Medicare Part A is Hospital Insurance

Medicare Part A helps cover inpatient hospital care, some skilled nursing facility care, hospice care, and some home health care.

Most people qualify for Premium-free Part A. However, Part A services may be subject to out-of-pocket costs copays, coinsurance, or deductibles.

Luckily some people will qualify for Part A cost assistance based on income via state-based Medicare Savings Programs.

For those that have to pay, however, it is worth noting that Part A is subject to a late enrollment penalty. This means if you don’t enroll when you are first eligible your premium may go up by 10% for twice the number of years you didn’t sign up!


What Part A Covers. Medicare.Gov.

Part A late enrollment penalty. Medicare.Gov.

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Thomas DeMichele

Thomas DeMichele has worked in the online health insurance information space for over a decade. His works include, which has been used by nearly 40 million Americans since 2012 to learn about healthcare and health insurance.

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