Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A person who has worked and paid Medicare payroll taxes for 30 to 39 quarters (credits) and is age 65 will pay...
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Medicare Part A is premium-free for people who earned 40 or more work credits through payroll taxes. Those with 30 to 39 credits must pay a monthly Part A premium, but at a reduced rate; those with fewer than 30 credits pay a higher monthly premium. A 65-year-old with 30 to 39 credits therefore pays a monthly premium that is lower than the premium charged to someone with 0 to 29 credits. The two-tier credit structure is one of the specific eligibility facts tested in the Medicare eligibility portion of the senior health products outline.
Why the other options are wrong
- B) Premium-free Part A requires 40 or more credits, not 30 to 39.
- C) Part A is not free for all workers; the credit count determines who pays a premium.
- D) No late penalty applies here — the person is paying because of insufficient credits, not delay.
Memory hook
Forty-plus credits = free Part A; 30–39 = pay less; under 30 = pay more.