Medicare Eligibility Calculator
Not everyone qualifies for Medicare the same way. While most people become eligible at age 65, others qualify earlier due to disability, and eligibility for premium-free Part A depends on your work history. This calculator helps you quickly determine where you stand.
To qualify for Medicare at 65, you must be a U.S. citizen or permanent legal resident who has lived in the U.S. for at least 5 consecutive years. For premium-free Part A, you (or your spouse) need to have worked and paid Medicare taxes for at least 40 quarters — roughly 10 years. If you fall short, you can still buy into Medicare, but at a monthly premium.
Under-65 eligibility is available for people who have received Social Security Disability Insurance (SSDI) for 24 months, those with End-Stage Renal Disease (ESRD), or those diagnosed with ALS (Lou Gehrig's disease). Use the calculator below to check your eligibility, then reach out to Scott to discuss your options.
Frequently Asked Questions
At what age can I enroll in Medicare?
Most people first become eligible for Medicare at age 65. However, you may qualify earlier if you have received Social Security Disability Insurance (SSDI) for 24 consecutive months, have been diagnosed with ALS (immediately upon receiving SSDI), or have End-Stage Renal Disease (ESRD) requiring dialysis or a transplant.
What are the work history requirements for premium-free Medicare Part A?
You need 40 "quarters of coverage" (credits) to qualify for premium-free Part A — roughly 10 years of work while paying Medicare taxes. In 2025, you earn one credit for every $1,810 in wages or self-employment income, up to 4 credits per year. Your spouse's work record may also qualify you.
Can non-U.S. citizens get Medicare?
Yes, in some cases. Lawful permanent residents (green card holders) who have lived continuously in the U.S. for at least 5 years and meet the work or age requirements may qualify for Medicare. The eligibility rules are complex — contact Scott for guidance specific to your immigration status.
What if I'm not eligible for premium-free Part A?
If you don't meet the work history requirements, you can still purchase Part A. In 2025, the premium is $285/month with 30–39 quarters of coverage, or $518/month with fewer than 30 quarters. You must also enroll in Part B to buy Part A.
I'm on disability — when does my Medicare start?
If you're under 65 and receiving SSDI, Medicare coverage begins automatically after you have received SSDI benefits for 24 months (the 25th month). The 24-month waiting period does not apply for ALS (coverage begins the same month you receive SSDI) or ESRD (coverage can begin the same month dialysis starts, or sooner if you meet certain conditions).
Have Questions? Talk to Scott.
Scott is a licensed Medicare broker in Eugene, Oregon. No sales pressure — just honest guidance.