Avoid Medicare lifetime penalties
Missing Medicare Part B enrollment at 65 can trigger a permanent monthly penalty that lasts for life.
Part B signup window runs 3 mo before to 3 mo after your 65th birthday.
2026 Part B premium: $202.90/mo
Late penalty: +10% per 12 mo delayed
3 yr late example: +30%
A 3 yr delay could raise $202.90 to $263.77 monthly, potentially forcing bigger withdrawals from savings.
You can generally delay Part B without penalty if covered by a spouse’s or your employer plan with >20 employees.
I’m seeing a common retirement planning pitfall: missing Medicare enrollment at 65. That oversight can permanently raise what you pay each month, so timing your signup and understanding exceptions matters.
Supplemental Insurance: Safety Net While Growing
Supplemental insurance adds protection when life milestones happen on different timelines. At 26, many leave parents’ plans and face insurance choices for first time. Major
April 19, 2026
