u/reallytheyrealltaken

I’ll probably work a couple of years past 65 and stay on my employer’s insurance. How do I calculate whether at that point whether it’s better to return to my employer’s Medicare creditable plan or to continue on my current non-creditable HDHP and take the part D penalty so I can still make HSA contributions?

I will turn 65 one week before the end of 2029. Can I take a chance that I will not need significant outpatient medical care that week and delay start of part B and D to Jan 1, 2030, so that my premiums after an IRMAA appeal, if granted, will be based on my 2030 income?