Who qualifies
Age 65+ (or earlier for certain disabilities, ALS, or ESRD). Most people get Part A premium-free. The standard Part B premium is $202.90/month in 2026, with a $283 annual deductible; higher-income beneficiaries may pay more through IRMAA.
What you get
Part A covers inpatient hospital care, Part B covers doctor and outpatient services, and Part D covers prescription drugs. Medicare Advantage (Part C) is an alternative way to receive Part A and Part B, usually with a provider network. Compare coverage, provider networks, drug formularies, and total costs before choosing.
Federal figures verified July 16, 2026. Sources: CMS 2026 Medicare Parts A and B fact sheet.
Tips that matter
Your 7-month Initial Enrollment Period starts 3 months before your 65th birthday month. Missing it may trigger lasting late-enrollment penalties unless you qualify for a Special Enrollment Period, such as through current-employment group coverage. Keep written proof of qualifying coverage.
How to apply
If you already get Social Security at 65, enrollment in Parts A & B is automatic. Otherwise enroll at medicare.gov or ssa.gov/medicare. Pick a Part D plan and decide on Medigap during open enrollment (the 6-month window starting your Part B effective date offers guaranteed-issue Medigap).
State-level help on top of this
Most states layer their own programs on top of this federal one — pharmacy assistance, property tax relief, state Medicaid waivers. Pick your state to see what's available where you live.