If an individual does not have 40 work credits by their 65th birthday, can they continue to earn credits by working?

Yes, individuals can continue to earn work credits past age 65 if they do not have enough (40 credits) to qualify for premium-free Medicare Part A. They may choose to enroll in Medicare Part A at age 65 but pay a premium for Part A coverage until they have earned 40 credits. Medicare Part A premium amounts vary depending on how many credits the individual has earned.