In the news, you may often hear about the possibility of lowering the age of Medicare eligiblity to 62, or even 60.
Currently, Medicare eligibility starts at age 65 for most people. However, you can get Medicare before age 65 in certain situations.
Keep reading to learn more about how you can qualify for Medicare at different ages.
The age when you retire does not factor into Medicare eligibility.
If you have insurance through your employer when you apply for Medicare, it will remain your primary insurance and Medicare will be considered secondary insurance.
You’re first eligible to apply for Medicare 3 months before the month you turn age 65, during the month you turn age 65, and up to 3 months after your 65th birthday.
This gives you a total of 7 months to enroll.
You may apply for Medicare at any age if you meet one of the following criteria:
- your receive Social Security disability or Railroad Retirement Board (RRB) disability insurance
- you have specific medical conditions, such as amyotrophic lateral sclerosis (ALS) or end stage renal disease (ESRD)
- a family member is enrolled in Medicare
Social Security disability
If you’re under age 65 and have been receiving Social Security disability benefits for 24 months, you qualify for Medicare.
You can enroll in your 22nd month of receiving these benefits, and your coverage will begin in your 25th month of receiving them.
If you’re entitled to monthly benefits based on an occupational disability and have been granted a disability freeze, you become eligible for Medicare on the 30th month after the date of the freeze.
If you receive a disability pension from the RRB and meet certain criteria, you may be eligible for Medicare before age 65.
Specific health conditions
You may be eligible for Medicare if you have either:
- ALS. If you’ve been diagnosed with ALS, also known as Lou Gehrig’s Disease, you become immediately eligible for Medicare upon collecting Social Security disability insurance (SSDI) benefits.
- ESRD. If you have ESRD, also known as end stage kidney disease, and need regular dialysis or a kidney transplant, you’re eligible for Medicare and your coverage can begin shortly after your first dialysis treatment.
Under certain circumstances, and typically following a 24-month waiting period, you may be eligible for Medicare under age 65 based on your relationship with a Medicare recipient, including:
- disabled widow(er) under age 65
- disabled surviving divorced spouses under age 65
- disabled children
To qualify for Medicare under any circumstances, including reaching age 65 and those outlined above, you’ll need to meet the following eligibility requirements:
- U.S. citizenship. You must be a citizen, or you must have been a legal resident for a minimum of 5 years.
- Address. You must have a stable U.S. address.
- HSA. You can’t contribute to a health savings account (HSA); however, you can still use existing funds in your HSA.
In most cases, you’ll need to receive care within the U.S.
If you’re imprisoned, generally the correctional facility will provide and pay for your care, not Medicare.
Medicare is the U.S. government’s health insurance program for people aged 65 or older. You could be eligible for Medicare before you reach age 65 if you have:
- Social Security disability
- RRB disability pension
- specific health conditions
- family relationship