Do individuals have to work for 10 consecutive years to earn enough work credits to be eligible for premium-free Medicare Part A?
No. The 40 work credits required to qualify for premium-free Medicare Part A do not have to be earned consecutively. Individuals can earn a maximum of 4 credits per year (one credit every three months) while working full time, so 40 credits is roughly equivalent to 10 years of full time work.
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