A. As long as your spouse is actively employed and insured, you can remain on her policy until she leaves the job or retires.
After that, you can sign up for Medicare Part B (covers doctor visits and outpatient services) and Part D (covers prescription drugs) without paying any late sign up penalties.
In the meantime, when you turn 65, you can still enroll in Medicare Part A (covers hospital bills), there is no cost for that and it gets you into the system.
The caveat, if your spouse works for a business with fewer than 20 employees, you may have to enroll in both Parts A and B.