Medicare is a Health Insurance Program for:

  • People age 65 or older.
  • People under age 65 with certain disabilities.
  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

  • You already get (or are eligible to receive) retirement benefits from Social Security or the Railroad Retirement Board.
  • You or your spouse had a Medicare-covered form of employment for at least ten years.

If you are under 65, you can get Part A without having to pay premiums if you have:

  • Received Social Security or Railroad Retirement Board disability benefits for 24 months.
  • End-Stage Renal Disease and meet certain requirements.

Learn about the four parts of Medicare .


To find out if your parent qualifies for Medicare, use the Medicare Eligibility tool .