When I turn 65, am I required to enroll in Medicare?

The consequences of not enrolling in Medicare as soon as you are eligible to depend on your employment status can be permanent. If you are working or covered under an employer or union health plan, you do not need to enroll in Medicare. However, if you do not have prescription drug coverage under your employer’s plan, it would be in your best interest to enroll in Medicare and join Part D. Otherwise, you will be subject to a late fee if you decide to join later. 

If you are not working at age 65 and not covered, you are not necessarily required to enroll in Medicare. However, if you enroll later, you will suffer late penalty fees.

Lastly, if you are already receiving Social Security by the time you turn 65, you will automatically be enrolled in Medicare.