TURNING 65? HERE'S WHAT TO KNOW ABOUT MEDICARE
This informative Kiplinger article, Turning 65 in 2026? Here Is Exactly How to Sign Up for Medicare, walks through what people turning 65 in 2026 need to know about enrolling in Medicare, including key deadlines, enrollment methods, and coverage choices.
Getting these steps right helps avoid gaps in health coverage and lifetime penalties.
UNDERSTAND YOUR ENROLLMENT WINDOW
Most people qualify for Medicare during a seven-month Initial Enrollment Period (IEP) that includes the three months before, the month of, and the three months after their 65th birthday. Failing to enroll during this period without qualifying for a Special Enrollment Period (SEP) can lead to higher premiums and delayed coverage.
AUTOMATIC VS. SELF-ENROLLMENT
If you’re already receiving Social Security benefits at least four months before turning 65, you’ll typically be automatically enrolled in Medicare Parts A and B and receive your card in the mail. Those who are not yet on Social Security must sign up themselves, whether online, by phone, or at a local Social Security office to avoid gaps.
CONSIDER ADDITIONAL COVERAGE
Original Medicare doesn’t include prescription drug coverage or supplemental protection. After enrolling, many choose to add a Part D drug plan and/or Medicare Supplement "Medigap" policy to help manage costs and avoid late-enrollment penalties.
ENROLLMENT PERIOD BEYOND THE IEP
If you miss your IEP but qualify for a Special Enrollment Period (e.g., covered by employer insurance), you can still enroll without penalties. Otherwise, the General Enrollment Period (Jan. 1–March 31) is your next chance, though coverage won’t start until July and penalties may apply.
YOUR FINANCIAL SERVICES PROFESSIONAL CAN HELP
Medicare choices can feel overwhelming, especially with multiple enrollment periods, coverage options, and potential penalties to consider. A financial services professional can help you understand how Medicare fits into your broader retirement strategy, whether you’re turning 65 this year, still a few years away from eligibility, or already enrolled and reviewing your coverage.
By looking at healthcare costs alongside income, savings, and long-term goals, professional guidance can help bring clarity and confidence to your Medicare decisions.