Medicare Buy-In
For individuals who do not qualify for Medicare Part A, the federal government allows them to buy-in to the program by paying a monthly premium. This typically applies to those who have not earned enough work credits through U.S. social security taxes.
Eligibility (2026)
- Work Credit System: Credits are earned based on annual income. One credit is earned per $1,890 of quarterly income(quarter of coverage), up to four credits per year.
- The 40-Credit Rule: Individuals generally need 40 credits (approximately 10 years of work) to receive Part A without a premium.
- Spousal Eligibility: Individuals aged 62 or older may qualify for premium-free Part A based on a spouse’s work record. Divorced or widowed individuals may also qualify under specific Social Security guidelines (visit NCOA.org).
Buy-In Costs (2026)
If an individual does not meet the 40-credit requirement, they may purchase Part A at the following monthly rates:
- 30–39 Credits: $311 per month.
- Fewer than 30 Credits: $565 per month.
- Mandatory Part B: Typically, individuals who buy into Part A must also enroll in Medicare Part B and pay the standard monthly premium of $202.90.
How to Buy In
- Verify Work History: Individuals should contact the Social Security Administration (SSA) to confirm their total lifetime earned credits.
- Check Spousal Benefits: Individuals should determine if they can qualify through a current, former, or deceased spouse’s work record to eliminate the Part A premium.
- Apply via Social Security: Enrollment is processed by the SSA. Applications can be submitted online at SSA.gov, by phone, or at a local Social Security office.
* If you don’t qualify for premium-free Medicare Part A, make sure to review your options as soon as you turn 65. Missing your initial sign-up window could mean paying a permanent late-enrollment penalty. To learn how to protect your coverage and avoid extra costs, visit Medicare.gov/avoid-late-penalties.
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