Is it better to stay on employer insurance or Medicare?

It depends on the size of your employer and what you pay for coverage. If your company has 20 or more employees, your group plan stays primary and you can delay Part B without penalty. Compare the actual costs. Add up your employer premiums, deductibles, and out-of-pocket max, then compare them to Medicare. Part B runs $202.90 per month in 2026, with a $283 annual deductible. Some people keep both, using the employer plan as primary and Medicare Part A as secondary, since Part A is usually free. Small employers with fewer than 20 workers often require you to enroll in Medicare at 65. Every situation is different, so run the numbers before you decide. Call us at 855-559-1700 and we'll compare your options together.