Can I enroll in Medicare if I've never paid into Social Security due to working overseas?

Question

Curtis Stoner · Accepted Answer

Yes, you can enroll in Medicare even if you've never paid into Social Security due to working overseas. However, your eligibility and costs will depend on your residency status and work history.

Medicare Eligibility Without U.S. Work History
To qualify for Medicare, you must be either a U.S. citizen or a lawful permanent resident who has lived in the U.S. for at least five continuous years before applying. 

While most people receive Medicare Part A (hospital insurance) premium-free by earning 40 work credits (approximately 10 years of work paying into Social Security), you can still enroll in Medicare by paying premiums if you haven't met this requirement

Costs Without Work Credits
Part A (Hospital Insurance): If you have fewer than 30 work credits, you'll pay the full premium for Part A. For 2025, this premium is up to $505 per month. 
Social Security

Part B (Medical Insurance): Part B requires a monthly premium for all enrollees, regardless of work history. In 2025, the standard Part B premium is $185 per month

Darlene Murphy · Answer

Yes, you may enroll, however; your premiums may be different than others enrolled in Medicare. You also must be a US citizen.

Steven Bleicher · Answer

Yes. There is a premium for those who are in your situation or those with only a green card. It is somewhere around $475.00/month. Call 1-800-Medicare and they will set you up.

Fred Manas · Answer

Yes, you can enroll in Medicare even if you haven't paid into Social Security due to working overseas. However, you may have to pay a premium for Part A (hospital insurance) and must enroll in Part B (medical insurance). You can enroll in Medicare during a special enrollment period when you return to the United States as a permanent resident. 

Here's a more detailed explanation:
Premium-free Part A:
If you haven't worked enough quarters (40 quarters) to qualify for premium-free Part A, you'll need to pay a premium to enroll in Part A. 
Part B:
If you are a U.S. citizen or permanent resident who has been living in the U.S. for at least 5 years, you can enroll in Part B. 
Special Enrollment Period:
When you return to the U.S. as a permanent resident, you will have a special enrollment period to enroll in Part A and Part B without late enrollment penalties. 
Enrollment outside the U.S.:
If you are a U.S. citizen living abroad and don't qualify for Social Security benefits, you cannot enroll in Medicare until you return to the U.S. 
Enrollment at the U.S. Embassy or Consulate:
If you are living abroad and wish to enroll in Medicare, you can do so by contacting the U.S. Embassy or Consulate in your country.

Steve Brauer · Answer

Anyone legally in the United States can enroll into Medicare if they are at least 65 years old or if they have been deemed disabled for the last 24 months by a physician. Someone that has worked overseas and not paid into the system may have to pay a premium for Part A (Hospital coverage) of Medicare, that people who have paid into the system get it premium free.

Answered by Steve Brauer on April 8, 2025

Broker Licensed in AZ & CA

Answered by Steve Brauer Medicare Insurance Agent

Marcie Barnes · Answer

To be eligible for Medicare Part A and B you must have worked and paid into Medicare through your tax contributions for a minimum for 40 quarters or 10 years.

If you don’t qualify for premium-free Part A: You might be able to buy it. You’ll pay either $285 or $518 each month for Part A, depending on how long you or your spouse worked and paid Medicare taxes.

Part B costs

$185 each month (or higher depending on your income). The amount can change each year. You’ll pay the premium each month, even if you don’t get any Part B-covered services.

Who pays a higher Part B premium because of income? go to Medicare.gov for the income chart

You might pay a monthly penalty if you don’t sign up for Part B when you’re first eligible for Medicare (usually when you turn 65). You’ll pay the penalty for as long as you have Part B. The penalty goes up the longer you wait to sign up. Find out how the Part B penalty works and how to avoid it.

Linda Davies · Answer

Yes, you can enroll in Medicare even if you have never paid into Social Security due to working overseas.  

Keeping in mind that someone who have never worked or worked for fewer than ten (10) years may have to pay a monthly premium for Part A (hospital  coverage).

Robert Remin · Answer

Even if you don't qualify for Social Security, you can sign up for Medicare at 65 as long you are a U.S. citizen or lawful permanent resident.

Fran Lovelace · Answer

You can if you want to pay full price.  You can find it on Medicare.gov
It is possible that you would come out better on the ACA coverage.

Ron Gambles · Answer

You can enroll. However, you will be required to pay both Part A and Part B Premiums out of your own pocket in addition to premiums for a Medicare Supplement Plan, Rx Plan or whatever Premiums for an Advantage Plan. All of which will be very costly for the average person.

Answered by Ron Gambles on April 9, 2025

Agent Licensed in TN

Answered by Ron Gambles Medicare Insurance Agent

Albert Smith · Answer

Yes, you can. You must be 65+ or disabled for 24 months, and then you must pay a premium for parts A and B.

Kerwyn Jones · Answer

No! You need 40 quarters, equivalent to 10 years working to qualify for Medicare. If not, you can purchase quarters. More discussion needed on that.

Dan Green · Answer

Yes. If you have not met the requirements for a no cost Medicare Part A, there will be a cost to you. It is on your best interest to contact a Social Security office near you to learn about your options.

Answered by Dan Green on April 8, 2025

Broker Licensed in NC

Answered by Dan Green Medicare Insurance Agent

Toni Johnson · Answer

You may enroll in Medicare parts A and B but you will have to pay a monthly premium for part A as well as your part B.  You must be age 65, disabled, or have End Stage Renal Disease to enroll.

Carl-Daniel Cole · Answer

Yes, you can still enroll in Medicare, but you may have to pay a premium for Part A if you didn’t pay into Social Security. You’ll still be eligible for Part B and other parts if you meet age or residency requirements.

Answered by Carl-Daniel Cole on May 19, 2025

Broker Licensed in MO, AL, AR & 23 other states

Answered by Carl-Daniel Cole Medicare Insurance Agent

Joshua Filmore · Answer

Yes—you can still get Medicare even if your paychecks never fed the Social Security pot while you were globetrotting. Here’s the wrinkle: without 40 U.S. work credits (or a spouse who has them) you’ll have to buy Part A instead of getting it premium‑free; in 2025 that’s up to about $505 a month. 

Part B and Part D work the same for everyone—you pay the regular monthly premiums and must enroll during the proper windows to dodge late penalties. You’ll also need to be a U.S. citizen or a permanent resident who’s lived stateside at least five consecutive years. Bottom line: Medicare is still on the menu, it just may cost a bit more. 

Let’s talk through the math and timing so your re‑entry to the U.S. health system is smooth and penalty‑free

Rick Ried · Answer

In order to be eligible for Medicare and receive Part A at no cost,  you must have worked and contributed to the program for 40 quarters or 10 years.

If you have worked for 30 quarters you will have to pay $285 in 2025.

If you have worked less than 30 quarters you will need to pay the full cost of $585 in 2025.

You may also be eligible based on a working spouses work history.

Andrew Firmin · Answer

Yes. However, you may have to pay a premium for your Part A coverage if you do not have the full 40 work credits. You should talk with a certified medicare planning advisor to review your particular situation. There may be enrollment period questions or late enrollment penalty situations that you might need to revew.

Answered by Andrew Firmin on April 28, 2025

Broker Licensed in MA, CT, DE & 13 other states

Answered by Andrew Firmin Medicare Insurance Agent

Can I enroll in Medicare if I've never paid into Social Security due to working overseas?

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Can I enroll in Medicare if I've never paid into Social Security due to working overseas?

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