Medicare Part A Premium-Free Eligibility Calculator
Check eligibility based on work history quarters.
Premium-Free Eligibility
Quarters Required:40
Your Quarters:40
Eligible:Yes
Need 40 quarters (10 years) of Social Security-covered employment for premium-free Part A.
Self Eligibility
Self Eligible:Yes
Quarters Needed:0
Years Needed:0.0
Based on your own work record. Earn 4 quarters per year if working in covered employment.
Spouse Eligibility
Spouse Eligible:Yes
Can Use Spouse Quarters:Yes
Can qualify through spouse if married 10+ years or widowed. Dependent spouse can use spouse's quarters.
Part A Premium / Buy-In
Monthly Premium:$ 0
Annual Premium:$ 0
Can Buy-In:No (premium-free)
30-39 quarters: $278/month. <30 quarters: $505/month. Premium-free if ≥40 quarters.
Premium Structure
40+ quarters:$0 (Premium-free)
30-39 quarters:$ 278/mo
<30 quarters:$ 505/mo
2024 Part A premiums. Higher premium if fewer quarters. Can enroll even without work history.
Part A Eligibility Key Points
- Premium-free if 40 quarters (10 years) of covered work
- Can use spouse's quarters if married 10+ years
- Widowed: qualify on deceased spouse's record
- 30-39 quarters: $278/month premium (2024)
- Less than 30 quarters: $505/month premium
- ESRD/ALS: automatic eligibility
- Can buy Part A even without work history
- Quarters earned 4 per year if working
- Must also enroll in Part B
- Check SSA statement for exact quarters