Medicare Part A
Hospital insurance — premium-free for most after 10 years of Medicare-taxed work.
Full explanation
Medicare Part A covers inpatient hospital care, skilled nursing facility care after a qualifying hospital stay, hospice, and limited home health care. It is premium-free for U.S. citizens with at least 40 quarters (10 years) of Medicare-taxed employment (yours or a spouse's). Without enough work credits, the 2026 monthly Part A premium is up to $518. Part A includes a per-benefit-period deductible ($1,676 in 2026) and daily coinsurance for long hospital stays. Medigap Plan G covers all Part A cost-sharing.
📎 Primary source: official source
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