COBRA keeps a group health plan for a limited time after a job ends, but it does not restart or extend the Medicare Part B special enrollment period. That period runs up to 8 months from the end of current employment or job-based coverage, whichever happens first.
Medicare TRICARE for Life is wraparound coverage for TRICARE-eligible people who have Part A and Part B. Medicare pays first when you are not on active duty, TFL pays second, and skipping or dropping Part B ends TFL.
The Medicare Part B late enrollment penalty is a 10% add-on to your monthly premium for each full 12-month period you delayed Part B, and it usually lasts as long as you have Part B. North Carolina seniors generally avoid it by enrolling during the Initial Enrollment Period or a job-based Special Enrollment Period.
Medicare IRMAA 2026 is a surcharge on Part B and Part D for higher earners. Here are the income brackets, why 2024 income counts, and how to appeal.
