Whether or not you should delay Medicare when turning 65 depends on a number of factors, including your health, your current health insurance coverage, and your financial situation.
If you are in good health and have other health insurance coverage that you are happy with, you may want to delay Medicare. This is because you will not have to pay the Part B premium if you delay Medicare. However, you will also not have the coverage that Medicare provides if you delay enrollment.
If you are not in good health or do not have other health insurance coverage, you may want to enroll in Medicare as soon as you are eligible. This is because Medicare will provide you with coverage for the care you need.
If you are concerned about the cost of Medicare, you may want to consider enrolling in a Medicare Advantage plan. Medicare Advantage plans are private health insurance plans that are designed to provide all the coverage of Original Medicare, plus additional benefits. Medicare Advantage plans have monthly premiums and may also have copays and deductibles. However, they may be a lower-cost option than Original Medicare if you have a high Part B premium.
You should talk to a Medicare counselor or your local Social Security office to discuss your options and decide if delaying Medicare is right for you.