From The New York Times — 

Tony Farrell turned 65 four years ago — the age when most people shift their health coverage to Medicare. But he was still employed and covered by his company’s group insurance.

When his birthday came around, he began researching whether he needed to move to Medicare, and determined he could stick with his employer’s plan, said Mr. Farrell, a marketing and merchandising executive for specialty retailers. At the time, he was working for a company that makes infomercials in San Francisco. …