Simon and his wife are in good health in their early 60s, but worry about what their health care may cost them in the next few years. They’re too young for Medicare, which kicks in around 65. But paying for private insurance in the gap years between their planned retirement and their 65th birthdays seems like a big financial burden. Must Read Simon plans to retire at 63, when he’ll get $36,000 a year in Social Security benefits. He will also withdraw $14,000 a year from his 401(k), bringing his total re ...

社会保障福利申领规则 - 67岁为1960年或之后出生人士的完全退休年龄 此时申领可获100%福利金额 [2] - 延迟申领至70岁期间 每月福利金额会持续增长 [2] - 70岁后继续延迟申领不会受罚 但将损失应得福利 [3] 医疗保险注册规定 - 初始注册期为65岁生日前3个月至后3个月 共7个月窗口期 [4] - 未按时注册可能产生终身持续的延迟注册罚金 [4] - 雇主提供健康保险期间可豁免注册要求 [5] - 停止工作后8个月内必须注册医疗保险 [5] 医疗保险组成部分及罚则 - Part A医院保险对多数美国人免费 延迟注册罚金为10%×未注册年数×2 [6] - Part B医疗保险包含月费 延迟注册罚金为每年10% [4][6] - Part D处方药保险无合规药物承保时 每月产生1%罚金 [7]