Premium-free Part A on your spouse's work record

How a current, divorced or widowed spouse can qualify for premium-free Part A using their partner's 40 quarters, and what it saves.

Medicare Part A is premium-free if you or your spouse paid Medicare taxes for at least 40 quarters (about 10 years). If you didn't work enough, your spouse's record can qualify you.

Without enough quarters, Part A costs up to $565 a month in 2026.

Who qualifies on a spouse's record

Current spouse: married at least one year, spouse has 40 quarters and is at least 62.
Divorced spouse: married at least 10 years and currently unmarried.
Widow or widower: married at least nine months before death and not remarried (with exceptions for remarriage after 60).

Age differences

If you turn 65 before your spouse turns 62, you may need to pay the Part A premium (or delay Part A) until your spouse turns 62, then switch to premium-free.

Part B is individual

Part B premiums ($203 in 2026) are always per person, and higher earners pay IRMAA based on joint income; see the 2026 IRMAA brackets.

Questions people ask

Can I get Part A on my spouse's record?

Yes, if your spouse has 40 quarters and other conditions are met.

Does a divorced spouse qualify?

Yes, after 10 years of marriage, if currently unmarried.

Is Part B shared between spouses?

No. Each person has their own Part B and premium.

What if my spouse is younger than 62?

You may pay for Part A until your spouse reaches 62.

Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.