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A quarter is a 3-month period, and 1 year has 4 quarters in it. When a person has worked and paid taxes for 40 quarters during their life, they may be entitled to premium-free Medicare Part A.
Quarters of coverage. Monthly premium 2025. Cost increase from 2024. at least 40 quarters. $0. $0. at least 30 quarters or married to somebody with at least 30 quarters
The 40 quarters requirement only applies to premium-free Part A. The time it takes to earn 40 qualifying quarters of work depends on your employment history.
To get premium-free Medicare Part A, a qualified person or their spouse needs 40 work credits. Learn more about Medicare work credits here.
Most Medicare enrollees do not pay a monthly Part A premium, because they (or a spouse) have had 40 or more 3-month quarters in which they paid Federal Insurance Contributions Act taxes. The benefit is the same no matter how much or how little the beneficiary paid as long as the minimum number of quarters is reached.
In 2025, the monthly Part A premium is $285 if someone paid Medicare taxes for 30 to 39 quarters. This increases to $518 monthly if they paid less than 30 quarters. This increases to $518 monthly ...
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