Do I have to sign up for Medicare if I am still working?
Not always. If you or your spouse has active employer coverage from a large employer, you can often delay Part B without a cost impact — but you should confirm how your employer plan coordinates with Medicare first.
What to do next
Start from your own specifics rather than a rule of thumb; a short conversation usually tells you whether this needs a professional look.
Local context for Statewide Florida
The key distinction is active coverage versus retiree coverage. Coverage from a current employer with twenty or more employees generally allows you to delay Part B. Retiree coverage, COBRA, and coverage from a small employer usually do not, and delaying in those situations can create a gap and a cost impact. If you are self-employed or uninsured when you turn 65, enrolling on time matters more. Many people enroll in Part A even when they delay Part B, because Part A is usually premium-free and having it does no harm.
Florida Health Insurance Web provides Medicare Advantage, Medicare Supplement (Medigap), ACA Marketplace Plans, Final Expense Insurance, Small Group Health Insurance, Medicare Part D across Statewide Florida.
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Florida Health Insurance Web — Compare your plan options
Compare your plan options