How soon before my 65th birthday do I apply for Medicare?

You should apply three months before the month you turn 65. Your Initial Enrollment Period runs for seven months total: the three months before your birthday month, your birthday month, and the three months after. Signing up early helps you avoid a gap in coverage, since applying before your birthday month means your Part A and Part B can start the month you turn 65. Wait until after, and your start date gets pushed back. Miss this window entirely and you could face a late penalty on your Part B premium, which is $202.90 a month in 2026. Not sure which start date fits your situation? Call me at 855-559-1700 or visit medicareyourself.com, and I'll walk you through the timing.