Medicare at 64

I am in desperate need of health insurance. I am 64 & drawing my retirement benefits for 2 years now a decision my husband and I made due to health issues. Since the start of COVID our lives and his livelihood have been turned upset down. We have both maxed out our 401k plans ( I know we shouldn’t have) but we needed the money . He is working his butt off delivering refrigerated trucks all over the US and that is keeping us afloat but we can not afford private health insurance. I keep seeing advertisements on TV for getting Medicare at age 64 ( I turned 64 in mid December) but can not figure out what the requirements are to qualify. Any help will be greatly appreciated 

Thank You


0 Kudos
Bronze Conversationalist

The only way you can qualify for Medicare prior to age 65 is if you have been on SSDI for 24 months. Then you are automatically enrolled in Medicare A&B.


You can APPLY for Medicare 3 months before your 65th birthday but coverage will not begin until you turn 65.



Bark less. Wag more.
0 Kudos
Honored Social Butterfly


TV is not the place to get any real info; they are known to twist thing just to get you to call - a knowledgeable local health insurance broker that represents lots of different companies on and off the insurance exchange (insurance exchange = Obamacare) could help you the best.  You don't pay them a thing for their advice and options - the insurance company takes care of them.


You can see if your household meets the income threshold for a government subsidy under Obamacare.  Here is the link - just follow it along and see if your household income qualifies for a subsidy and if there is a plan that fits your needs where you live. 


A local health insurance broker should be able to help you with this but at least try to understand your options and how it works from  These are private health insurance wplans under Obamacare which meets the coverage criteria of Obamacare.  These are the ones that will give you a premium subsidy IF YOUR HOUSEHOLD meets the criteria.  Insure just your self or you and hubby - the income criteria is for the Household and bases any subsidy on it..  They call these types of policies - "on the exchange". 


There are other private health insurance offered "off the exchange" (not subsidized) - some of these are short term plans.  So just know what the coverage is that you are considering. 

Don't just look at premiums - make sure it meets your medical needs - like in-network providers, hospitals, etc.  Medication formulary -etc.


IF your hubby needs health insurance too make sure that it has some good out of network coverage especially since he travels so much and insurance is always about risk.


The only people who can get Medicare at 64 are those who have been on SSDI (Social Security Disability Insurance) for (2) years OR if someone has ALS (Lou Gehrig Disease) or ESRD (End Stage Renal Disease) - the last (2) get it as soon as they are diagnosed.


When you say you have maxed out your 401K plans - you don't seem to be talking about contributions - I hope you are not saying that you have taken it out - BIG tax consequence unless it is a ROTH 401K..  That would not be good.


Any way you can cut expenses?  Include everything in your analysis and see what you might be able to change with a plan to give you & hubby some financial relief. 

Good Luck





It's Always Something . . . . Roseanna Roseannadanna
Showing results for 
Show  only  | Search instead for 
Did you mean: 

"I downloaded AARP Perks to assist in staying connected and never missing out on a discount!" -LeeshaD341679

AARP Perks

Test Your Knowledge, Score Big. New Game Each Day!

AARP's new Right Again! Trivia game - part trivia, part puzzle, all fun! Special opportunities for AARP Members and Rewards participants. Play Now.

AARP Right Again! Trivia

AARP Rewards

Sync your smartphone or favorite tracker with AARP Rewards to earn points for hitting steps, swimming and cycling milestones Sync Now.

AARP Rewards Badge

Music and Brain Health

From soft jazz to hard rock - discover music's mental, social and physical benefits. Learn more.

Music and Brain Health