• Written by
    Lindsey Crossmier

    Lindsey Crossmier

    Financial Writer

    Lindsey Crossmier is an accomplished writer with experience working for The Florida Review and Bookstar PR. As a financial writer, she covers Medicare, life insurance and dental insurance topics for RetireGuide. Research-based data drives her work.

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  • Edited By
    Lamia Chowdhury
    Lamia Chowdhury, editor for RetireGuide.com

    Lamia Chowdhury

    Financial Editor

    Lamia Chowdhury is a financial content editor for RetireGuide and has over three years of marketing experience in the finance industry. She has written copy for both digital and print pieces ranging from blogs, radio scripts and search ads to billboards, brochures, mailers and more.

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  • Reviewed By
    Michael Jones
    Michael Jones Headshot

    Michael Jones

    Medicare Expert and Owner of Grand Anchor Insurance Solutions

    Michael Jones is a licensed insurance agent who manages his own agency called Grand Anchor Insurance Solutions. In addition to being a Medicare expert, Michael specializes in other insurance products such as voluntary benefits for employees of businesses.

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  • Published: February 22, 2023
  • Updated: October 23, 2023
  • 7 min read time
  • This page features 7 Cited Research Articles
Fact Checked
Fact Checked

A licensed insurance professional reviewed this page for accuracy and compliance with the CMS Medicare Communications and Marketing Guidelines (MCMGs) and Medicare Advantage (MA/MAPD) and/or Medicare Prescription Drug Plans (PDP) carriers’ guidelines.

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How to Cite RetireGuide.com's Article

APA Crossmier, L. (2023, October 23). Medicare Eligibility Requirements. RetireGuide.com. Retrieved February 29, 2024, from https://www.retireguide.com/medicare/eligibility-and-enrollment/eligibility/

MLA Crossmier, Lindsey. "Medicare Eligibility Requirements." RetireGuide.com, 23 Oct 2023, https://www.retireguide.com/medicare/eligibility-and-enrollment/eligibility/.

Chicago Crossmier, Lindsey. "Medicare Eligibility Requirements." RetireGuide.com. Last modified October 23, 2023. https://www.retireguide.com/medicare/eligibility-and-enrollment/eligibility/.

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Key Takeaways
  • You are eligible for Medicare if you’re a U.S. citizen over 65 years old who has worked for 10 years.
  • There are some exceptions, like certain disabilities, that can make you eligible for Medicare if you’re younger than 65.
  • Those younger than 65 can be eligible for Medicare with less work credits if they meet certain requirements.
  • If you’re not eligible for the premium-free Part A, there are other options to retain some Medicare coverage.

Who Is Eligible for Medicare?

If you’re a U.S. citizen or a permanent legal resident who has lived in the U.S. for at least five years — you’ve met the chief requirement to be eligible for Medicare. However, this isn’t the only requirement.

In addition, you must meet one of the following other requirements:
  • You or your spouse must have worked long enough to also be eligible for Social Security benefits or Railroad Retirement benefits. This usually means you have worked for at least 10 years. You must be eligible for these Social Security benefits even if you are not yet receiving them.
  • You or your spouse is either a government employee or retiree who did not pay into Social Security but did pay Medicare payroll taxes while working.

If you pay Medicare payroll taxes for 10 full years, which equals to 40 work credits, you won’t have to pay premiums for Medicare Part A, which covers hospital care.

Unlike Part A, you don’t need the work credits to qualify for Medicare Part B, which covers doctor visits or outpatient services, and Medicare Part D, which covers prescription drugs. Everyone pays premiums for both regardless of work history.

If you are still working at 65, you don’t have to sign up for Medicare — but there are benefits to signing up while still employed. Similarly, if you have never worked, you can still get Medicare. However, it may be more expensive depending on your spouse’s work history.

Your age also plays a role in your eligibility for Medicare. While most people apply for Medicare when they turn 65, there are other exceptions.

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When Are You Eligible for Medicare?

If you meet the Medicare eligibility and enrollment requirements listed above and are 65 years old — you are eligible for Medicare. Typically, people sign up for Medicare one to three months before or after their 65th birthday.

Standard Medicare Eligibility Rules
One to three months before or after your 65th birthday
You or your spouse need 40 credits as part of the qualification process. This is during your initial enrollment period.
66+
You are still eligible for Medicare, but you may face penalties for signing up late. Keep in mind that you will still need 40 credits and other qualifications.

If a disability qualifies you for Medicare before you turn 65, you still need a certain amount of work credits depending on your disability. The younger you are, the less credits you need in order to qualify.

For example, if you’re 34 years old and you have Lou Gehrig’s disease, then you only need 20 work credits instead of the usual 40 to qualify for Medicare.

Disability Eligibility Rules
Before age 24
You may be eligible if you have earned six credits during the three-year period ending when your disability started.
Ages 24 to 31
You'll likely qualify if you have credits for working half the time between the age of 21 and when your disability began. For example, if you develop a disability at age 27, you will need three years of work (12 credits) out of the past six years (between ages 21 and 27).
Ages 31 to 64
Typically, you must have at least 20 credits in the 10-year period immediately before your disability began.

