You can enroll in Medicare during your initial enrollment period, which begins three months before your 65th birthday and ends three months after your birthday month. If you are under age 65, you may be able to enroll if you have a qualifying event. It’s important that you know that there may be penalties if you do not enroll. If you decide to delay enrollment, you may have to pay a lifetime late enrollment penalty.
If you have a qualifying event, you may qualify for special enrollment. You can use special enrollment to enroll in Medicare or make changes to your existing Medicare coverage. Qualifying events can include:
If you did not enroll during these other periods, you can enroll in Part A and/or Part B from Jan. 1 to March 31.
Last updated Nov. 6, 2020