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Follow him on Twitter Phil. Moeller or email him at medicarephilgmail. Your Medicare Questions. Medicare rules and private insurance plans can affect people differently depending on where they live. To make sure the answers here are as accurate as possible, Phil is working with the State Health Insurance Assistance Program SHIP. It is funded by the government but is otherwise independent and trains volunteers to provide consumer Medicare counseling in state and local offices around the country. The nonprofit Medicare Rights Center is also providing ongoing help. Jan N. J. At age 6. I was forced off my employers health care plan and had to enroll in Medicare. I also purchase Medicare supplemental insurance. I am 6. 8, continue to work and collect my Social Security. Why are the medical premiums I pay not deductible on my taxes unless my medical expenses exceed 7. When I had health coverage through my employer, my insurance was pre taxed. This does not seem fair. My younger co workers are not taxed on their insurance premiums. GoGames14599243635015.jpg' alt='Watch Gotcha! Online' title='Watch Gotcha! Online' />Phil Moeller Jan, I am very sympathetic. Youve discovered yet another disconnect when moving from employer health insurance to Medicare. This is an unpleasant shock in many ways, and this jolt does not spare your wallet. Watch Gotcha! Online' title='Watch Gotcha! Online' />Royal Crush Season 3 Episode 3. Online' title='Watch Gotcha! Online' />Youve discovered yet another disconnect when moving from employer health insurance to Medicare. Tax deductions for employer provided health insurance premiums are a terrific workplace perk that Medicare beneficiaries dont enjoy. While this doesnt help you, imagine how people feel who buy health insurance on a state exchange through the Affordable Care Act ACA They get no tax deductions on their premiums, either, even though their coverage may be similar if not identical to employer provided health coverage. Of course, lower income folks may qualify for ACA premium tax credits. Over time, if more employers stop providing health insurance and force employees onto exchanges, the pressure will grow to change if not end the deductibility of premiums for employer provided health plans. Lastly, at the risk of piling on, that 7. It will rise to 1. Eileen Wisc. Im turning 6. I plan on working full time through January 2. Can I postpone Medicare until then or do I have to enrollsuspend all or some of the various parts A, B D. Is there anyone locally, at a government agency, I can meet with to discuss these issuesPhil Moeller The short answer is that you should not need to sign up for any type of Medicare unless your employer has 2. The rules for these small employer plans may require Medicare to become the primary payer of insurance claims with the employer plan the secondary payer. Even if you work for a larger employer, you are very smart to want to check out these matters ahead of time. Talk with someone in human resources to find out if there are any changes to your health insurance when you turn 6. Also, find a SHIP contact for your state and talk with one of its counselors. If you decide to begin taking Social Security benefits, you will automatically be enrolled in Parts A and B of Medicare. If Social Security payroll taxes have been deducted from your pay for at least 1. Part A hospital insurance is free. Part B coverage does have a monthly premium but you can, as indicated above, decline this coverage. Send back the Medicare card you should have received in the mail, along with the form you received stating that you do not want Part B. You should then receive a new Medicare card that does not have Part B on it. If you collect Social Security, you will not be able to participate in a high deductible health plan with a health savings account. Also, be aware of a big Social Security Medicare gotcha. If you collect Social Security, you will not be able to participate in a high deductible health plan with a health savings account HSA. Readers are still discovering the nasty reality that filing for Social Security at 6. Medicare Part A, and this will disallow your continued participation in an HSA provided by your employers health plan. I know of no way to decline Part A short of not claiming Social Security benefits at all. This seems like a sure money loser, even if it permitted continued participation in an HSA. Heres what Fay from Idaho had to say, in part I mostly want to raise awareness of the problem. Most agents have not been trained to deal with these issues the Social Security literature and website do not inform applicants about the matter my husbands human resource and benefit manager people gave me incorrect information. Local Social Security agents said it wasnt their responsibility and that my health insurance company should have informed me. When I asked for a written copy of these policies, they couldnt produce them but said they were in the consumer literature for Medicare and Social Security and on the website a claim I feel pretty sure they have not tested. I certainly didnt see this information when I was trying to research how enrollment would affect participation in an HSA before I filed. I am a flaming liberal, at least by the standards of Idaho where I live, but I am gaining great insight into the complaints about government that are a staple of politics in this state. This makes me sad because I believe in government. I want it to be transparent, reasonable, equitable and capable of admitting and correcting its mistakes. Joby Texas In your story, Guess who really pays for your Medicare, you state that Most of the projected costs of the fix during the next 1. Medicare and thus add to federal budget deficits. You are working with the same misguided premise that lawmakers use, which is that Medicare is part of the federal budget. All the time I was working, in addition to the standard income tax that was taken out of my monthly paycheck, I also paid a separate Social Security tax, and a separate Medicare tax.