Switching from private to Medicare after retirement
I retired 12/25 at FRA, am collecting social security, and am currently on my husband’s employer health plan. I am enrolled in Medicare Part A only now because it was cheaper to move to husband’s plan - I pay about $280/month for my share of his health plan. He is planning to switch to part-time work with the same employer sometime in 2027, either April or November (has not decided yet). My cost share of his healthcare plan will be much more than I currently pay because the rates are higher for part-time employees, so at that time I’d like to switch to Medicare B with a supplemental plan. Can I do that without any problem or penalty?