Ask Larry

My husband does not have enough work credits to qualify for Medicare Part A and turns 65 in April. I do, but do not turn 65 until 2030. Does he qualify for free Part A through my work credits?

Hi. Not right away, at least unless you're drawing Social Security disability (SSDI) benefits. In order for your spouse to qualify for premium free Part A of Medicare based on your Social Security contributions, you must be at least age 62 or be drawing SSDI benefits.

However, assuming that your husband is a U.S. citizen or a was legally admitted for U.S. residency for at least the last 5 years he could apply for premium Part A and/or Part B of Medicare. Whether or not he should do so likely depends on whether or not he has health insurance coverage through your employment (https://www.medicare.gov/sites/default/files/2021-10/02179-Medicare-and-other-health-benefits-your-guide-to-who-pays-first.pdf). The instructions for applying for Medicare can be found on the following Social Security website: https://www.ssa.gov/medicare/sign-up.

Best, Jerry