# 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

1. Count back 3 months from your 65th birthday month to find when your window opens.
2. Apply through ssa.gov or by calling Social Security.
3. 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.

## Sources

- [When to sign up for Medicare (medicare.gov)](https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-coverage-start)

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Published: 2026-07-18T00:00:00+00:00
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Last verified: 2026-07-18
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