It’s likely! Many people continue to work after reaching the age of Medicare Eligibility due to having health coverage through their employer insurance. If this describes your situation, follow these guidelines to avoid late enrollment Medicare penalties: Participate in your Medicare Initial Enrollment Period when you turn 65. You may want to consider enrolling in Part A during this time, as it’s premium free as long as you or your spouse worked and paid Medicare taxes for at least 10 years. Be proactive and enroll in Medicare yourself. Medicare doesn’t notify you about your IEP unless you currently receive Social Security or Railroad Retirement Board benefits. You may qualify for a Medicare Special Enrollment Period (SEP) which allows you to delay enrolling in Part B and Part D without incurring late enrollment penalties. You first need to receive confirmation of creditable coverage from your employer.