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Navigating Medicare eligibility can be confusing, but here’s the breakdown: Most individuals become eligible for Medicare at age 65. Additionally, those who have received Social Security disability benefits for a minimum of 24 months also qualify.

It’s important to note that Medicare eligibility differs from Social Security retirement age. The Full Retirement Age (FRA) marks the point at which you’re eligible to receive your full Social Security benefits. For individuals born in 1960 or later, this age incrementally rises from 65 to 67. While you can begin receiving benefits as early as 62, opting for early benefits results in reduced monthly payments. Conversely, delaying benefits until age 70 allows for higher monthly payouts. Regardless of retirement age, anyone who has worked at least 40 quarters (equivalent to 10 years) in the United States qualifies for Florida Medicare at age 65.