Ask Terry Questions Medicare requirement while on group health

Medicare requirement while on group health

By Terry Savage on January 03, 2026 | Insurance & Annuities

When do I enroll in Medicare A, B, D if I’m covered under my spouse’s group health?

Thank you.

Terry Says

As long as you are fully covered, and the plan does not require the employee or spouse to sign up for Medicare, you don’t have to do so until just before his/her retirement.

In fact, if your spouse participates in a health savings account, you definitely don’t want to sign up for any part of Medicare since that makes you ineligible to contribute to a HSA!

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