Stay covered on the road to 65

Clara Whitfield

The years just before and after 65 come with deadlines. Some are once in a lifetime. Miss one, and you can face a gap in coverage or a penalty that lasts for years.

Go Covered lays out those windows and rules in plain words. Every date and dollar figure shows its year and links to the official page, so you can read the rule yourself.

Two paths

Before 65

Leaving a job, retiring early, or watching COBRA run out? Read about the Marketplace, COBRA, a spouse's job plan and retiree coverage.

Read the before-65 section of the window guide

Moving to Medicare

Turning 65 soon, or still working at 65? Read about your first signup window, Part B timing while you work, and the one-time window for Medigap.

Read the moving-to-Medicare sections of the window guide

See your own months

Pick the month you turn 65, and our Signup Window Dates tool lists the seven months of your first signup window.

Plain facts about Go Covered

This site explains coverage choices. It isn't an insurer. It doesn't rank or recommend plans, and it has no sign-up forms. It has no tie to Medicare, CMS or any government agency, and none of them back it.

For help with your own choice, go to Medicare.gov, HealthCare.gov, or your state's SHIP counseling program.

Go Covered's pages are put out by Go Covered Insurance.