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 Medicare’s rules are exacting, and penalties can be stiff and sometimes permanent. Krakenimages.com / Shutterstock.com

Retirement is a time of transition and new beginnings. That’s a nice way of saying it’s when most people first tangle with the federal government on health care. Age 65 is generally when you become eligible for Medicare, the federal health insurance program. But the rules, options and ramifications of when and how you sign up for the program are complex. Following are a few pitfalls you might…

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