Yes, you can apply for Medicare after age 65, usually without penalties (IF) you have active health insurance from a job.

begin quote from AI Overview

 

Yes, you can apply for Medicare after age 65, usually without penalties if you have active health insurance from a job. 

Special Enrollment Period

You get a Special Enrollment Period (SEP) to sign up after 65 if specific rules apply:

You or your spouse are still working.
You are covered by a current employer group health plan (from a company with 20 or more employees).
You can sign up while working or within 8 months of the day you stop working or the employer health plan ends.
You can check details and timing through the
Social Security Administration.
 

General Enrollment Period

If you miss your initial window and do not qualify for a Special Enrollment Period, you can sign up during the General Enrollment Period:

It runs from January 1 to March 31 every year.
Your coverage starts the month after you sign up.

Late Enrollment Penalties

Delaying Medicare without qualifying group coverage can cost extra money:

Part B Penalty: You may pay a 10% higher premium for each 12-month period you delayed signing up. You usually pay this extra amount for as long as you have Part B.
Learn more about working past 65 and rules at the Official Medicare Guide. 

To help you figure out your next steps, tell me:

• Are you or your spouse still working?
• How many employees work at the company providing your health plan?

• 

  Social Security Administration (.gov)

  When to sign up for Medicare | SSA

  2. After 65 and you've been covered by an employer group health plan This is a "Special Enrollment Period," and there are no penal...
• 

  medicareresources.org

  Do I need to sign up for Medicare at 65 if I'm still working? | medicareresources.org

  Do I need to sign up for Medicare at 65 if I'm still working? Medicare eligibility begins at age 65, and signing up on time can he...

  
• 

  Medicare (.gov)

  When can I sign up for Medicare?

  Generally, you're first eligible to sign up for Part A and Part B starting 3 months before you turn 65 and ending 3 months after t...

Working past 65

Medicare (.gov)

https://www.medicare.gov › basics › medicare-basics

If you or your spouse are still working, you may be able to wait to sign up for Medicare without paying a late enrollment penalty.

People also ask

How much will Medicare cost me once I turn 65?

What happens if you don't go on Medicare at 65?

Can I retire at 62 and get Social Security and Medicare?

Can I have both Social Security and Medicare?

When to sign up for Medicare

Social Security Administration (.gov)

https://www.ssa.gov › medicare › plan › when-to-sign-up

Part A coverage begins up to 6 months before the month you apply if you are over 65. result in additional taxes.

​Still Working at 65? When Do You Sign Up for Medicare?

AARP

https://www.aarp.org › medicare › do-i-enroll-in-medic...

Apr 30, 2026 — You can delay enrolling in Medicare until the employment ends or the coverage stops, whichever occurs first.