Is healthcare free after 65 in the USA? A guide to Medicare costs
According to the Centers for Medicare & Medicaid Services (CMS), while about 99% of beneficiaries get Medicare Part A premium-free, healthcare is **not free after 65 in the USA**. The federal health insurance program known as Medicare involves several parts, and most come with associated costs such as monthly premiums, deductibles, and coinsurance that you are responsible for paying. Understanding these expenses is crucial for planning your retirement finances and ensuring you have adequate coverage.