For individuals who are still working at the time they turn 65 and did not sign up for Part B or Part A (if you had to buy it) when first eligible, they may sign up during a Special Enrollment Period. If at the time you turned 65 you were covered under a group health plan, you can sign up for Parts A and B at any time you’re still covered by the employer’s group plan. You may also sign up on the month following the termination of your employment, or the termination of your group coverage, whichever is first.  You will have 8 months to enroll without a penalty.


People with End Stage Renal Disease are not subject to a penalty regardless of when they enroll.


Individuals covered under the Consolidated Omnibus Budget Reconciliation Act (COBRA), a retiree health plan, or an individual plan are not considered to have coverage under existing employment. In this case, when that coverage terminates, you are not eligible for a Special Enrollment Period and may have to pay a penalty if you don’t enroll when you first become eligible.



If you failed to sign up for Part A and/or Part B during your Initial Enrollment Period, and you do not qualify for a Special Enrollment Period, you may enroll between January 1st. through March 31st. each year. This time period is known as the General Enrollment Period.

Special Enrollment Period (SEP)