The answer
Do I qualify for Medicare if I never worked?
You can still qualify for Medicare even if you never worked, though the cost of Part A may differ.
Medicare eligibility itself is based on age (65) or a qualifying disability or condition, not on your own work record. What your work history affects is whether your Part A (hospital coverage) is premium-free: you earn that by paying Medicare taxes for about 10 years, or roughly 40 work credits. If you did not earn enough credits, you may qualify through a current, former, or deceased spouse's record, or you can buy into Part A by paying a monthly premium. Part B (medical coverage) carries a standard premium for everyone regardless of work history. To see which path fits you, reach out to a licensed Goodsurance advisor at 1-888-301-8091 (TTY 711), Mon to Fri 8 am to 5 pm PT.