As most of us know, an individual who is enrolled in Medicare Part A or B is ineligible to contribute to a health savings account. For that reason, insurance agents often advise their clients to postpone their enrollment in Medicare until they retire and drop their group health coverage.

With Medicare Part B, this is no big deal. When an individual delays enrollment in Part B because she’s covered by an employer’s group plan, she has an eight-month “special enrollment period” during which she can sign up after losing her group coverage.

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