https://www.medicare.gov/Pubs/pdf/11036-Enrolling-Medicare-Part-A-Part-B.pdf
"What's a Part A late enrollment penalty?
If you get Part A for free, you won't have to pay a Part A late enrollment penalty if you decide to enroll after you first become eligible. "
除非没有资格享受免费Part A,也就是SS没交够年份的人。