In the news, you may often hear about the possibility of lowering the age of Medicare eligiblity to 62, or even 60.

目前，医疗保险资格从大多数人开始于65岁。但是，在某些情况下，您可以在65岁之前获得Medicare。

Keep reading to learn more about how you can qualify for Medicare at different ages.

Medicare的资格年龄是65 years oldfor most people. This applieswhether or not you’re still working在您65岁生日时。

退休的年龄并不能纳入医疗保险资格。

如果你有保险通过你的雇主当you apply for Medicare, it will remain your primary insurance and Medicare will be considered secondary insurance.

您首先有资格在65岁的月份，65岁以及65岁生日后最多3个月之前3个月前3个月申请Medicare。

This gives you a total of 7 months to enroll.

如果您符合以下标准之一，则可以在任何年龄申请Medicare：

社会保障障碍

If you’re under age 65 and have been receiving Social Security disability benefits for 24 months, you qualify for Medicare.

您可以注册获得这些福利的22个月，并且您的承保范围将从收到它们的第25个月开始。

If you’re entitled to monthly benefits based on an occupational disability and have been granted a disability freeze, you become eligible for Medicare on the 30th month after the date of the freeze.

RRB残疾

If you receive a disability pension from the RRB and meet certain criteria, you may be eligible for Medicare before age 65.

特定的健康状况

你可能会有资格获得Medicare如果您有：

  • ALS.If you’ve been diagnosed with ALS, also known as Lou Gehrig’s Disease, you become immediately eligible for Medicare upon collecting Social Security disability insurance (SSDI) benefits.
  • ESRD。如果您患有ESRD，也称为终肾病，需要定期的透析或肾脏移植，那么您有资格获得Medicare，并且在第一次透析治疗后不久就可以开始覆盖范围。

家庭关系

Under certain circumstances, and typically following a 24-month waiting period, you may be eligible for Medicare under age 65 based on your relationship with a Medicare recipient, including:

  • 残疾寡妇（ER）65岁以下
  • 残疾人幸存的离婚配偶65岁以下
  • 残疾儿童

To qualify for Medicare under any circumstances, including reaching age 65 and those outlined above, you’ll need to meet the following eligibility requirements:

  • 美国公民身份。您必须是公民，否则您必须至少5年的合法居民。
  • 地址。您必须有一个稳定的美国地址。
  • HSA。You can’t contribute to ahealth savings account (HSA);但是，您仍然可以在HSA中使用现有资金。

在大多数情况下，您需要在美国境内获得护理

If you’re imprisoned, generally the correctional facility will provide and pay for your care, not Medicare.

Medicare是美国政府的健康保险计划，适用于65岁或65岁以上的人。如果有的话，您可能有资格在65岁之前获得Medicare：

  • 社会保障障碍
  • RRB残疾退休金
  • 特定的健康状况
  • 家庭关系