Hi jg330,
If you are planning to continue working past age 65, you may be able to delay enrolling in Medicare. If you have credible health coverage from your employer or are covered under a spouse's employer plan, you may qualify for a Special Enrollment Period, and be able to delay enrolling without penalty. In some situations, though, you may still be required to take full Medicare benefits at age 65 even if you plan to keep working. One such example is when an employer has fewer than 20 employees.
To find out if you can sign up later without incurring penalty (which is a life time penalty by the way), please use the tool here When can I sign up for Medicare?
Regarding your HSA Account, to avoid a penalty you should stop contributing to the HSA account at least six months before you sign up for Medicare.
I hope this answers your question.
Sincerely
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