Medicare Health Insurance: 2026 Guide to Eligibility & Application

Medicare is the federal health insurance program for: - People who are 65 or older - Certain younger people with disabilities (receiving SSDI for 24 months) - People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant) The Parts of Medicare - **Part A (Hospital Insurance):** Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Most people pay $0 premium if they or their spouse paid Medicare taxes for 10+ years (40 work quarters). - **Part B (Medical Insurance):** Covers certain doctors' services, outpatient care, medical supplies, and preventive services. Standard monthly premium applies ($174.70 in 2024, adjusted annually). - **Part D (Drug Coverage):** Helps cover the cost of prescription drugs run by private insurance plans approved by Medicare. - **Medicare Advantage (Part C):** An all-in-one alternative to Original Medicare offered by private companies that bundle Part A, Part B, and usually Part D. Administered under statutory authority by Centers for Medicare & Medicaid Services (CMS), Medicare Health Insurance is designed to safeguard eligible families, low-income workers, and qualifying citizens from economic hardship while promoting wellbeing and development.