Can individuals still working enroll in Medicare?

Individuals who are still working can enroll in Medicare during the Special Enrollment Period (SEP). This period is specifically designed for people who are eligible for Medicare but who are also covered under a group health plan from their job or their spouse's job.

If these individuals decide to delay their Medicare enrollment while they continue to work, they do not face penalties as long as they enroll in Medicare when they retire or when their employment ends. It’s crucial to recognize the flexibility offered by the SEP, which allows for enrollment without the usual penalties that might be incurred if one fails to sign up during the Initial Enrollment Period.

The other options misrepresent the enrollment process for working individuals. For instance, individuals do not need to wait until retirement to enroll, nor is there a restriction that only self-employed individuals can enroll. Additionally, while it is possible to enroll during the General Enrollment Period, this is not the most advantageous time for those who are still working and have alternative health coverage.