Medicare is the federal health insurance program for people 65 and older, regardless of income or health history. Some younger people with disabilities or end-stage renal disease also may have access to. Understanding how Medicare works—what it covers, what it costs, and which parts you need—shapes your healthcare decisions and out-of-pocket expenses for years to come.
These guides explain the different parts of Medicare (Original Medicare versus Medicare Advantage plans), how premiums and deductibles work, when to enroll to avoid penalties, and how to compare coverage options. You'll find information about prescription drug coverage, supplemental insurance, and resources for getting answers to specific questions about your situation.