-widget-custom_lightbox_image\" data-id=\"ddfb6f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_lightbox_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-lightbox-wrapper no-water-effect effect-shine\"><div class=\"image-inner-set\" style=\"display:block; position:relative;\"><img decoding=\"async\" src=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/wp-content\/uploads\/2026\/07\/cobra.avif\" class=\"custom-lightbox-img\" alt=\"\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1afc7fb e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"1afc7fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b027c07 elementor-widget elementor-widget-heading\" data-id=\"b027c07\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">COBRA Coverage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7839dba answer-faq hide-shadow elementor-widget elementor-widget-custom_text_widget\" data-id=\"7839dba\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"custom_text_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"custom-text-widget-wrapper read-more-responsive-only\"><div class=\"custom-text-content collapsible collapsed\" id=\"custom-text-wrapper-7839dba\" style=\"overflow: hidden;\"><p>If you have COBRA coverage prior to turning 65, you must enroll in Medicare when you become eligible. COBRA remains secondary insurance and Medicare will be primary. \u00a0You may cancel COBRA when your Medicare takes effect, but any dependents may continue their COBRA coverage for up to 3 years after Medicare enrollment.<\/p><p>Those that are past age 65, on employer coverage, and then retire may accept COBRA temporarily. Technically you have 8 months to activate your Part B of Medicare to avoid lifelong late enrollment penalties. Missing this enrollment window will also force you to wait until the next enrollment period to be able to sign up for Part B. We strongly recommend activating Part B sooner (ideally when you retire), as COBRA may not pay its fair share since it\u2019s secondary to Medicare.<\/p><p>\u00a0If you opt to continue COBRA coverage, you may delay Part D as long as the COBRA coverage has credible prescription coverage.<\/p><\/div><a href=\"#\" class=\"read-more-toggle read-more-btn\" data-widget-id=\"7839dba\">Read More<\/a><a href=\"#\" class=\"read-more-toggle read-less-btn\" data-widget-id=\"7839dba\" style=\"display:none;\">Read Less<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-165e5a0 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"165e5a0\" data-element_type=\"container\" data-e-type=\"container\" id=\"ancillary-products\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9c4d3d8 e-con-full e-flex e-con e-child\" data-id=\"9c4d3d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-353775e e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"353775e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:200,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-15eee5c elementor-widget elementor-widget-heading\" data-id=\"15eee5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2605f29 elementor-widget elementor-widget-n-accordion\" data-id=\"2605f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]},&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3980\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-3980\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can my employer kick me from my coverage once I turn 65? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3980\" class=\"elementor-element elementor-element-d94ec25 e-con-full e-flex e-con e-child\" data-id=\"d94ec25\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6ef05c answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"b6ef05c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>This would be illegal. The employer has no choice in the matter. You may decide to continue your employer coverage or you may decide to switch to Medicare. Ultimately, the choice is yours and yours alone. That would be a great time to compare premium pricing, coinsurance, etc.<\/p><p>Now if you are on retiree coverage, that changes the answer. Employers do not have to provide insurance to former employees after age 65. Benefits usually change once you enter retirement coverage. Because of this, Medicare becomes primary and retiree coverage will be secondary. If the retiree coverage is Medicare Advantage or Medigap, then you would need to enroll in Parts A and B during your Initial Enrollment Period.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3981\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3981\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I enroll into Part B while still working for a large employer? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3981\" class=\"elementor-element elementor-element-3f065db e-con-full e-flex e-con e-child\" data-id=\"3f065db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-013874d answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"013874d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes, this would not affect your coverage negatively. Medicare would just act as supplemental coverage to your employer health insurance, as Medicare would be secondary.<\/p><p>However, you would be paying double premiums. One for Part B and one from your current insurance. Also, activating your Part B brings a 6-month special enrollment period for Medigap that you may squander. You have guaranteed issue rights to get a policy with no health underwriting. You may not have a Medigap policy and large employer coverage at the same time because Medigap can only pay if Medicare is primary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3982\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3982\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can my spouse continue contributing to our HSA if she\u2019s not on Medicare? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3982\" class=\"elementor-element elementor-element-b3fb649 e-con-full e-flex e-con e-child\" data-id=\"b3fb649\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c49d78c answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"c49d78c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If your spouse is covered under your employer\u2019s insurance, yes. The contributions must be in your spouse\u2019s name. You both may use the funds from the HSA for qualifying health expenses or Medicare premiums.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3983\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3983\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How do I decide if my employer coverage is better than Medicare? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3983\" class=\"elementor-element elementor-element-ea00b62 e-flex e-con-boxed e-con e-child\" data-id=\"ea00b62\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1725a05 answer-faq elementor-widget elementor-widget-text-editor\" data-id=\"1725a05\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ask your HR for coverage details and your summary of benefits. Compare premiums, coinsurance, deductibles, maximum out of pockets, prescription drug costs, whether you get dental\/vision\/hearing, what supplemental coverage would cost, and how much a separate insurance for a spouse would be.<\/p><p>All of these would be major factors when deciding which insurance to choose. Employer group health could be better for you, but often Medicare is cheaper. We can help you decide no matter which direction you go.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a00553 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"9a00553\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_mobile&quot;:&quot;none&quot;,&quot;animation_delay&quot;:300,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a0f2864 e-con-full smart-sticky-box e-flex e-con e-child\" data-id=\"a0f2864\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abccbae elementor-widget elementor-widget-heading\" data-id=\"abccbae\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We're Here to <span class=\"color-overview\">Help You!<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d760d3 elementor-widget elementor-widget-text-editor\" data-id=\"2d760d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Have questions or need personalized guidance? Fill out the form and one of our experts will get back to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f090011 extra-space-remove elementor-widget elementor-widget-jkit_contact_form_7\" data-id=\"f090011\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"jkit_contact_form_7.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-contact-form-7 jeg_module___6a88ce1a7aeae\" >\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2087-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"2087\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/seniorbenefits\/wp-json\/wp\/v2\/pages\/3599#wpcf7-f2087-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2087\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2087-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"sbc-quote-form\">\n\t<div class=\"form-row two-col\">\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>First Name *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"first-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name\" value=\"\" type=\"text\" name=\"first-name\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>Last Name *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"last-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name\" value=\"\" type=\"text\" name=\"last-name\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"form-row two-col\">\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>Phone Number *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"tel\" name=\"phone\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>Email Address *<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email Address\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"form-row\">\n\t\t<div class=\"form-group\">\n\t\t\t<p><label>How can we help you?<\/label><br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"textarea-301\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"How can we help you?\" name=\"textarea-301\"><\/textarea><\/span>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"form-submit\">\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Get in Touch\" \/>\n\t\t<\/p>\n\t<\/div>\n<\/div><input type='hidden' class='wpcf7-pum' value='{\"closepopup\":false,\"closedelay\":0,\"openpopup\":false,\"openpopup_id\":0}' \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Actively Working Past Age 65 People actively working at age 65 or older have a few things to consider when deciding if Medicare is right for them. Our agents can help you figure this out and find what is best for your needs. Compare employer coverage and Medicare. Determine your primary health insurance. Avoid late [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3599","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Actively Working Past Age 65 - Senior Benefits Center | Life, Health, and Wealth Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/qualityhometextiles.com\/seniorbenefits\/actively-working-past-age-65\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Actively Working Past Age 65 - Senior Benefits Center | Life, Health, and Wealth Insurance\" \/>\n<meta property=\"og:description\" content=\"Actively Working Past Age 65 People actively working at age 65 or older have a few things to consider when deciding if Medicare is right for them. 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