Should I enroll in Medicare if I still work full time past 65? Should You Stay on Employer Insurance or Switch to Medicare After 65? Confused about Medicare and employer insurance after age 65? In this video, Jae Oh, author of Maximize Your Medicare, explores the factors to consider when making this important decision; Should you stay on Employer Insurance or switch to Medicare after 65? Should I enroll in Medicare if I still work full time past 65?

Key considerations:

Cost: Employer plans may be cheaper, especially if they heavily subsidize premiums. However, Medicare Advantage plans can have lower out-of-pocket maximums.

Network: Employer plans often have network restrictions. Original Medicare offers a broader network, while Medicare Advantage plans have varying networks.

Individual needs: Do you have a regular doctor you want to keep? Consider their network participation in your options.

High-income earners: Medicare IRMAA surcharges may impact your decision.

Getting help: Consulting a qualified professional can be valuable due to the complexity of factors involved, including financial planning implications and the Affordable Care Act’s Advanced Premium Tax Credit.

Watch more free videos about Medicare on finStream TV at this link: https://www.finstream.tv/videos/medicare/ . Interested in Jae Oh’s book, Maximize Your Medicare? Find it here: https://maximizeyourmedicare.com/