Who gets premium-free Part A, who pays for it, and what it covers. Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.
- Who gets premium-free Part A, and what it costs if you don't qualify
The 40-quarter work rule, spouse and survivor routes, the 2026 Part A premiums for people with fewer quarters, and the late penalty for buying Part A.
- What Medicare Part A covers and what you pay in 2026
Hospital stays, skilled nursing, hospice and home health under Part A, with the 2026 deductible and daily coinsurance amounts.
- Should you take Part A at 65 if you're still working?
Why most people take premium-free Part A at 65 even with employer coverage, the HSA exception, and how Part A coordinates with a job plan.