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In this situation, you can delay Part B enrollment without penalty until the employment stops or the insurance ends. So if you’re not yet drawing Social Security (or railroad) retirement benefits, just skip signing up for Part B.
For most people, Part A, which covers inpatient hospital bills, has no monthly premium and so there is no reason not to sign up for it.
The only time that a penalty happens:
If you sign up late for Medicare Part B, you will have to pay a late penalty premium every month for the rest of your life, along with your Part B premium. Your monthly Part B premium will go up 10% for each full 12-month period that you could have had Medicare Part B but did not take it.
I have more information - will send in a few minutes
If you aren't eligible for premium-free Part A, and you don't buy it when you're first eligible, your monthly premium may go up 10%. You'll have to pay the higher premium for twice the number of years you could have had Part A, but didn't sign up.
If you were eligible for Part A for 2 years but didn't sign up, you'll have to pay the higher premium for 4 years.
If you wait, the penalty will be no more than 10%.
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This was for another client - sorry - system issues.