When can I enroll in Medicare?
Most people first become eligible during their Initial Enrollment Period — a 7-month window that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after. If you miss it, you may have to wait for the General Enrollment Period (January 1 – March 31).
What it means
- Initial Enrollment Period: 7 months around your 65th birthday.
- If you already receive Social Security or Railroad Retirement benefits, enrollment in Part A and Part B is automatic.
- If you have employer coverage past 65, you may qualify for a Special Enrollment Period when it ends.
Action steps
- Count back 3 months from your 65th birthday month to find when your window opens.
- Apply through ssa.gov or by calling Social Security.
- Keep proof of any employer coverage in case you delay Part B.
Risks & deadlines
- Missing your Initial Enrollment Period without creditable coverage can trigger lifetime late-enrollment penalties for Part B and Part D.
Source:
Last verified: 2026-07-18
- We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
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