What it is: A Special Enrollment Period that lets you sign up for Part B after 65 if you delayed because you had current employer health coverage (yours or a spouse’s).

Who it’s for: People who stayed on employer group coverage and postponed Part B.

When it happens: Typically an 8-month window after you stop working or lose that employer coverage (whichever happens first).

What you can do:

• Enroll in Part B without waiting for the General Enrollment Period.

• Avoid late penalties if you meet the rules.

Big watch-out: COBRA and retiree coverage can create surprises. In many cases, the 8-month clock starts when employment or employer coverage ends—even if COBRA continues. If you’re not sure your coverage counts as “current employer” coverage, verify before delaying Part B.