Glossary · Medicare
What is premium-free Part A?
Most people get Part A without a premium because they or a spouse paid Medicare taxes long enough while working, generally at least 10 years. People who do not qualify can buy Part A.
Definition and figures from Medicare.gov, CMS fact sheet, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Expand my textPremium-free Part A: the facts
| Item | Fact | Source |
|---|---|---|
| Who qualifies | Most people; generally at least 10 years of Medicare taxes paid by you or a spouse | Medicare.gov: Medicare costs (2026) |
| Buy-in premium (2026) | $311 or $565 a month, depending on work history | CMS fact sheet: 2026 Medicare Parts A & B premiums and deductibles (Nov 14, 2025) |
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What does premium-free part a mean in health insurance?
Most people get Part A without a premium because they or a spouse paid Medicare taxes long enough while working, generally at least 10 years. People who do not qualify can buy Part A.