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If you are turning 65 in this month, here is your 7-month Initial Enrollment Period (IEP).
Coverage starts on the 1st day of your birthday month if you sign up during these 3 months.
The month you turn 65. If born on the 1st of the month, your entire window shifts back one full month.
The final 3 months. Enrolling here avoids penalties, but delays your coverage start date.