If you’re signing up your parent for Medicare, you should confirm how many work credits they have to determine whether they’re eligible for benefits.

Medicare Eligibility If You Are Under 65

If you’re under 65 years old, you can still be eligible for Medicare if you have certain costly medical conditions or disabilities. Your eligibility status also depends on the amount of work credits you have, which is broken down in the chart above.

If you are under 65, you can qualify for full Medicare benefits if:
  • You have been receiving Social Security disability benefits for at least 24 months. These do not need to be consecutive months.
  • You have end-stage renal disease requiring dialysis or a kidney transplant. You only qualify if you or your spouse has paid Social Security taxes for a specified period, based on your age.
  • You have amyotrophic lateral sclerosis, also known as Lou Gehrig’s disease. You qualify for Medicare immediately upon diagnosis.
  • You receive a disability pension from the Railroad Retirement Board and meet certain other criteria.

Who Is Not Eligible for Medicare?

If you’re under 65 years old and you don’t have any disabilities — you won’t be eligible for Medicare.

In other scenarios, you can still sign up for Medicare, but you won’t be eligible for free Part A premiums if you don’t meet certain criteria.

For example, if you or your spouse haven’t worked long enough in employment covered by Social Security or Medicare — you could be lacking enough work credits to be eligible for premium-free Part A coverage.

In 2024 the Part A premium is $505. If you or your partner spent some time in the workforce, your premium could be reduced to $278.

Other Ways To Get Medicare Coverage

If you don’t qualify for free Part A Medicare coverage, there are still other ways to get coverage by breaking up parts of Medicare and paying for premiums separately.

For example, if you don’t want to pay for Part A premiums, you are allowed to sign up for Part B coverage without being signed up for Part A.

If you have Part B coverage, you can then enroll in Part D prescription drug coverage. You can have Medicare Part B and D coverage without Part A.

This way, you don’t have to pay for the costly $505 Part A premium, while still having outpatient and prescription drug coverage.

In 2024, the Part B premium is $174.70 and the average Part D premium is $55.50.

While you can enroll in Part B without paying for Part A, you can’t buy Part A without enrolling in Part B. This would also mean you can’t enroll in a Medicare Advantage or Medigap plan, since you need to be enrolled in both Part A and B to qualify.

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Medicare Eligibility FAQs

Does income affect eligibility for Medicare?
Income does not affect your eligibility for Medicare but may impact your costs and coverage. Your Part B premium, which is typically $174.70 in 2024, can increase depending on your level of income.
Is Medicare enrollment automatic at age 65?
Medicare enrollment is automatic only if you are already receiving Social Security benefits. If you have not received Social Security benefits, you must enroll for Medicare online, by phone or in person at your local Social Security office.
Do you have to sign up for Medicare when you turn 65?
You aren’t required to sign up for Medicare when you turn 65 — it’s optional. But if you wait until after you turn 65 to sign up, you could face penalties later.
Do insurance providers have different eligibility requirements than Medicare.gov?
Yes. For example, the Health Insurance Marketplace’s eligibility requirements are that the enrollee must live in the U.S., be a U.S. citizen or national and can’t be incarcerated.
Last Modified: October 23, 2023

7 Cited Research Articles

  1. Centers for U.S. Medicare & Medicaid Services. (2023, October 12). 2024 Medicare Parts A & B Premiums and Deductibles. Retrieved from https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles
  2. U.S. Centers for Medicare & Medicaid Services. (2023, July 31). Center for Medicare. Retrieved from https://www.cms.gov/files/document/july-31-2023-parts-c-d-announcement-pdf.pdf
  3. U.S. Department of Health & Human Services. (2022, December 8). Who’s Eligible for Medicare? Retrieved from https://www.hhs.gov/answers/medicare-and-medicaid/who-is-eligible-for-medicare/index.html
  4. Bunis, D. (2022, December 5). Medicare Eligibility: Do You Qualify? Retrieved from https://www.aarp.org/health/medicare-insurance/info-04-2011/medicare-eligibility.html
  5. U.S. Centers for Medicare & Medicaid Services. (2022, September 27). 2023 Medicare Parts A & B Premiums and Deductibles 2023 Medicare Part D Income-Related Monthly Adjustment Amounts. Retrieved from https://www.cms.gov/newsroom/fact-sheets/2023-medicare-parts-b-premiums-and-deductibles-2023-medicare-part-d-income-related-monthly
  6. U.S. Centers for Medicare & Medicaid Services. (2022). A Quick Guide to the Health Insurance Marketplace. Retrieved from https://www.healthcare.gov/quick-guide/eligibility/
  7. U.S. Centers for Medicare & Medicaid Services. (2021, December 1). Top 5 Things You Need To Know About Medicare Enrollment. Retrieved from https://www.cms.gov/Outreach-and-Education/Find-Your-Provider-Type/Employers-and-Unions/Top-5-things-you-need-to-know-about-Medicare-Enrollment