Medicare, Explained in Plain English

When to enroll, how to avoid late penalties, what changes each Annual Enrollment Period (AEP), and the timing questions that come up when you work past 65. Education only — no plan recommendations.

• Free printable

  Medicare AEP Checklist

  Seven things to review during Annual Enrollment, October 15 – December 7, with a free one-page printable.

  October 12, 2026
• Free printable

  Turning 65 but still working? The Medicare decisions that can cost you thousands

  Employer size, the HSA 6-month lookback, the 8-month clock, and IRMAA — the timing that keeps you out of trouble.

  September 17, 2026