Group 1 - Many individuals look forward to turning 65 to enroll in Medicare, but some choose to delay their enrollment, which can lead to increased costs over time [1] - Most enrollees do not pay a premium for Medicare Part A, while Part B requires a monthly premium that can increase annually [4] - The initial enrollment window for Medicare is seven months long, starting three months before turning 65 and ending three months after [5] Group 2 - Delaying enrollment in Medicare can result in a 10% increase in monthly Part B premiums for each 12-month period of eligibility without enrollment, potentially leading to significant costs during retirement [6] - A common reason for late enrollment is a lack of understanding regarding employer coverage and its implications for Medicare enrollment [7] - Individuals with qualifying group health plans may qualify for a special enrollment period after their employment ends, but rules differ for small employers or individual health plans [8][9]