Employer Coverage

Browse our articles about employer coverage

March 18, 2026

Medicare for Early Retirees: Bridging the Gap Before 65

Retiring before 65? Learn your health coverage options — COBRA, ACA Marketplace, spouse plans, HSAs — and how to avoid costly Medicare enrollment mistakes.

Railroad Retirement and Medicare: A Full Guide for Railroad Employees

Discover how railroad employees become eligible for Medicare through the Railroad Retirement Board and the benefits they can access.

Can You Combine Private Health Insurance and Medicare?

Discover how private health insurance coordinates with Medicare, including employer plans, Medigap policies, and Medicare Advantage.

Medicare and COBRA: How They Work Together

Understand how COBRA and Medicare interact, when COBRA is primary or secondary, and why choosing COBRA over Medicare at 65 can lead to costly penalties.

Medicare and Employer Coverage: Coordination of Benefits

Understand how Medicare coordinates with employer health insurance, including primary vs secondary payer rules, claims processing, and retiree coverage.

Flexible Spending Accounts and Medicare: A Practical Guide

Learn how Flexible Spending Accounts work alongside Medicare enrollment and explore your options for covering healthcare costs.

A Guide to Canceling Medicare: Dropping Parts A and B

Understand how to disenroll from Medicare Parts A and B, what happens when you cancel, and when dropping coverage could be the right choice.

Medicare When You're Still Working at 65

Find out how to handle Medicare enrollment if you're still employed at 65, including employer coverage coordination, HSA rules, and avoiding late penalties.

Turning 65: A Month-by-Month Medicare Enrollment Timeline

Follow this month-by-month timeline to prepare for Medicare enrollment before your 65th birthday, covering employer coverage, plan choices, and deadlines.

Postponing Medicare Enrollment: Pitfalls to Watch For

Discover when it is safe to postpone Medicare enrollment and when waiting could lead to penalties, coverage gaps, or surprise expenses.

Medicare Penalties for Late Enrollment

Learn about the late enrollment penalties for Medicare Part A, Part B, and Part D, and find out how to prevent them.

This content is for educational purposes only and does not constitute a recommendation of any specific Medicare plan. Benefits, costs, and availability vary by plan and location. For complete information about your Medicare options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048, available 24 hours a day, 7 days a week.