Dear Savvy Senior: My wife and I are approaching 65, but I’m still working and have good health coverage through my employer. Do we need to enroll in Medicare at this point? — Almost 65 Dear Almost 65: If you (or your spouse) are still working past age 65 and have health insurance through your job, you may be able to delay enrolling in Medicare without a late-enrollment penalty. However, the rules depend largely on the size of your employer. First, a quick refresher: Remember that original Medicare has two parts. Part A, which covers hospital care and is premium-free for most people. And Part B, which covers doctor visits, lab tests and outpatient care and has a monthly premium of $202.90 in 2026. Higher-income individuals (over $109,000) and couples (over $218,000) pay more. If you are already receiving Social Security benefits, you will automatically be enrolled in Parts A and B when you turn 65, and your Medicare card will arrive in the mail.…