Arkansas Life and Health Insurance Practice Exam 2025 – The Comprehensive All-in-One Guide for Exam Success!

Medicare Part A is designed to provide hospital insurance primarily for individuals aged 65 or older, as well as younger individuals with certain disabilities or specific health conditions. Individuals who are aged 65 or older are typically eligible for Medicare Part A without needing to pay a premium, provided they or their spouse have worked and paid Medicare taxes for a sufficient duration.

The statement about "Healthy individuals who are under age 65 and not covered by Social Security, but are willing to pay the Part A premium" indicates a scenario where individuals who do not meet the primary eligibility criteria might think they could qualify if they pay the premium. While it is true that those under 65 can buy into Medicare Part A by paying a premium, this does not make them a qualifying group for free Part A benefits.

Therefore, individuals who are 65 or older do qualify for Medicare Part A. The distinction here clarifies that while adults can pay for Part A under certain circumstances, the question specifically asked about those who do not qualify, and individuals under these conditions would not be considered eligible without meeting the specific criteria, which leads to the conclusion that option A is not the correct identification of a non-qualifying demographic.