If you do not have at least 40 calendar quarters of work during which you paid Social Security taxes in the U.S., but your spouse does, you may be eligible for premium-free Medicare Part A based on your spouse’s work history when you turn 65.
Note, however, that if you develop a disability before you turn 65, and do not have enough work history, you cannot qualify for Social Security Disability (SSDI) based on your spouse’s work history.
When you turn 65, you may be eligible for premium-free Part A based on your spouse’s work history if:
- You are currently married and your spouse is eligible for Social Security benefits (either retirement or disability). You must have been married for at least one year before applying.
- You are divorced and your former spouse is eligible for Social Security benefits (either retirement or disability). You must have been married for at least 10 years, and you must now be single.
- You are widowed and married for at least nine months before your spouse died. You must be single.
Be aware that there are some exceptions to the eligibility rules listed above. To confirm your eligibility for premium-free Part A, call the Social Security Administration at 800-772-1213. If you are a railroad worker, contact your local Railroad Retirement Board field office.