Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A 67-year-old who is eligible for Medicare but has only 32 quarters of covered work history (the 30-39 credit tier) will pay for Part A:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Premium-free Part A requires 40 or more quarters of Medicare-covered work. Those with 30-39 quarters qualify for Part A at a reduced monthly premium, while those with fewer than 30 quarters (the 0-29 tier) pay a higher full premium. The two-tier structure for non-fully-insured individuals is a specific eligibility fact (AH-III.D.1b) tested on the A&H exam.
Why the other options are wrong
- B) Part A is not free for everyone; premium-free status requires 40 or more quarters of covered work.
- C) The 30-39 credit tier pays a reduced premium; the higher full premium applies to the 0-29 credit tier.
- D) There is no one-time enrollment fee arrangement; the reduced monthly premium applies.
Memory hook
40+ credits = free Part A; 30-39 = reduced; 0-29 = full price. Work history is the discount card.