 Exactly, so you wanna get it stopped before it actually starts coming out of your Social Security check or before it starts getting billed to you. So if you're not taking Social Security benefits when you turn 65, there are reasons that you might want to defer your Medicare. If you're still working, there are reasons to go ahead and enroll in Part A hospital insurance, and there are questions to answer as to whether you're contributing to an HSA account and how that's affecting your enrollment.