You can apply during several specific windows to avoid late enrollment penalties.
You typically qualify if you or your spouse worked and paid Medicare taxes for at least 10 years (40 quarters).
Before you "buy," verify if you are already entitled to premium-free coverage. how to buy medicare part a
If you are still working and covered by an employer's group health plan, you can wait to sign up without penalty until 8 months after the employment or coverage ends. 3. How to Apply
If you do not qualify for premium-free coverage, you can buy Part A. In 2026 , the monthly premium is either $311 or $565 , depending on your work history. You can apply during several specific windows to
Buying Medicare Part A involves determining if you qualify for premium-free coverage or if you must purchase it by paying a monthly premium. Most people receive Part A automatically at age 65 without a premium because they or their spouse paid Medicare taxes while working. 1. Determine Your Eligibility and Cost
If you miss your IEP, you can sign up between January 1 and March 31 each year. Coverage typically starts the month after you sign up. If you are still working and covered by
A 7-month window starting 3 months before the month you turn 65, including your birth month, and ending 3 months after.
