Medicare
Turning 65 in 2027: when to enroll in Medicare
Your Initial Enrollment Period starts three months before the month you turn 65, includes your birthday month, and continues three months after. Signing up in the first three months means coverage can start the month you turn 65.
The seven months
- Three months before your birthday month.
- The month you turn 65.
- Three months after.
- Enrolling before your birthday month generally lets coverage start the first day of your birthday month.
Why not to wait
Missing the window can mean a late penalty on Part B for as long as you have it, unless you have coverage from current work that lets you delay. If you are still working, ask how your employer plan works with Medicare first.
Have this ready when you call
- Your date of birth
- Whether you or a spouse still work and the employer's size
- Your current coverage
Common questions
Do I need to sign up if I get Social Security?
If you already receive Social Security retirement benefits, you are generally enrolled in Parts A and B automatically at 65. If not, you sign up yourself.
What if my birthday is on the first of the month?
Medicare counts it as the month before, so your window shifts by one month. Ask to confirm your dates.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.