Medicare
Medicare Eligibility: When and How You Qualify
Most people become eligible for Medicare at 65, but there are exceptions worth knowing about.
Age 65+
U.S. citizens and permanent residents who have lived in the United States for at least 5 continuous years are generally eligible for Medicare upon turning 65.
Under 65
People under 65 who have received Social Security Disability Insurance (SSDI) for 24 months, or who have ALS (Lou Gehrig's disease) or End-Stage Renal Disease (ESRD), may qualify earlier.
Part A and Part B Eligibility
Hospital Insurance
Most people qualify for premium-free Part A if they (or a spouse) worked and paid Medicare taxes for at least 10 years (40 quarters). If you don't meet this requirement, you may still be able to purchase Part A by paying a monthly premium.
Medical Insurance
Anyone who is enrolled in premium-free Part A can generally enroll in Part B. Unlike Part A, Part B always carries a monthly premium, which is based on your income level.
Still Working at 65?
If you have employer coverage through a large employer (20 or more employees), you may be able to delay Part B without penalty and keep your employer plan as primary coverage.
However, if your employer has fewer than 20 employees, Medicare typically becomes your primary coverage at 65. Understanding how your specific workplace coverage interacts with Medicare is crucial before you reach your 65th birthday.
Important Note
Eligibility rules are complex and your situation is unique. Talking with a licensed professional before you turn 65 is the best way to ensure you make the right decisions and avoid costly, long-term mistakes.