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When you work and pay Social Security taxes, you earn credits toward Social Security benefits. To qualify for Medicare at age 65, you need 40 credits or 10 years of work. You may qualify for Medicare through your own earnings history, your current spouse, former spouse or deceased spouse.
Find instructions on how to apply for benefits and what supporting documents you may need to furnish; and; Apply for retirement benefits. You can find out how to apply for just Medicare if you are close to age 65. You may need to sign up for Medicare close to your 65th birthday, even if you are still working. Some health insurance plans change automatically at age 65. If you are getting Social Security benefits when you turn 65, your Medicare Hospital Benefits will start automatically.