没够点数的人可以自费买，不能享受政府的Medicare benefit（政府不补贴）。

I think you talk about "Medicare Eligibility" here and the post from another person earlier was talking about some misunderstanding people have about "Medicare Benefit"

"Medicare Eligibility" is for every US citizen above 65 or with some disabilities and also for every legal resident after 5 years of residency.  

"Medicare Benefit" from the government is for people who pay payroll tax and accumulate enough points so that the government pays for most of the premium cost.  

The difference is in the premium and benefits.  Usually people don't get enough points will need to pay about $700s-900s/month to buy both Part A and Part B once they become eligible and have higher deductibles too.  Most Chinese seniors here don't buy Medicare out of pocket because they can't afford it.

所有跟帖： 

• 对啊，我说的就是资格，你看看那篇怎么说：误解二: 只要有报稅，即可拥有「联邦医疗保险」资格? -白云青山- ♂ (934 bytes) () 10/14/2016 postreply 08:25:52

• :) -cxz2509- ♀ (0 bytes) () 10/14/2016 postreply 08:26:44

• 的确很多中国老人不会付钱买，不论有钱没钱。比如在北上广有两栋房子，上万人民币退休金（夫妇两人），没听到谁付钱买的。 -白云青山- ♂ (0 bytes) () 10/14/2016 postreply 08:28:17

• 2015年后不买保险要罚款，2016年的罚款要比2015高很多。 -Gbdjw- ♀ (0 bytes) () 10/14/2016 postreply 09:00:30

• 人家不是不要保险，只是不必花钱买而已。 -白云青山- ♂ (0 bytes) () 10/14/2016 postreply 09:10:40

• Medical, 专给低收入群体，不是联邦政府，是各个州政府的 -Gbdjw- ♀ (0 bytes) () 10/14/2016 postreply 09:19:34