How long is my Special Enrollment Period after losing employer coverage?

When you are covered by an employer health plan based on your own or a spouse's current employment, you can delay Medicare Part B without penalty. But once that coverage ends, a clock starts. You have 8 months from the date that employer coverage ends to enroll in Part B without facing a late enrollment penalty.A few things worth knowing about this window. First, it starts when the employment or the coverage ends, whichever comes first. Second, do not wait until the last week of that 8-month window if you want continuous coverage. Medicare Part B coverage after a Special Enrollment Period typically starts the first of the month after you apply. Waiting too long can create a gap.COBRA and retiree health coverage do not count as employer coverage for this purpose. If you lose your job-based plan and switch to COBRA, the 8-month clock is already running. COBRA does not pause or reset it.If you miss the 8-month window, you may have to wait for the General Enrollment Period, which runs January through March each year, with coverage starting July 1. You could also face a permanent late enrollment penalty added to your Part B premium. Avoiding that penalty is one of the best reasons to act quickly after losing employer coverage.Always confirm your specific situation with Social Security or a Medicare counselor, since enrollment rules can be complex.

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