By virtue of working and paying into the Medicare system for a minimum of 40 quarters (10 years), you are eligible for Medicare if you are 65 years old. You may be eligible if you are under age 65 if you qualify on the basis of disability or some other special situation. You must be a U.S. citizen or a legal resident who has lived in the U.S. for at least five consecutive years.

Medicare is based on you, as an individual. If your spouse is 65, but you are not, you are not eligible for Medicare and must find other health coverage until you are 65 years old.

LAI Tip: You do not have to be retired or collecting Social Security to qualify for Medicare . Your age is the main determining factor.