If you haven’t worked long enough to get Medicare Part A benefits without paying premiums, you may qualify on the work record of your current or former spouse. But the rules vary according to different circumstances.
Your current/former spouse has enough credits
If your current or former spouse has earned 40 work credits, you can qualify for premium-free Part A on his or her work record under these circumstances:
- Current spouse: You’ve been married to your current spouse for at least one year, you’re age 65 or older, and your spouse is at least 62.
- Divorced spouse: You were married to your divorced spouse for at least 10 years before the divorce became final, you didn’t remarry before age 60, you’re age 65 or older, and your ex is at least 62. (Whether your ex has remarried doesn’t matter.)
Late spouse: You had been married to your deceased spouse for at least one year immediately before he or she died, you’re 65 or older, and you didn’t remarry before age 60.
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