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Wednesday, November 11, 2026Nov 11

Rules for enrolling in Medicare when self-employed are confusing

Dear Toni,

I am self-employed with an individual health plan and confused about enrolling in Medicare when I turn 65 in July. I cannot find the answer to my situation in the Medicare & You handbook. A business associate who is also self-employed delayed his Part B because he is under his wife’s company benefits. He is sure that I can delay enrolling in Medicare since I am covered by a health insurance plan.

Can you please explain the difference, if there is one, between my situation and my friend’s? I do not want to make a Medicare mistake. Thanks, Toni.

– Greg from Corpus Christi, Texas

Hi Greg,