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If a person has qualifying employer-based health insurance, they may delay enrolling in Medicare at age 65 years. There are several factors to consider.
For example, if you're still working at 65, you could opt to stay on your employer’s (or your spouse’s employer’s) health insurance past age 65, as Saiff did. But you’ll need proof that ...
Former federal employees can keep their federal health insurance after 65 for as long as they like if they had that coverage for at least the last five years of their career and were eligible for ...
The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) is a law passed by the U.S. Congress on a reconciliation basis and signed by President Ronald Reagan that, among other things, mandates an insurance program which gives some employees the ability to continue health insurance coverage after leaving employment.
Costs for employer-paid health insurance are rising rapidly: between 2001 and 2007, premiums for family coverage have increased 78%, while wages have risen 19% and inflation has risen 17%, according to a 2007 study by the Kaiser Family Foundation. [74] Employer costs have risen noticeably per hour worked, and vary significantly.
For large firms with 200 or more workers, in 2000, 99% of employers offered health benefits; in 2007, that number stayed the same. On average, considering firms of all numbers of employees, in 2000, 69% offered health insurance, and that number has fallen nearly every year since, to 2007, when 60% of employers offered health insurance. [52]
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